The Parts Of Medicare
Social Security enrolls you in Original Medicare .
- Medicare Part A helps pay for inpatient care in a hospital or limited time at a skilled nursing facility . Part A also pays for some home health care and hospice care.
- Medicare Part B helps pay for services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.
Other parts of Medicare are run by private insurance companies that follow rules set by Medicare.
- Supplemental policies help pay Medicare out-of-pocket copayments, coinsurance, and deductible expenses.
- Medicare Advantage Plan includes all benefits and services covered under Part A and Part B prescription drugs and additional benefits such as vision, hearing, and dental bundled together in one plan.
- Medicare Part D helps cover the cost of prescription drugs.
Most people age 65 or older are eligible for free Medicare hospital insurance if they have worked and paid Medicare taxes long enough. You can sign up for Medicare medical insurance by paying a monthly premium. Some beneficiaries with higher incomes will pay a higher monthly Part B premium. To learn more, read .
Documents You Need When Applying For Social Security
When its time to apply for your Social Security benefits, youll need to have the following documents in hand:
- Your Social Security card
- Your original birth certificate, or a certified copy
- Proof of U.S. citizenship or lawful alien status
- Military service papers, if applicable
- Your W-2 form from the last year
If you cant access any of these documents for one reason or another, dont hold off on applying. Your local Social Security office can help you obtain certified copies or equivalent information, or you can submit them later on in the process. Delaying signing up for benefits could result in you losing benefits.
Note that the SSA can accept photocopies of some of these documents, such as your W-2 and tax returns. However, youll need to submit the original of other forms, such as your birth certificate.
How To Get A Social Security Card
Also Check: Medicare Benefit Policy Manual Chapter 1 Section 10
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When Should I Sign Up For Medicare
Generally, we advise people to file for Medicare benefits 3 months before age 65. Remember, Medicare benefits can begin no earlier than age 65. If you are already receiving Social Security, you will automatically be enrolled in Medicare Parts A and B without an additional application. However, because you must pay a premium for Part B coverage, you have the option of turning it down. You will receive a Medicare card about two months before age 65. If you would like to file for Medicare only, you can apply by calling 1-800-772-1213. Our representatives there can make an appointment for you at any convenient Social Security office and advise you what to bring with you. When you apply for Medicare, we often also take an application for monthly benefits. You can apply for retirement benefits online.
If you didnt sign up when you were first eligible for Medicare, you can sign up during the General Enrollment Period between January 1 and March 31 each year, unless you are eligible for a Special Enrollment Period.
How Do I Apply For Supplemental Security Income
SSI is an income assistance program administered by the SSA for people who are elderly , blind, or disabled or whose income follows these guidelines: . For the most current information on SSI requirements, please call the SSA at 1-800-772-1213 or visit . You can generally expect an answer on whether you are eligible for SSI within two to six months.
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Report The Death Of A Social Security Or Medicare Beneficiary
You must report the death of a family member receiving Social Security or Medicare benefits. The Social Security Administration processes death reports for both. Find out how you can report a death and how to cancel benefit payments. In addition to canceling SSA and Medicare benefits, find out what other benefits and accounts you should cancel.
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Medicare Part A Costs
One big benefit of Medicare Part A is that most people are eligible to participate without having to pay a monthly premium. If you or your spouse paid into the Medicare program via payroll withholding for at least 10 years, you generally wont have to pay for Part A coverage.
Some people who dont have 10 full years of work history will have to pay monthly premiums. Those working between 30 and 39 quarters will pay $278 per month in 2023, up $4 from 2022. Those with less than 30 quarters of eligible work history have to pay $506 per month, higher by $7 from year-earlier levels.
If you need to use your Part A coverage during the year, there are additional costs under the program. A deductible of $1,600 for 2023 applies upfront before Medicare starts to cover costs. Thats $44 higher than it was in 2022.
There are also copayments for many Part A services. After the deductible is met, Medicare provides full coverage for the first 60 days of a hospital stay. From the 61st day to the 90th, the copayment is $400 per day, up $11 from 2022. On the 91st day and beyond, you have 60 lifetime reserve days for which youll pay $800 per day in 2023, $22 higher than in 2022.
The cost structure for skilled nursing-facility stays is similar. Copayments are $0 for the first 20 days, and then from the 21st day to the 100th day, patients have to pay $200 per day. Thats up by $5.50 per day from 2022. Beyond the 100th day, Medicare no longer offers coverage.
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Who Is Eligible For Medicare
Most people enroll in Medicare when they turn 65. You can enroll as early as three months before your 65th birthday or as late as three months after. Youll need to be a United States citizen or have been a permanent legal resident for at least five years. In order to get full coverage, you or your spouse need to meet a work requirement. Meeting the work requirement verifies that youve paid into the system.
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What We Will Ask You
Depending on the information you provide, we may need to ask other questions.
Note
You should also have your checkbook or other papers that show your account number at a bank, credit union or other financial institution so you can sign up for Direct Deposit, and avoid worries about lost or stolen checks and mail delays.
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How Do Benefits Work And How Can I Qualify
While you work, you pay Social Security taxes. This tax money goes into a trust fund that pays benefits to:
- Those who are currently retired
- To people with disabilities
- To the surviving spouses and children of workers who have died
Each year you work, youll get credits to help you become eligible for benefits when its time for you to retire. Find all the benefits Social Security Administration offers.
There are four main types of benefits that the SSA offers:
-
Learn about earning limits if you plan to work while receiving Social Security benefits
Lost Or Stolen Federal Payments
Report your lost, missing, or stolen federal check to the agency that issued the payment. Its usually one of these paying agencies. If your documentation indicates its a different agency, and you need its contact information, look in the A-Z Index of U.S. Government Departments and Agencies.
To get an update on your claim, contact the Treasury Department Philadelphia Financial Center at 1-855-868-0151, option 1.
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How Do I Apply For Disability Benefits
To apply for disability benefits, please visit www.ssa.gov/applyfordisability. In order to be approved for disability benefits, you must prove the following:
- You are unable to perform work that you were able to do before, and your disability must be expected to last 12 months or result in death
- You cannot adjust to other work because of a medical condition
If you do receive disability benefits, they wont begin until the sixth full month after the date the SSA decides the disability began. In addition, you must wait two years before you qualify for Medicare coverage.
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Already Enrolled In Medicare
If you have Medicare, you can get information and services online. Find out how to .
If you are enrolled in Medicare Part A and you want to sign up for Part B, please complete form CMS-40B, Application for Enrollment in Medicare Part B . If you are applying for Medicare Part B due to a loss of employment or group health coverage, you will also need to complete form CMS-L564, Request for Employment Information.
You can use one of the following options to submit your enrollment request under the Special Enrollment Period:
Note: When completing the forms CMS-40B and CMS-L564:
- State I want Part B coverage to begin in the remarks section of the CMS-40B form or online application.
- If possible, your employer should complete Section B.
- If your employer is unable to complete Section B, please complete that portion as best as you can on their behalf and submit one of the following forms of secondary evidence:
- Income tax form that shows health insurance premiums paid.
- W-2s reflecting pre-tax medical contributions.
- Pay stubs that reflect health insurance premium deductions.
- Health insurance cards with a policy effective date.
- Explanations of benefits paid by the GHP or LGHP.
- Statements or receipts that reflect payment of health insurance premiums.
Some people with limited resources and income may also be able to get .
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What You Need For Apply For Ssdi Or Ssi Benefits
You will get a faster decision when you apply for Social Security Disability Insurance or Supplemental Security Income with the Social Security Administration if you provide:
- Your Social Security number
- Medical records from your doctors, therapists, hospitals, clinics and caseworkers
- Laboratory and test results
- Names, addresses, phone and fax numbers of your doctors, clinics and hospitals
- Names of all medications you are taking
- Names of your employers and job duties for the last 15 years
If you are applying for a child, you also need school records regarding your childs disability.
IMPORTANT NOTE: Dont wait to file your claim for disability payments even if you dont have all this information.
If you think you may be eligible for payments, call 772-1213 to file a claim or contact your local Social Security Office . You must contact the Social Security Administration to apply for benefits. If you are looking for an online application for either SSDI or SSI visit ssa.gov. For an update on case status call the Vocational Disability Examiner as identified in your introductory claimant letter
How To Apply Online For Just Medicare
Are you within three months of turning age 65 or older and not ready to start your monthly Social Security benefits yet? You can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later. It takes less than 10 minutes, and there are no forms to sign and usually no documentation is required.
To find out what documents and information you need to apply, go to the .
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The Basics About Survivors Benefits
. If you are working and paying into Social Security, some of those taxes you pay are for survivors benefits. Your spouse, children, and parents could be eligible for benefits based on your earnings.
. You and your family could be eligible for benefits based on the earnings of a worker who died. The deceased person must have worked long enough to qualify for benefits.
For more information, please read .
Retirement And Spousal Benefits
Youll need to provide an array of personal and work information, including:
- Your date and place of birth.
- Start and stop dates for jobs held in the past two years .
- Military service, if applicable.
- The routing number of the bank where you want Social Security to deposit your payment, and the number and type of your account.
Social Security provides a complete checklist of what youll need for your application.
When you can file: The minimum age to apply for both retirement and spouse benefits is 62, but monthly payments are higher if you wait longer.
Where to file:Online, by phone or in person.
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Social Security Disability Insurance
For SSDI, the document requirements are considerably broader and the application is lengthier. Along with the usual personal data , youll need to provide extensive documentation of your medical history and treatment and file an Adult Disability Report.
The SSDI process also includes an interview, in person or by phone. Youll find detailed information in Social Securitys Adult Disability Starter Kit.
When you can file: There is no minimum age for SSDI but you must have done at least some work in which you acquired Social Security credits.
Where to file:Online, by phone or in person.
Applying For Social Security Benefits
Social Security offers an online retirement, disability and Medicare application that you can complete in as little as 15 minutes by visiting: apply for retirement or Medicare only or apply for disability benefits.
It is so easy. Better yet, you can apply from the comfort of your home or office at a time most convenient for you. In most cases, once your application is submitted electronically, youre done. There are no forms to sign and usually no documentation is required. Social Security will process your application and contact you if any further information is needed.
You can apply online for retirement benefits if you:
- are at least 61 years and 9 months old
- are not currently receiving benefits on your own Social Security record
- have not already applied for retirement benefits and
- want your benefits to start no more than 4 months in the future.
This service is only for individuals applying under their own social security number.
If that is not your case, please request an appointment by completing our internet inquiry form.
Social Security Benefits for foreigners or non-U.S. Residents
If you are not a U.S. resident or a U.S. citizen, but worked over 10 years in the U.S., under your own Social Security number and are over the age of 62 and you would like to inquire about your eligibility to U.S. social security retirement benefits you can submit your inquiry completing our internet inquiry form.
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