Medicare through Social Security Disability in New Jersey - You Don't Just Age into the System
Medicare is government health insurance, and the majority of recipients are of the program age in by turning 65, but those are not the only people that qualify. In New Jersey and nationwide, persons under 65 can enroll in Medicare under specific circumstances, and it's important to know the specifics. It could be that you or someone you love can enroll in the program, allowing them to better manage their healthcare, and they do not have to wait until their golden years to do it. More to the point, if they qualify, then they shouldn't have to wait that long.
Outside of the 65+ Crowd, Who Qualifies for Medicare and Under What Circumstances?
In the state of New Jersey, US citizens can enroll (or may be automatically enrolled) in Original Medicare (Parts A and B) if they meet any of the following criteria in the list below:
- You are under the age of 65 but are eligible to receive Social Security disability benefits and have been for at least 24 months (2 years). After 24 months, you are automatically enrolled.
- You have been diagnosed with Lou Gehrig's disease (amyotrophic lateral sclerosis). This immediately qualifies you without needing a waiting period. You're automatically enrolled in the same month as your Social Security benefits begin.
- You have end-stage renal disease (ESRD), which is permanent kidney failure, meaning you need either a transplant or regular dialysis. You must manually enroll if this is the case, as enrollment is not automatic.
- You are under the age of 65 and worked for the railroad and are now eligible for disability benefits through the Railroad Retirement Board. After 24 months, you are automatically enrolled.
There are some other points if you fall into the ESRD category, in New Jersey or elsewhere in the US. For instance, if you require a transplant, your benefits begin when an approved specialist has scheduled your surgery, usually in the same month. It's important to consult with your doctor and possibly a Medicare broker to comb through the finer details.
How Do You Manually Enroll in Medicare?
There is an initial enrollment period, as with age-eligible patients, which begins three months before you become eligible and lasts a for 3 months after your are eligible. To manually enroll in Medicare in New Jersey, you want to contact your Social Security Office by doing any of the following:
- Go online at https://www.ssa.gov/benefits/medicare/ to begin the enrollment process.
- Contact Social Security via phone at 1-800-772-1213 (TTY users 1-800-325-0778). Lines are open Monday through Friday from 7 AM to 7 PM.
- Visit your local Social Security office. Your local office can be found here- https://www.njmedicarebrokers.com/medicare-resources/when-does-medicare-start
You want to make sure you have all the relevant documentation regarding your diagnosis, and it's important to begin the process as soon as possible. Remember you can begin as early as three months before eligibility kicks in.
Consult Your Medicare Eligibility with a Medicare Broker
No matter where you live in the state of New Jersey, remember that if you have questions about the details to do with Medicare, it's never too late to consult with a Medicare broker. These people are professionals with zero ties to the government or the insurance industry and are therefore unbiased. Consult with someone at New Jersey Medicare Brokers to have any of your hard questions answered for peace of mind.
- What are my dental insurance options while on Medicare?
- 2024 Changes to the NJ PAAD and Senior Gold programs: GSK and Eli Lily Participation
- Medicare and Social Security updates for 2024
- 2024 Medicare Enrollment Period
- Medicare Announces Price Negotiations on 10 Prescriptions
- New and Expanded state assistance programs for Seniors in New Jersey - NJ PAAD, Senior Gold, NJ Freeze & Stay NJ
- Supporting a loved one on Medicare in New Jersey
- Five reasons to work with a Medicare Insurance Broker in New Jersey
- NJ FamilyCare, PAAD, and Senior Gold Renewal- Post COVID-19 Emergency Declaration
- 6 Ways to Prepare for Medicare if You’re Working Past 65
- Medicare updates for 2023!
- Medicare Annual Election Period ends 12/7 and NJ State Assistance thresholds have updated for 2023!
- Medicare Advantage Versus Medicare Supplement – What’s the difference?
- Shingles vaccines are $0 in 2023 thanks to the Inflation Reduction Act!
- Medicare Premium is Going Down in 2023! Medicare Annual Enrollment Period is here!
- Protecting Yourself Against Medicare Scams
- Medicare changes when moving to or from New Jersey
- Medicare Premium Payment Options
- NJ PAAD and Senior Gold raised their qualifications by $10,000 in 2022!
- The Medicare Advertisements should stop after December 7th!
- Medicare Open Enrollment Period Continues Until December 7th
- 2022 Medicare Open Enrollment Period
- What will you be billed for a hospital stay with Medicare coverage?
- Understanding Medicare and IRMAA - Income Related Monthly Adjustment Amount
- Does Medicare Cover Gym Membership?
- Are you insured when traveling with Medicare?
- Medicare and Dental
- What to Know when you Qualify for Medicare due to Disability in New Jersey
- What to Know About Medicare and COBRA
- What to Know About Visiting a New Jersey Social Security / Medicare Office
- Options for New Jersey Prescription Help
- How Important is the Medicare Star Rating?
- Medicare Assignment
- Why Should You Engage with a Medicare Broker?
- President Biden’s Medicare Plan
- A Guide to Medicare HMO and PPO Options
- Medicare Part D Senior Savings Model: An Overview
- Do You Need Help with Medicare.gov?
- Medicare and Acupuncture
- Medicare vs Medicaid: What's the Difference?
- What to Do When Helping Parents with Medicare
- Understanding the Medicare Plans in NJ
- Medicare and Coronavirus
- Delaying Medicare Part B
- Finding Medicare Assistance
- How Do I Sign Up for Medicare Part B in New Jersey?
- Medicare Help—Making Medicare Easy
- PAAD: New Jersey's Prescription Assistance Program
- Medicare Insurance Agents and Brokers
- Finding Your NJ Medicare Broker
- Medicare Part D Eligibility
- Medicare Advantage (Part C)
- New Jersey's Dual-Eligible Special Needs Plans - The Facts
- Medicare Eligibilty Age
- Medicare through Social Security Disability in New Jersey - You Don't Just Age into the System
- New Jersey Senior Gold Assistance Program- What You Need to Know
- Assistance Programs in New Jersey for Medicare Eligibles
- Top 7 Medicare Mistakes
- Utilizing Your New Jersey Medicare Insurance Agent
- Medicare and High Income: Does Income Change the Cost of Medicare?
- Changing Medigap Plans
- Why Am I Getting A Bill For a Medicare Physical Exam
- How Medicare Brokers Can Help
- Republican Plans for Medicare in 2020
- What You Need to Know About Medicare in New Jersey
- NJ PAAD Application Help
- What Really Is Medicare for All?