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This person was too old (over 22) when disabled so they don't qualify for Medicare under their parents' record, nor do they qualify under their own work record because they did not earn enough credits. The social security and medicare websites are not clear on this and three different answers were given by their phone reps.
If anyone has experienced this situation and has an answer, thanks in advance for your reply.

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You would need to talk to the Medicaid people in your state as opposed to Medicare or SS. The program is called QMB (sorry not sure what it stands for). Rules differ in each state.
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Dennisb, thanks for your reply. it may not be clear but the question does agree. The person is approaching 65 but the tricky part is that they became disabled at 24 and they did not get social secuirty disability ssd b/c they were too old to get itunder their parent's record and too young to have worked enough credits to get it on their own record. If they had been able to get ssd they would have qualified to get medicare after 24 months of receiving ssd. So they got ssi which automatically qualifies them for medicaid. Now skip forward 40 years now they are approaching 65. There are few doctors that will accept an adult on medicaid. So that's the question. Are they now allowed to apply for medicare at age 65. Having been on medicaid and unable to work for the past 40 years, they can not afford to buy into Medicare now. So the question is the same, does the system roll this person over into medicare at age 65 and supplement the premiums as a dual eligible or will they never qualilfy for medicare.

To clarify, they are not and have never received SSDI (disability) . They got ssi, supplemental due, as I stated to falling between the cracks in not becoming disabled young enough in life to qualify under parent's record and becoming disabled before they had enough work credits on their own to qualify for SSD on their own. So these people are given ssi.

three answers were given by ss and medicare reps:
1. no they can never get medicare they have to stay on medicaid only
2. yes they can apply at 65 but have to buy in (impossible if somone has been disabled and on medicaid most of their life)
3. yes, they qualify for medicare after getting ssi for 24 months (wrong - this is only if they had ssd for 24 months.

i am hoping the answer is what you suggested they can get it at 65 and medicaid will pay for it but I have yet to have this confirmed by any reps of these agencies. i was wonderinhg if there was someone here on the site with an older disabled sibling or other family member in the same situation. Not that I hope anyone ends up with this situation.
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The question in bold print and the words in non-bold print do not agree and therefore it is not possible to answer the question as presented. Is the person over 22 and disabled -- as it says in the non-bold print -- receiving SSDI or is the person 65? Once 65 at least, you can always "buy" Medicare even without enough work credits (and Medicaid might pay for it depending on answers to other questions I asked--see QMB).
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