Casper: that is correct, you can opt for early SS retirement at 62, for a lesser monthly amount, but Medicare doesn't kick in till you are 65. If you wait till you are 65, your monthly income is higher, and you qualify for immediate Medicare.
When I was put on SS disability, I was able to get Medicare effective immediately, because I had already served the one year wait that is normally required on SSD.
Here is some additional information. Due to severe arthritis (from head to toe & everywhere in between), I was granted SS Disability in 2010 at the age of 60. I was 59 when I first applied &
opened my case. When you go on Disability, your monthly SS benefits are the same amount as if you went on full SS at the age of 65. So, if you should be granted SSD, you will actually NOT receive a lesser amount.
As for Medicare, my claim was already one year old when I won my Disability hearing and, after one year of receiving benefits, these two yearly periods combined to give me the 2 year period before Disability automatically places a person on Medicare.
I really lucked out because I went on Medicare a month after being dx'd with PC and one two months prior to my da Vinci. It saved me a lot of money and enabled me to go to a major medical facility for treatment.
I hope & pray the same for you if it would help your situation.
Resident of Highland, Indiana just outside of Chicago, IL.
July 2011 local PSA lab reading 6.41 (from 4.1 in 2009). Mayo Clinic PSA Sept. 2011 was 5.7.
Local urologist DRE revealed significant BPH, but no lumps.
PCa Dx Aug. 2011 at age of 61.
Biopsy revealed adenocarcinoma in 3 of 20 cores (one 5%, two 20%). T2C.
Gleason score 3+3=6.
CT of abdomen, bone scan both negative.
DaVinci prostatectomy 11/1/11 at Mayo Clinic (Rochester, MN), nerve sparing, age 62.
My surgeon was Dr. Matthew Tollefson, who I highly recommend.
Final pathology shows tumor confined to prostate.
5 lymph nodes, seminal vesicles, extraprostatic soft tissue all negative.
1.0 x 0.6 x 0.6 cm mass involving right posterior inferior,
right posterior apex & left mid posterior prostate.
Right posterior apex margin involved by tumor over a 0.2 cm length, doctor says this is insignificant.
Prostate 98.3 grams, tumor 2 grams. Prostate size 5.0 x 4.7 x 4.5 cm.
Abdominal drain removed the morning after surgery.
Catheter out in 7 days. No incontinence, occasional minor dripping.
Post-op exams 2/13/12, 9/10/12, PSA <0.1. PSA tests now annual.
Semi-firm erections now happening 14 months post-op & VERY slowly getting a bit stronger.