In this article, a Chicago SSD attorney addresses what happens in cases of over-payment and the connection between Social Security disability and eligibility for Medicare.
If You Were Overpaid
The Social Security Administration expects repayment of any funds that were paid to you in excess of what should have been paid. To recoup whatever amount was overpaid they may issue a demand letter stating how much is owed and requiring that you forward the remittance. If you cannot afford to do so, your monthly payments may cease until the account is settled.
Normally, however, they do not follow a procedure quite that extreme, opting instead for a deduction from your monthly checks until full restitution has been made. Unfortunately, this can cause financial hardship for you. You and your Chicago SSD attorney may appeal to the SSA to dismiss some or all of the over-payment. It is not impossible, but the chances are not particularly promising.
Your Payments
If you and your Chicago SSD attorney have won your case and you have been declared disabled, the normal sequence of payments begins once any past-due benefits have been paid. At that time your payments will be sent to you such that you receive them on the second, third or fourth Wednesday of your birth month. These payments are made one month in arrears. In other words, you are being paid for the previous four weeks.
Medicare
Once you have been on Social Security disability for two years, you are eligible to file for Medicare. Part A requires no payments from you, but a premium is deducted from your benefits to pay for Part B. Part B provides out-patient coverage for doctor bills and related expenses.
Other Programs
If you are in a low income bracket, there are other programs for which you may apply that will take care of such expenses as are not paid for under Medicare. They may also pay the Part B premium for you. Your local welfare office or your SSD attorney can provide you with information concerning these programs and help you determine whether or not you meet the income restrictions.
Medicare and Your Health Insurance
Your existing health insurance carrier, if you are already insured, will normally become your secondary insurance once you have become eligible for Medicare. The secondary provider will be responsible for the costs that are not paid for under Medicare Parts A and B. When you receive your Medicare card, contact your current insurer so that the appropriate arrangements can be made.
Seek Advice From Your Chicago SSD Attorney
Processing a Social Security disability claim is a long and complex process. For guidance, assistance or representation, contact Chicago Disability Law, your Chicago SSD attorney, today.
