If receiving benefits due to occupational disability and the person has not been granted a disability freeze, he or she is generally eligible for Medicare at age 65. If entitled to monthly railroad retirement benefits based on an occupational disability, and the individual has been granted a disability freeze, he or she is eligible for Medicare starting with the 30th month after the freeze date or, if later, the 25th month after he or she became entitled to monthly benefits. There is no 24-month waiting period for those who have ALS (Amyotrophic Lateral Sclerosis), also known as Lou Gehrig’s disease. Although the age requirements for some unreduced railroad retirement benefits have risen, just like the social security requirements, beneficiaries are still eligible for Medicare at age 65.Ĭoverage before age 65 is available for disabled employee annuitants who have been entitled to monthly benefits based on total disability for at least 24 months and have a disability insured status under social security law. The following questions and answers provide basic information on Medicare eligibility and coverage, as well as other information on the Medicare program.Īll railroad retirement beneficiaries age 65 or over and other persons who are directly or potentially eligible for railroad retirement benefits are covered by the program. Medicare Part D (Medicare prescription drug coverage) offers voluntary insurance coverage for prescription drugs through Medicare prescription drug plans and other health plan options.Medicare Advantage Plans are managed by private insurance companies approved by Medicare. It combines Part A, Part B, and sometimes, Part D (prescription drug) coverage. Medicare Part C (Medicare Advantage Plans) is another way to get Medicare benefits.Part B is financed by premiums paid by participants and by Federal general revenue funds. Part B also helps cover some preventive services. Medicare Part B (medical insurance) helps pay for medically-necessary services like doctors’ services and outpatient care.Part A is financed through payroll taxes paid by employees and employers. Medicare Part A (hospital insurance) helps pay for inpatient care in hospitals and skilled nursing facilities (following a hospital stay), some home health care services, and hospice care.The Federal Medicare program provides hospital and medical insurance protection for railroad workers and their families, just as it does for workers under social security.
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