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Extended Medicare Coverage for Working People with Disabilities:

Under the Ticket to Work and Work Incentives Improvement Act, a special law allows working Medicare Beneficiaries to keep their Medicare coverage for at least 93 months (7 years, nine months) after they complete their Trial Work Period when they return to work.

How it Helps You:

If you are a Medicare beneficiary, if you continue to have a disability as defined by the Social Security Administration, and you return to work, you can keep your Medicare coverage for at least 8 and 1/2 years after you return to work.

During this Extended Medicare Coverage, you will receive Medicare Part A (premium-free hospital insurance) and Medicare Part B (elected medical insurance coverage).

How it Works:

This change in the law was effective on October 2000. It applies to you if you are:

  • Just starting work,

  • Using Trial Work Period months right now,

  • Have used up your Trial Work Period and are currently in your 36 months Extended Period of Eligibility,

  • Have not completed the 36 months Extended Period of Eligibility before 6/1/2000.

Exactly when the Extended Medicare Coverage incentive begins is determined by when you consistently reach Substantial Gainful Activity.

Your local Social Security Office can tell you exactly how many months of extended Medicare coverage are available to you.


The Disability Benefits and Work website was funded by the Medicaid Infrastructure Grant (CFDA # 93.768)

This site is intended for informational purposes only. Individual situations vary widely and must be evaluated on an individual basis by Division of Family Resources eligibility caseworkers, or Social Security Claims Representatives and/or Indiana Works-Community Works Incentive Coordinators. Links from this site are provided to help people research various topics and do not constitute endorsements by the State of Indiana or its partners.