Medicare and Disability

Medicare and Disability: Enrolling into Medicare

If you become eligible for Medicare because of a disability, and have been receiving Social Security Disability Insurance (SSDI) or railroad disability annuity checks for 24 months, you will be automatically enrolled in both Medicare Part A and Part B.

You will receive a package in the mail three months before your coverage starts with your new Medicare card and a letter explaining how Medicare works and that you have been automatically signed up for both Medicare Part A and Part B.

For more information about how Medicare works for people who have a disability, click on the following links:  Health Insurance Options for Disable under 65 Years of Age and   Medicare for People with Disabilities

Important Insurance Concerns for Disabled Medicare Beneficiaries

  • Enroll in Medicare Part B

Do not turn down Medicare Part B unless you have employer insurance from your or your spouse’s current job. If you do not have employer insurance and you turn down Part B, you may have to pay a premium penalty when you do sign up.


  • Buy a Medigap policy when you’re first eligible 

The best time to buy a Medigap/Medicare Supplemental Insurance policy is during your 6-month Medigap open enrollment period which begins with your Medicare Part B effective date. The state of Maryland requires that Medigap insurers offer a limited number of Medigap policies to under 65 Medicare beneficiaries. Please contact the SHIP office at 301-590-2819 for additional information.  

  • Learn about Maryland EID Program

The Employed Individuals with Disabilities (EID) Program offers Medical Assistance (Medicaid) coverage to Marylanders with disabilities who work for pay and who meet certain eligibility requirements. The EID program provides full fee-for-service Medical Assistance coverage and wrap around services for those with other health insurance or Medicare. The EID program lets you return to work and keep your health benefits by paying a small fee.  

For questions on EID program eligibility and to obtain an application contact:

Victor Murrana


Or click on the following link: Program Information for Employed Individuals with Disabilities

Disability Resources