Re: Supplemental Medicare Insurance: Oxford

[Guest guest]

I retired early because of my spine problems. I got Medicare when I was 60, not

realizing I could have gotten it one year before because if nt medical

retirement. And

because I had been retired for a year on a State Retirement, SS gave me a lump

sum for

the same time and that was how I got my old beat-up but usable mobile, LOL!!!!!

But on a

regular retirement I could have gotten my SS at 62 I think, but I don't really

know. And

now the rules may have changed.

ml

Kore wrote:

>

> Hi all,

>

> Is anyone using Oxford for their supplemental insurance while on Medicare? I'm

> not sure whether it's restricted to the Northeast or not, it may be.

>

> Also, I've decided to take early retirement. If anyone else has done this,

when

> did you become eligible for Medicare, at 65 or earlier?

>

> Thanks, Dianne

>

>

> __________________________________

>

[Guest guest]

You know, with the change in full retirement age, Medicare may not begin

until you reach that age. Before, regardless of when you began SS, you

did not get Medicare until 65.

Didn't Hal Lamster have Oxford at one time?

Helen

[Guest guest]

I got SS at age 61 on a medical retirement.

ml

Helen Mueller wrote:

>

> You know, with the change in full retirement age, Medicare may not begin

> until you reach that age. Before, regardless of when you began SS, you

> did not get Medicare until 65.

>

> Didn't Hal Lamster have Oxford at one time?

>

> Helen

>

>

[Guest guest]

You become eligible for Medicare at the age of 65, the first day of the

month of your 65th birthday.

Sue

> Also, I've decided to take early retirement. If anyone else has done

> this, when

> did you become eligible for Medicare, at 65 or earlier?

[Guest guest]

if you get socal securty for a disbailty you get medicare after a year. i

was on social securty disbailty on ce. might have to go back on.

>

>Reply-To: diabetes_int

>To: diabetes_int

>Subject: Re: Supplemental Medicare Insurance: Oxford

>Date: Fri, 25 Feb 2005 13:42:23 -0800

>

[Guest guest]

Actually I start my medicare disability insurance the first of March after being

on disability for 6 months. So not quite as long as predicted.

Jan Haney

if you get socal securty for a disbailty you get medicare after a year. i

was on social securty disbailty on ce. might have to go back on.

[Guest guest]

Actually I start my medicare disability insurance the first of March after being

on disability for 6 months. So not quite as long as predicted.

Jan Haney

if you get socal securty for a disbailty you get medicare after a year. i

was on social securty disbailty on ce. might have to go back on.

[Guest guest]

Actually I start my medicare disability insurance the first of March after being

on disability for 6 months. So not quite as long as predicted.

Jan Haney

if you get socal securty for a disbailty you get medicare after a year. i

was on social securty disbailty on ce. might have to go back on.

[Guest guest]

Hi ML,

When you say you retired, are you talking about Social Security Disability?

There's a difference between that and age-related Social Security.

I need to talk to someone who can sit me down and take me through the

differences (benefits and liabilities) of attempting to get SSD in the current

political environment, and just taking early retirement at 62.

Thanks, Dianne

__________________________________________________

[Guest guest]

Hi ML,

When you say you retired, are you talking about Social Security Disability?

There's a difference between that and age-related Social Security.

I need to talk to someone who can sit me down and take me through the

differences (benefits and liabilities) of attempting to get SSD in the current

political environment, and just taking early retirement at 62.

Thanks, Dianne

__________________________________________________

[Guest guest]

Dianne I sure wouldnt take early retirement if you are qualified for disability.

You will get more money with disability. If you are married you will get less

than if you are single. I lost $300 due to my being married. Also disability

is based on your location. I live in calif so the amt is more than if I lived

in AZ or Ore. Not sure how it is figured. But I still t hink disability is

good.

Jan

I need to talk to someone who can sit me down and take me through the

differences (benefits and liabilities) of attempting to get SSD in the current

political environment, and just taking early retirement at 62.

[Guest guest]

Dianne I sure wouldnt take early retirement if you are qualified for disability.

You will get more money with disability. If you are married you will get less

than if you are single. I lost $300 due to my being married. Also disability

is based on your location. I live in calif so the amt is more than if I lived

in AZ or Ore. Not sure how it is figured. But I still t hink disability is

good.

Jan

I need to talk to someone who can sit me down and take me through the

differences (benefits and liabilities) of attempting to get SSD in the current

political environment, and just taking early retirement at 62.

[Guest guest]

can you get SSI if you did not work long enough to qualify and your

Disability is diabetes

Tommie wrote:

> Hi Dianne,

>

>

>

> I am on SSDI.. I don't believe there is any difference in age related

> Social

> Security and Disability. There is a difference in SSI and SSDI though. SSI

> is what you get, if you qualify, when you didn't work a total of 60 months

> throughout your life. SSDI is when you did work more than 60 months

> and paid

> into SS. Also on SSI you do not qualify for Medicare, but are entitled to

> Medicaid if you meet the State's requirements.

>

>

>

[Guest guest]

Thanks, Tommie,

This is a lot of valuable information and I appreciate it very much. I know I

have Fibro and suspect that I may have Chronic fatigue as well. Lately I can

hardly stay awake.

Hugs, Dianne

__________________________________________________

[Guest guest]

Thanks, Tommie,

This is a lot of valuable information and I appreciate it very much. I know I

have Fibro and suspect that I may have Chronic fatigue as well. Lately I can

hardly stay awake.

Hugs, Dianne

__________________________________________________

[Guest guest]

I retired from the State of CA in 1995. And then in 1997 I got my S.S.

Disability

Retirement but was credited for 1996. And because I had already been retired one

year I

started with one lump sum. If you apply for a disability retirement, one thing,

be sure

to go to their doctor. You won't even have a chance otherwise.

I would suggest going to your local Social Security Office to find out the

latest info.

ml

Kore wrote:

>

> Hi ML,

>

> When you say you retired, are you talking about Social Security Disability?

> There's a difference between that and age-related Social Security.

>

> I need to talk to someone who can sit me down and take me through the

> differences (benefits and liabilities) of attempting to get SSD in the current

> political environment, and just taking early retirement at 62.

>

> Thanks, Dianne

>

> __________________________________________________

>

[Guest guest]

I retired from the State of CA in 1995. And then in 1997 I got my S.S.

Disability

Retirement but was credited for 1996. And because I had already been retired one

year I

started with one lump sum. If you apply for a disability retirement, one thing,

be sure

to go to their doctor. You won't even have a chance otherwise.

I would suggest going to your local Social Security Office to find out the

latest info.

ml

Kore wrote:

>

> Hi ML,

>

> When you say you retired, are you talking about Social Security Disability?

> There's a difference between that and age-related Social Security.

>

> I need to talk to someone who can sit me down and take me through the

> differences (benefits and liabilities) of attempting to get SSD in the current

> political environment, and just taking early retirement at 62.

>

> Thanks, Dianne

>

> __________________________________________________

>

[Guest guest]

Dianne wrote:

Hi all,

Is anyone using Oxford for their supplemental insurance while on Medicare? I'm

not sure whether it's restricted to the Northeast or not, it may be.

Also, I've decided to take early retirement. If anyone else has done this,

when

did you become eligible for Medicare, at 65 or earlier?

Dianne - I retired at 62 because of major surgery and the inability to work. I

should have gone the disability route, but I did not know that then. You cannot

get medicare until you are 65. Until then you are on your own except for 18

months of COBRA - which is not free and is not great. I am 67 now so have

medicare and Anthem as my supplemental. It is very expensive for medical

insurance when you retire early.

Barb in NH

[Guest guest]

Dianne wrote:

Hi all,

Is anyone using Oxford for their supplemental insurance while on Medicare? I'm

not sure whether it's restricted to the Northeast or not, it may be.

Also, I've decided to take early retirement. If anyone else has done this,

when

did you become eligible for Medicare, at 65 or earlier?

Dianne - I retired at 62 because of major surgery and the inability to work. I

should have gone the disability route, but I did not know that then. You cannot

get medicare until you are 65. Until then you are on your own except for 18

months of COBRA - which is not free and is not great. I am 67 now so have

medicare and Anthem as my supplemental. It is very expensive for medical

insurance when you retire early.

Barb in NH

[Guest guest]

PS, I also was advised when I retired from the State to apply for a regular

retirement

and a medical retirement from the State, I got $50 more a month by getting a

medical

retirement. And I only had to have one year after retirement to get Medicare and

was 60

as I mentioned before when I qualified for a SS disability retirement, not SSI.

Lots of

good luck Dianne.

ml

ml wrote:

>

> I got SS at age 61 on a medical retirement.

> ml

>

> Helen Mueller wrote:

> >

> > You know, with the change in full retirement age, Medicare may not begin

> > until you reach that age. Before, regardless of when you began SS, you

> > did not get Medicare until 65.

> >

> > Didn't Hal Lamster have Oxford at one time?

> >

> > Helen

> >

> >

[Guest guest]

I retired early @63 3/4, & took COBRA. COBRA is nothing but a Federal law

that guarantees coverage, it has nothing to do with what that coverage is. The

COBRA insurance is the exactly the same as what I had when working (there are

no other options), but now I have to pay the " WHOLE COST " !, & that's pretty

staggering! While working, the company (in most cases) pays the major part of

the cost & the employee the rest, so we tend to think insurance is

deceptively cheap, but don't see the whole picture.

On COBRA, it's costing us $900/month for health insurance, but it's still

the good coverage that I had while working. I'll be 65 & qualify for medicare

before COBRA runs-out, but my wife will have about 3 months to need private

insurance between the end of COBRA & Medicare. Not looking forward to that

search.

, T2, dx'ed 4/98, controlling with LC & Supplements

Average fasting bg 100mg/dl, last HbA1c 5.6%

>>>>>>>>>>>>>>>>>>>>

Dianne - I retired at 62 because of major surgery and the inability to work.

I should have gone the disability route, but I did not know that then. You

cannot get medicare until you are 65. Until then you are on your own except

for 18 months of COBRA - which is not free and is not great. I am 67 now so

have medicare and Anthem as my supplemental. It is very expensive for medical

insurance when you retire early.

Barb in NH

[Guest guest]

Just curious---How can " diabetes " be a disabling condition when it can be

controlled by one method or another? Yes, if you are insulin-dependent, I

believe you can't be a airline pilot, train engineer or commercial truck driver

(probably other jobs too), but does that mean not working at all?

I may not understand " disability " in this context. Does it mean that you can

no longer work at your particular job, or at " any job " ?

Just trying to understand.

Thanks,

, T2, dx'ed 4/98, etc.................

>>>>>>>>>>>>>>>>>>>>>>

can you get SSI if you did not work long enough to qualify and your

Disability is diabetes

[Guest guest]

Yes you can, the SSI is there for those who become disabled and didn't work

more than 60 months throughout life. But be fare warned, the SSI income is

just over $500 a month :-(

Tommie

_____

From: LCB

Sent: Friday, February 25, 2005 8:35 PM

To: diabetes_int

Subject: Re: Supplemental Medicare Insurance: Oxford

* can you get SSI if you did not work long enough to qualify and

your

Disability is diabetes

Tommie wrote:

> Hi Dianne,

>

>

>

> I am on SSDI.. I don't believe there is any difference in age related

> Social

> Security and Disability. There is a difference in SSI and SSDI though. SSI

> is what you get, if you qualify, when you didn't work a total of 60 months

> throughout your life. SSDI is when you did work more than 60 months

> and paid

> into SS. Also on SSI you do not qualify for Medicare, but are entitled to

> Medicaid if you meet the State's requirements.

>

>

>

..

[Guest guest]

Jan, Disability income from SS is a percentage of all the money you made in

your life. And yes with you working and living in CA, you'd get more than

what I do in Oklahoma because the pay rates in CA are a lot higher. I tell

everyone if I'd known I would get sick at the age of 31, I would have lived

and worked in CA where the wages are higher and then move to Oklahoma. Lol

I'd feel rich!!

Tommie

Not sure how it is figured. But I still t hink disability is good.

Jan

_____

* .

[Guest guest]

You're welcome Diane and hugs on the Fibro. It is so very painful. I've been

battling it for 10 yrs now and it just seems to get worse and worse. Or

maybe I have something else going on but doc thinks its just the Fibro. I

have the worst time with my legs :-(

Good luck,

Tommie

_____

From: Kore

Sent: Friday, February 25, 2005 9:10 PM

To: diabetes_int

Subject: RE: Supplemental Medicare Insurance: Oxford

* Thanks, Tommie,

This is a lot of valuable information and I appreciate it very much. I know

I

have Fibro and suspect that I may have Chronic fatigue as well. Lately I can

hardly stay awake.

Hugs, Dianne

__________________________________________________.