[Sheila]

Mike
I do know that since I am already covered by my husbands insurance , when I went on disability, and then Medicare, the Medicare was secondary. I paid for the Medicare premium out of my Social Security Disability check, but it rarely ever paid anything, as my husbands insurance paid first. Tne cost was a couple hundred a month, so I dropped the part you pay for and kept the part for free that cover hospitalization. Imwent on disability original from my company when I was no longer able to work. then after 6 months, I had to apply for SSD, and I have been on it ever since. I have never felt guilty, Impaid into it for many years when I worked, and I would much rather be working!!!! You probably need to talk to the SSD office, and see if they woulday retro on anything. if I remember correctly, you had to be off work 6 months to qualify for disability, and a year to qualify for Medicare....hope this info helped