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Old 02-27-2012, 08:43 PM
Location: Dover, DE
1,715 posts, read 3,666,283 times
Reputation: 2317


My husband received a rather curious letter from our insurance company. First, let me say that I lost my job last July and we are now on COBRA. We tried to get an individual policy but because my husband has sleep apnea, he couldn't get approved, so we had to go with the COBRA.

Anyway, a week or so ago, he received a letter from the insurance company actually encouraging him to apply for disability. It basically said that if he was on disability then he could apply for early Medicare and get "better and more services" through them. Then several days later they actually called him to follow up.

There is no way that he would be approved for disability, so he isn't going to waste his time. But why would an insurance company actually encourage someone to try for disability when they don't qualify? Is this some kind of ploy for them to get paid more? Although I can't imagine that they would get more money from Medicare than we are paying for our COBRA!! I can't imagine that this is even legal.
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Old 02-27-2012, 10:55 PM
Location: Mostly in my head
19,641 posts, read 53,545,549 times
Reputation: 18559
He would be off them. Medicate is always primary.

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