I was approved for SSD, February 7,2006, effective March 15, 2004 and I thought that, once I have been deemed disabled for a two year period, I automatically would qualify for Medicare. What I am now being told is that there is a waiting period of 5 months after I begin receiving my disability pay. When will I actually be able to be covered under Medicare? I am currently on Cobra, which is costing me more than I can afford since I am on a limited income of LTD from my last company and need Medicare asap. Thank you. Zoe