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Debra - I took an early retirement 8 years ago and worked only on a
part-time basis until 1998.  I started  drawing SSDI  in 2000.  Last year I
was eligible for Medicare.  I contacted Human Resources and found out my
former employer would continue medical coverage until age 65.  When I called
the Medicare Hotline I was told that I had the option to opt out due to
other coverage without jeopardizing future coverage at  age 65.
----- Original Message -----
From: "Debra Sutton" <[log in to unmask]>
To: <[log in to unmask]>
Sent: Wednesday, March 27, 2002 4:44 PM
Subject: SSDI


Well I have decided to finally swallow the big pill called PRIDE, and start
the application process for SSDI.  I don't know why that's been such a big
deal - it's not like I'm doing anything wrong.  I do have parkinson's after
all.  It's not like I'm going to wake up in the morning and it's going to be
gone.  I have a few questions I was hoping you could help me with before I
start.
1)  Right now i have great health benefits through my husband's job ( thank
you God!).  Once I get approved for SSDI - you know, in a year or two, -
will I still be able to use his medical benefits for doctor's visits and Rx.
I think the answer is yes but I figured I better check to be sure.
2)  After you have been on SSDI for i believe 24 months, you are eligible
for Medicare.  Does that mean you have to go on Medicare?  I mean, Medicare
might be advantageous in some cases but if it doesn't cover prescription
drugs, that could be really bad.  I don't see any advantage to getting SSDI
and then having to spend the whole thing on my meds.  How exactly does
Medicare work with SSDI?
I just don't want to make the wrong decision about applying and end up worse
off that I am now, in the future.  At the same time, my family could use
some money since my energy is zapped and my brain is muddled which makes
working impossible.  Any advice??
Debra

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