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    • #21165
      Sonsu
      Participant

      My husband diagnosed 3 months ago is working full time at this time.  We want to know our options regarding how and when one applies for medicare. He is planning to take long term disability from work when he is not able to work. Want to know timeline for applying for social security and medicare.

    • #21167
      Dagmar
      Keymaster

      Hello Sonsu,

      The ALS Association has a good and thorough explanation at this link:

      https://www.als.org/navigating-als/financial-information/medicare-information

    • #21172
      thomas hubbard
      Participant

      This website just leads around in circles, never provided any usable real information. It seems more designed for building membership and donations than actually helping somebody.

    • #21175
      Lisa
      Participant

      Sonsa, I had the option of Long Term Disability through my employer as well and took it. The insurance carrier for my LTD plan actually hires a company to assist their disability members with applying for SS Disability, maybe your husbands LTD insurance carrier will do the same. When I say assist, they walked me through the whole process, even filling out and mailing forms for me. It works to their benefit to get you onto SS as soon as possible because it’s less money that the insurance company has to pay out to your husband. SS will fast track your husband’s case through because of his diagnosis and once he’s approved he will automatically be put onto medicare. His medicare effective start date will be back dated to the same date as the start date of his total disability. (I am only 51 yr old)

      Another option for assisting with the process….most ALS clinics have contacts with a company that can also assist with the process.

      If you have any other questions, I can try to answer, but I am not an expert by any means!

      • #21234
        Sonsu
        Participant

        <p style=”text-align: left;”>Thank you Lisa. My husband does have long term disability with his employer. To the extent he gets Social Security disability benefit does his LT Disability carrier pays less?</p>
        From the time you inform your employer how long did it take you to start getting disability benefit from employer policy provider. How does that process work.

        Thanks.

         

         

        • #21272
          Lisa
          Participant

          Sorry That I am just getting back to you Sonsu.  I think Dustin probably answered your questions, but I’ll throw in my 2 cents.  Just as Dustin said, if your husbands LTD policy pays states that they pay 60%, The carrier will pay the full 60% until his SS is approved. At that point, he will receive whatever his SS payment is, then the LTD will make up the rest to get him to that 60% mark.

          I was on short term disability while I applied for Long term, short term kicked in after 1 week of vacation pay and lasted up to 6 months where I worked.  Hopefully your husband has that option.  The process for the LTD took longer, probably 4-6 weeks for me, but I was collecting short term disability while it was being processed. And just as Dustin said, my LTD benefit is taxed because my employer paid the premiums.

    • #21263
      Dustin Kassman
      Participant

      I completed the process of applying for SSDI and long term disability (LTD) insurance last year. Here are the highlights:
      – You will automatically qualify for SSDI and Medicare based on your ALS diagnosis.
      – While it may take several weeks (mine took 6), both will be retroactive back to your application date.
      – The amount you receive for SSDI will be approximately the same as if you worked until normal retirement age. If you create an account on http://www.ssa.gov it will show you your estimated SSDI amount.
      – My LTD policy had a 90 day waiting period before it went into effect. If you have a short term disability policy it will cover this period; my employer did not offer such coverage.
      – The amount that you get from LTD will be the amount stated in your policy MINUS what you receive from SSDI. Your LTD policy will require that you apply for SSDI.
      – Your SSDI payments are taxable.
      – Your LTD portion is non-taxable IF you paid for the policy yourself, otherwise it is taxable if your employer paid the premiums.

    • #21309
      Jan: CA, pals
      Participant

      Lisa and Dustin offered very easy, detailed, everyday talk, understandable, help to get through this disability/Medicare maze, thank you for that 🙂

      I don’t believe it is very professional for a lead to answer with a link, just my opinion.

      Thomas, I couldn’t agree more. There are some days where I received 6, yes SIX emails and TEN to FIFTEEN emails from the “organization”. Too many employees and not enough work for them? They must also be giving out my address to other individuals because you know, if there is a persons name on the from line and you did not give that person your email address, it is Just unsolicited junk mail. Although it is annoying to receive unsolicited junk mail, the easy fix is just to NOT EVEN OPEN and send it to SPAM. I have stopped trying to use unsubscribe, takes too much time, so spam is my friend. The reason I opened this email—–> it said FORUM!!!
      Now that is something for me and worth reading. I am glad I did! ‘Just saying…

    • #21310
      Jan: CA, pals
      Participant

      Opps, please add: per week… 10-15 emails per week.

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