Three ways to get Medicare before Age 65
You have End Stage Renal Disease
You have Lou Gehrig’s Disease
You have received SSDI for 24 consecutive months
(he’ll be 65 before that happens)
Wife … Age 66 … Still
working
They need her Group Health Plan
Wants to retire NOW to take care of him
OUR
RECOMMENDATION
She retires now ... Gets her health insurance through Medicare
He stays on her group health plan under COBRA (OK with her employer)
He'll have to pay the full single employee
premium
A portion of his SSDI will pay for the COBRA coverage
He then moves to Medicare at Age 65
