My sister "L" is 57 years old and has been an educator for 25 years. At 55 she began treatment for stage 1 cancer. L has long term disability coverage and used it. At 57 she was diagnoised stage 4. Her disability income is expected to terminate soon. The insurance option for retired persons under 65 is very expensive. L is afraid she won't be ble to continue her treatments. Can she qualify for social security or medicare before 65? Help.