I was just approved on June 29th for SSDI. My Medicare would have gone into effect in February. Now, I wasn't approved in February but I have to pay back Medicare premiums back to February. I told the rep that wasn't right - I couldn't use it in February, March, April and June - why would I have to pay for it. She said that it didn't seem right but that was the way it was. I guess I should be glad to have SSDI now but I'm mad about having to pay $450 for absolutely nothing. I feel sorry for anyone having to wait much more than two years because they will take those Medicare premiums out of your back pay. And since it's the gov., we can't do anything about it.