Life Event Playbook
Becoming Disabled Under 65
Steps to Take
- Apply for SSDI through SSA
- Wait 24 months (or immediate for ALS)
- Auto-enroll in Medicare
- Review coverage options
Key Deadlines
- 24-month SSDI waiting period (immediate for ALS, 3 months for ESRD dialysis)
Watch-Outs
- Medigap is NOT guaranteed-issue for under-65 disabled in most states — confirm state rules
Related
Disclaimer: Educational content only. Confirm your specific situation with SSA, Medicare, or a licensed professional.
Frequently Asked Questions
Where do I enroll or make changes?+
Most Medicare changes happen at ssa.gov/medicare or medicare.gov. Your state SHIP offers free counseling.
How strict are deadlines?+
Very. Missing a Special Enrollment Period often means waiting for the Annual Enrollment Period (Oct 15 – Dec 7) and facing late penalties.
Do I need an agent?+
Not required, but a licensed independent Medicare agent can compare plans across multiple carriers at no cost to you.
What if I miss a deadline?+
Use the General Enrollment Period (Jan 1 – Mar 31) for Part B, accepting any applicable late penalty. Some SEPs allow late enrollment for specific hardship reasons.