Q Our family depends on my husband’s Social Security disability checks. Now our doctor says my husband needs dialysis, and maybe a kidney transplant. Who is going to pay for that?
For patients receiving Social Security disability in New Jersey, one of the biggest concerns is getting the maximum amount of payment for their monthly bills without losing their full Social Security payments. Many families who are torn between having a lifesaving surgery and paying lifelong medical bills can get help through Social Security’s health insurance system.
Normally, disabled persons under age 65 (or their surviving spouses and children), who have been receiving monthly disability benefits for at least 24 months, may apply for additional health coverage through Social Security. However, workers with severe health conditions do not have to wait for two years to pass before they become eligible for Medicare insurance.
You may be able to get federal health coverage for your hospital visits, prescriptions, and other supplementary medical costs if you:
- Have chronic kidney failure that requires a kidney transplant or a regular course of dialysis
- Are receiving worker benefits for Amyotrophic Lateral Sclerosis (Lou Gehrig's disease) or are entitled to disabled widow, widower, or disabled adult child benefits for ALS
- Are entitled to monthly insurance payments because of work that is covered by the Social Security Act or the Railroad Retirement Act.
- Are liable for spousal payment or dependent child payments of a disabled worker who is eligible for Social Security Act or Railroad Retirement Act benefits
Manfred F. Ricciardelli, Jr., can tell you exactly which benefits you qualify for in your FREE, one-on-one consultation. The call is FREE, and we charge you nothing unless we win your case; call us today at (877) 360-0183. You can also click the link above to download our FREE electronic book, What the Injured Worker Needs to Know: Your Workers Comp Guide.