Q Can disabled workers still get health benefits in NJ, even if their Social Security disability payments have stopped?
Yes. There are many reasons a disabled worker may still get health benefits in NJ even if he is no longer receiving monthly disability payments. Many employees who are able to return to work will do so gradually, usually on a part-time or work-at-home basis, reducing the risk of aggravating the previous injury. In these months, it is vital that an employee be able to retain payment for medical procedures in order to detect the first signs of relapse.
Here are a few medical benefits you may continue to receive as you begin your return to work:
- Hospital insurance – If you are participating in a Ticket to Work program, you will continue to receive at least 93 consecutive months of hospital insurance as part of your Medicare plan. As long as you remain disabled, you will pay no premium for hospital insurance.
- Medical insurance – Certain medical appointments may be covered as long as you are performing substantial gainful employment. Your benefits will start the month after the last month of your trial work period. As long as your disability remains unchanged and you are not medically improved, your coverage will last for 93 consecutive months.
- Prescription drug benefits – If you have hospital or medical insurance under Medicare, then you continue to qualify for prescription drug coverage.
Many disabled employees are afraid to begin working again, as they do not want to put their monthly benefits at risk. A New Jersey social security lawyer can tell you what to expect when you return to work--and how to get maximum payment for the costs of your disability. Call Manfred F. Ricciardelli today at 877-360-0183 or click the link above to download our FREE book, What the Injured Worker Needs to Know: Your Workers Comp Guide.