Been Diagnosed With Early-Onset Alzheimer's? Make Plans For The Future Now
If you have been diagnosed with early-onset Alzheimer's, you know in the future you will not be able to make the right decisions. For this reason, you need to make plans now while you still can. Part of this is making sure your Alzheimer's needs are properly paid for, including medications, home care, and more. Below is some more information about this to help you get started.
Social Security Disability
Social Security disability will be available to you. This is because the Social Security Administration (SSA) has placed this disease under the Compassionate Allowance Initiative. This allows you to qualify for disability so your family will not suffer when they lose your income. The process of obtaining disability due to this disease may even be much quicker because of how quickly a person can succumb to the symptoms.
Your doctor can help you get qualified for this disability, as they can provide test results and other medical findings to support your claims.
Medicare
Once you reach the middle stages of Alzheimer's, you will need constant care as the disease progresses. Because of this, Medicare may be an option to cover some of the costs associated with caring for someone with early-onset Alzheimer's.
Before you are qualified you will have to go through extensive testing to show that you have this condition. These tests can become very expensive. To help you out, Medicare Part B will cover approximately 80 percent of this cost after you have reached your deductible.
If your doctor prescribes medication to help with your symptoms, Medicare Part D may help you pay for these drugs as long as they are on the approved drugs list. This can be a big help, as your medication may be very expensive.
You can also obtain Medicare Supplemental Insurance to cover what Medicare Part B does not cover. This insurance may also cover more medications that may not be on the approved list.
Medicare Special Needs Plans (SNP) is another option you have. SNP can take over where Medicare Part B and Part D may not cover.
All of this can get very confusing. You should make an appointment with the Social Security Administration in your area to go over all of these options with you in much more detail. This can help you develop a plan to keep your spouse and other family members protected. The last thing you want them to worry about is money. For further information on Medicare insurance plans, contact an insurance agency such as Veltkamp Agency Inc.
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