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Real members of MyBCTeam have posted questions and answers that support our community guidelines, and should not be taken as medical advice. Looking for the latest medically reviewed content by doctors and experts? Visit our resource section.

Thinking about "retiring" early and using disability. My official retirement isn't until 2033. Not sure what to ask. Does Medicare cover all the meds? Thanks for any advice.

March 25, 2025
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A MyBCTeam Member

One of the things that my lawyer friend Abigail always says is contact your HR department. Don't tell them that you are sick or thinking of leaving just let them know that you are interested in your resources. Does your work have any kind of long or short term disability? I didn't have any resources through work so other than having my disability processing delayed because of issues with Indiana I worked until I got Medicaid and then I quit. I could only do that because I made very little money where I was working. Medicaid has some kind of waiting requirement between when you quit work and when you can start getting Medicaid. I'm fuzzy on all that.
I was never so relieved as when I quit working. I had been severely ill with side effects and it was hard on me and my boss because of how frequently I was calling in. Disability is a portion of what you have been paid throughout the years you have worked. If you can afford it I would do it. I have never regretted it. I thought I would miss my job terribly but I have found many more places to put my skills and I have lots more time to relax when I need to, juggle all my cancer details plus everything else. It really is a good decision, in my book just make absolutely sure you kno what your choices are.

March 25, 2025
A MyBCTeam Member

Do you know about Triage Cancer and Project Life has two legal clinics a month I think.

March 26, 2025
MyBCTeam

If you have worked jobs where you paid into Social Security and cannot work due to breast cancer, you may qualify for disability benefits. Stage 4 breast cancer typically qualifies for a "compassionate allowance" which can speed up the disability application process. Once approved for disability, you become eligible for Show Full Answer

If you have worked jobs where you paid into Social Security and cannot work due to breast cancer, you may qualify for disability benefits. Stage 4 breast cancer typically qualifies for a "compassionate allowance" which can speed up the disability application process. Once approved for disability, you become eligible for Medicare even if you're under 65. Regarding medication coverage - Medicare Part D provides prescription drug coverage, but it is limited. You'll want to enroll in a prescription drug plan through Medicare Part D and can compare different plans on Medicare.gov. Many cancer treatment centers have patient advocates who can help navigate Medicare to ensure you get the coverage you need for your medications. Before making your decision, consider speaking with your HR department about your options and consulting a social worker through your doctor's office. They can help explain your rights regarding reasonable accommodations, short-term disability, and FMLA leave which allows up to 12 weeks off annually for medical conditions at qualifying employers.

March 25, 2025
A MyBCTeam Member

@A MyBCTeam Member

Can you mention qualifications for earlier SSI with BC and stage 4?

March 25, 2025

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