When you cannot work due to a medical condition, a Los Angeles Social Security disability lawyer can assist you in making sure you have income coming in by helping you to apply for Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI), or other appropriate benefits.
While you should have the money to support yourself if you can qualify for any of these benefits programs, you may also have another concern: how to pay for healthcare. Fortunately, there are some potential options available to you to get your healthcare costs covered.
Healthcare Options if You're On Disability
If you cannot work due to a disability and you're receiving SSI or SSDI benefits, some of your possible options for getting healthcare include:
- Medicaid: You should be qualified for Medicaid if you are receiving SSI benefits. You may also be able to obtain Medicaid when receiving SSDI, but would need to prove you meet the criteria for this means-tested benefits program. If you have too many assets or a household income that's too high, you won't be eligible.
- Medicare: After 24 months of receiving SSDI, you should become eligible for Medicare coverage.
- Obamacare exchanges: You can sign up for insurance through Covered California, which is the state's Obamacare exchange portal. You may be able to obtain subsidized coverage and you cannot be denied because of a pre-existing condition.
- COBRA: If you leave your job due to your disability, you can retain coverage for a period of time after you've left work. However, you'll need to pay full premiums.
A Los Angeles disability attorney can help you to apply for SSI or SSDI as quickly as possible after you become disabled so you can get qualified for these benefits and start the process of becoming eligible for medical coverage as well. Contact us today to find out more about how we can help.