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Disability Insurance

You should apply for disability benefits as soon as you become disabled. It can take a long time to process an application for disability benefits (three to five months). To apply for disability benefits, you will need to complete an application for Social Security Benefits and the Disability Report. You can complete the Disability Report at

Is your medical condition “severe”?

For the state agency to decide that you are disabled, your medical condition must significantly limit your ability to do basic work activities—such as walking, sitting and remembering—for at least one year. If your medical condition is not that severe, the state agency will not consider you disabled.

Is your medical condition on the List of Impairments?

The state agency has a List of Impairments that describes medical conditions that are considered so severe that they automatically mean that you are disabled as defined by law. If your condition (or combination of medical conditions) is not on this list, the state agency looks to see if your condition is as severe as a condition that is on the list.

After you start receiving disability benefits, you may want to try working again.

There are special rules that help you keep your cash benefits and Medicare while you test your ability to work. We call these rules “work incentives” or “employment support” programs.

You will get Medicare coverage automatically after you have received disability benefits for two years.

Once on Medicare then there are numerous health options in two arenas: Advantage and Supplements.

With the latter, Supplements, you’re limited to only Plan A, while the Advantage plans will probably look more benefit rich. Since the Advantage plan benefits change annually it’s best to allow an agent to guide you through the maze.

Very important:

Once you obtain your Medicare B there’s a clock ticking down…meaning you have a limited time to enroll and not have the disability count as a pre-existing condition…when that time passes you might not qualify for coverage.

You don’t want to miss this “open election period.”


Mitchell Jerome

P.O. Box 6556

Kingwood, TX 77339

Phone: 713.639.5097

Fax: 832.644.6423

Toll Free: 877.402.7236


Medicare Supplements

Medicare Advantage Plans

Individual Health

Dental Plans


Fixed Annuities

Final Expense

Life Insurance


Located in Texas and serving the Greater Houston area and the state of Texas.

"Medicare has neither endorsed nor reviewed this information. It is not connected or affiliated with any United States Government or State agency. Calling this number will direct you to a licensed Agent/Broker."

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