Disability Entitlements Timeline (Insured)

Below is the timeline for Social Security disability, from date of diagnosis and beyond for insured patients.

Date of Diagnosis or out of work——Check insurance policies for providers and benefits, file FMLA with employer, file STD application, COBRA may be offered

1 week————————————Complete physician visits and follow-ups, gather medical and financial documents

2 weeks———————————–Most STD payments begin, apply for Social Security Disability Benefits

45 days———————————–COBRA election if eligible, check status of Social Security Disability Benefits and Medicaid application, contact PAF if claim denied

2 months——————————— Notify insurer of COBRA extension

3 months———————————FMLA protection ends

5 months———————————SSDI waiting period ends for approved patients and payments begin. 24 month Medicare waiting period begins

12 months——————————–Must have medical certification of disability that prevents patient from working for 12 consecutive months to qualify for Social Security Disability

18 months———————————COBRA ends unless eligible for extension

24 months———————————LTD ends for certain diagnoses

29 months——————————-SSDI recipients become eligible for Medicare

36 months——————————-COBRA extension ends

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