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Return To Work As A Self-Employed Person -- Impact On Benefits


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Keeping Medicare coverage is usually a good idea. If you get other health insurance, Medicare would act as a "safety net" of coverage.

Federal rules establishing priorities of payment between overlapping insurance will help minimize your co-payments and deductibles. To learn more, see Coordination of Medicare and Other Health Benefits.

If you have Medicare as a result of receiving Social Security Disability Insurance (SSDI), and your SSDI benefits stop because of your return to work

Coverage will remain in force for three years without payment of premiums.

  • After that time, if you're still working but medically disabled, you can keep coverage in force indefinitely by paying premiums yourself.
  • If you qualify financially, your state welfare office will pay premiums for you.

If you have been receiving Social Security Disability Insurance (SSDI), but haven't qualified for Medicare by the time you return to work

You'll be given full credit for the months you've received benefits (against the 24 month wait) at any time you again become disabled, so long as the cause of both disabilities is the same.

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SSDI - Return to Work

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