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What is the Medicare Two-Year Waiting Period? Under current law, people living with disabilities must first receive Social Security Disability Insurance (SSDI) for 24 months before they are eligible for Medicare benefits. Millions of Americans who are caught in this waiting period are unable to work in order to remain on an employer-sponsored health plan, unable to afford COBRA coverage, and are ineligible for Medicaid. This leaves about 39 percent of these individuals without any form of coverage at some point during the 24-month period. Tragically, an estimated 4 percent die while waiting for Medicare coverage. How does Health Reform fit in? The Affordable Care Act (ACA) did not explicitly address the Medicare Two-Year Waiting Period,...Medicare Support Group