Spondylitis Association of America Forums General Discussion Questions About USA Social Security Disability Benefits General Questions about SDI

I know this is late from the date of your initial posting but will share what I know and maybe help others.
It is true that one must be on SS Disability for two years before being eligible for Medicare.
A spouse who is disabled can still be on the working spouses insurance which will be considered the primary insurance and Medicare will be considered secondary.
If a person is receiving Medicare and is also on another policy (not a Supplimental) the Medicare will ALWAYS be considered secondary.

In my case, my employer had Long Term Disability insurance and I was also eligible to continue my employers group insurance under COBRA. This is usually very expensive but luckily our LTD policy subsidized $1200 a month for the COBRA.