I was disabled in from 1991 until 1997 from a car accident. Headache 24/7 during all those years, until I was able to find the help I needed to pretty much get rid of the headache with only maintenance chiro visits with a Chiro specialist in the NUCCA technique. Applied for SSD in 1992 & got it after one appeal in front of the judge, this in Iowa. When I went off of SSD because I went back to work, I still kept receiving SSD, the full amount, for 9 months. I was also receiving Medicare, I did not buy the B coverage as I was on a policy thru the man I was married to at that time. They kept me on Medicare even after I was off of SSD. All I had was the free part of Medicare, part A. They kept extending it. I was still on it when I applied in 2004 again for SSD because of RSD & I received it 6 months after with no denial of any kind. I was really surprised because what I am disabled for now has nothing to do with the original reason I was disabled. I sent in all the info requested.

The biggest problem I had was I had convince them that when I had turned down Medicare part B I had good coverage & that now I no longer had any coverage. What ever I said they let me buy it & that was 9 months before Part D became available so I wasn't penalized.

Debby