Social Security Disability Recipients See Benefits Increase In New Year, But May N... (HealthcareCosts/COBRACoverage/tabid/256/...)

Social Security Disability Recipients See Benefits Increase In New Year, But May Not in 2010

Date:1/23/2009

HealthcareCosts/COBRACoverage/tabid/256/Default.aspx?=PRW09-1" onclick="linkClick( this.href );" target="_blank" title="COBRA">COBRA extension. For some workers, once you leave your job, you, your spouse and dependents may continue to get health insurance at group rates for up to 18 months through your employer under COBRA. There is the opportunity to get an 11-month extension by qualifying for SSDI, allowing for up to 29 months of healthcare coverage.

3. Medical benefits and prescription drug coverage. No matter someone's age, anyone who has been receiving SSDI benefits for 24 months becomes eligible Medicare, including Part A (hospital benefits) and Part B (medical benefits). As a Medicare beneficiary, you also are eligible for Medicare Part D, which is the prescription drug plan.

4. Protected retirement benefits. Since your earnings records factor into your Social Security retirement, it's important to take advantage of a feature of receiving Social Security disability benefits: the "freeze" on your earnings record. This means that the years that you were not working (with earnings of $0) because of a long-term disability would not be factored into your Social Security retirement benefit upon reaching full retirement age.

5. Dependent benefits. If you receive Social Security disability benefits and you have a dependent under age 18, he or she also may be eligible for benefits.

6. Return-to-work incentives. Under the SSA's work incentives program, individuals on SSDI can test their ability to return to work. They continue to receive benefits regardless of how much they earn during the trial-work period, which continues until they have worked nine months within a 60-month period. In the 36 months after the trial period, they can wo
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