Does disability pay for my medical bills?
If you are disabled and unable to work one of the toughest struggles you may face is how to pay for your medical care and prescription medications. Many Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claimants want to know if they are approved for either of these SSA disability benefits if they can expect to have money to pay for their medical costs.
Social Security Disability Insurance (SSDI)
Social Security Disability Insurance (SSDI) is a monthly cash payment provided to qualifying disabled workers which is based on the amount of employment taxes paid into the Social Security system and the employee’s average wages over the course of their employment. The amount paid to each qualifying claimant varies but the average paid is around $1,000 per month.
Claimants who receive SSDI can also expect to receive Medicare within 24 months from the date of their disability.
The expectation is that claimants can use both their monthly cash benefit combined with their Medicare benefits to finance the cost of all of their medical care. The Social Security Administration does not provide any additional cash payments for medical bills, doctor’s visits, or prescription medication which is outside of the benefits offered through the claimant’s Medicare plan.
Supplemental Security Income (SSI)
Supplemental Security Income (SSI) is also a monthly cash benefit, and it is paid to the aged, blind and disabled who have limited income and resources and who are unable to work for at least 12 continuous months.
The Social Security Administration does not offer any type of additional cash payments other than the Supplemental Security Income (SSI) payment for doctor’s visits, hospitalizations, or prescribed medications.
However, because SSI is specifically designed for claimants who have very limited income and resources they may be entitled to other benefits such as food stamps or assisted housing. These benefits are not provided by the Social Security Administration, and to apply for these benefits a claimant must contact the appropriate state or governmental organization.
What medical benefits are provided? Supplemental Security Income (SSI) claimants, in most states, will receive Medicaid at the time of their approval. Unfortunately, each state operates their Medicaid program a little differently. In thirty-two states claimants will receive their Medicaid benefit at the same time they receive their SSI benefit. Other states may provide Medicaid to SSI claimants, but the claimant must complete a separate application.
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