Call us at: (720) 706-9055

Connect with us:


blog image

Are you on Medicare due to Disability?

September 18, 20232 min read

Social Security disability is a benefit for folks under 65 that provides assistance to people who meet Social Security requirements for disability.  When a person is awarded Social Security disability, he/she will be granted Medicare starting the 25th month of disability.

If your disability took awhile to get approved and SSA backdates the effective date of your disability benefits, the months that have passed will count toward the Medicare qualification period.  For example, if you applied for disability in September of 2022 and were awarded disability in August of 2023 but it was backdated to September of 2022, September 2022 would be month 1.  Your Medicare would then start September 1, 2024.

There are a few exceptions to this rule.  If you have ALS, you’ll get Part A and Part B automatically the month your Social Security disability benefits begin.

If you have been diagnosed with End Stage Renal Disease (ESRD), and you want Medicare, you will need to sign up for it.  You can qualify for this coverage if you have permanent kidney failure requiring dialysis or a kidney transplant. When you sign up for Medicare based on ESRD and you’re on dialysis, Medicare coverage usually starts on the first day of the fourth month of your dialysis treatments.

If you have coverage through your employment or a spouse’s employment, there are two scenarios for how Medicare will work with the Employer Plan while on disability.  If the employer has 100 or more employees, the employer plan will be primary.  If there are fewer than 100 employees, then Medicare will pay primary to the employer plan.

If you were not working due to your disability and then go back to work, as long as your disabling condition still meets SSA’s rules, you can keep your Medicare coverage for at least 8 ½ years after you return to work.

As you can tell, there are a lot of different scenarios and it can be overwhelming.  Please call me if you have any questions. 720-626-6524

Back to Blog

News & Upcoming Events

The Buzz Blog

Recognizing the Gift

February 21, 2023

Offered by: Dawa Sherpa, Publisher, The Brighton Buzz As we continue to transition into 2023, here at The Brighton Buzz, …

Welcoming 2023 With Enthusiasm!

February 1, 2023

Dawa Sherpa, The Brighton Buzz As the New Year rolls in, we all look forward to the opportunity to reflect …

News from our Advertisers

Advice for First-time Homebuyers

February 8, 2023

Offered by: Scott and Lora Nordby, Berkshire Hathaway HomeServices Colorado Real Estate First-time homebuyers are discouraged by high home prices, …Read More »

Trees through 2023 Tree Program available for purchase

February 8, 2023

Offered by: City of Brighton Communications Spruce up your yard with a tree from the City of Brighton’s 2023 Tree …Read More »

Treat yourself this Valentine’s Day

February 8, 2023

Offered by: Nikki Rolando, Goat Bubbles, LLC Hi, my name is Nikki Rolando and I’ve been making goat milk bath …Read More »


I got a call from Susan at the Brighton Buzz asking if I wanted to advertise n the next issue. My response was that I either needed to keep my ad running or fold the business.

About 90% of the calls that I receive include a comment like, ”I saw your ad in the Brighton Buzz….

The majority of my calls take me inside a home, it is not unusual for somebody to pick up a copy of the Buzz and say they found me right there. The Buzz that they show me is frequently not the latest issue. The Buzz has great holding power! At the same time, I can always tell when The Buzz has hit mailboxes. My phone starts ringing. A lot of people seem to look through it right away.

The cost per home is low, the cost per response is reasonable. Am I going to continue to advertise in the Brighton Buzz? You can count on it!

Roome Paget

Gray Guy Handyman Service, LLC

Brighton, CO

Copyright © The Brighton Buzz | P.O. Box 279, Brighton, CO 80601 | Ph: (720) 706-9055