Medicare Eligibility

Medicare Eligibility

There are some criteria that you must meet for you to be eligible or qualified for the Medicare program:

  • You are 65 or older.
  • You are a citizen of the United States. 
  • You have lived in the United States for five years or more, under a permanent legal residency status.
  • You or your partner is an employee of the United States government. You are a retired employee who has not paid into Social Security but has settled their Medicare payroll in their employment.
  • If you are befitting from Social Security Benefits or are eligible for such benefits based on the length of time you have worked.

If you are under 65, you may also be eligible for Medicare if you fall under one of the following:

Under 65 With a Disability

If you are not yet 65, but you have a disability, you may be eligible for Medicare. Social Security has defined disabilities that qualify for Medicare to mean:

  • You are incapable of doing some level of work as a result of your health and medical condition.
  • This medical condition can trigger complications that would lead to your death. Additionally, you must have had it for around one year or more.

If you fall under any of the categories mentioned, you would automatically be a beneficiary under Original Medicare. 

If you have Amyotrophic Lateral Sclerosis (ALS) (which is also known as Lou Gehrig’s disease), your coverage would not require the usual waiting period of 24 months. This period does not need to be consecutive.

Under 65 With End-Stage Renal Disease

End-Stage Renal Disease is a condition where you require dialysis or a kidney transplant. To activate this coverage’s commencement, kidney-dialysis-related treatment or a kidney transplant must have happened after three months of regular dialysis.

Under 65 and Working

If you have been getting disability and Medicare, but you decide to return to work, you may have the option to get Medicare through the Trial Work Period (TWP), enabling you to continue to have Medicare coverage for up to 9 months after you have gone back to work. If you can continue to work after this work period, your Medicare and disability coverage will come to an end. Suppose that you still need coverage after this Trial Work Period. In that case, the eligibility period may be extended from the 9-month period for TWP to 93 months. Continuous disability after 93 months would grant you an indefinite extension, which may mean that you would receive Medicare coverage forever.

If you are looking to learn more about your eligibility for Medicare, contact Eldridge Agency at (775) 328-1197 today.