Content Overview
- Summary
- Effect Of Return To Work On Health Insurance
- Effect Of Return To Work On Social Security Disability Income (SSDI) Benefits
- Effect Of Return To Work On Supplemental Security Income (SSI) Benefits
- Effect Of Return To Work On Medicare
- Effect Of Return To Work On Medicaid
- Effect Of Return To Work On Drug Assistance Programs
- Effect Of Return To Work On Life Insurance
- Effect Of Return To Work On Long Term Disability Insurance
- Return To Work: For What New Benefits Am I Eligible?
- What Happens To Public Benefits Such As Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicare Or Medicaid If I Have To Stop Working Again?
- What Happens To Benefits From My Employer If I Have To Stop Working Again?
Return to Work For Your Former Employer: Impact On Benefits Such As Health Insurance
Effect Of Return To Work On Medicare
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Keeping Medicare coverage is usually a good idea. If you get other health insurance, Medicare would act as a "safety net" of coverage.
Federal rules establishing priorities of payment between overlapping insurance will help minimize your co-payments and deductibles. To learn more, see Coordination of Benefits.
If you have Medicare as a result of receiving Social Security Disability Insurance (SSDI), and your SSDI benefits stop because of your return to work
Coverage will remain in force for three years without payment of premiums.
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After that time, if you're still working but medically disabled, you can keep coverage in force indefinitely by paying premiums yourself.
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If you qualify financially, your state welfare office will pay premiums for you.
If you have been receiving SSDI, but haven't qualified for Medicare by the time you return to work
You'll be given full credit for the months you've received benefits (against the 24 month wait) at any time you again become disabled, so long as the cause of both disabilities is the same.
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