Can i Enroll in Medicare along With Social Security Retirement Benefits at age 62?

The fact that a federal employee took early retirement and claimed their Social Security benefits at the age of 62 doesn’t reduce the minimum age criteria, i.e. 65 years, for their Medicare. Any early claim will not be entertained based on the age of the federal retirees. Therefore, if you are planning to take early Social Security benefits at the age of 62 years then you need to plan and avail any third-party insurance for the next three years. No federal employee except the ones qualified under Social Security Disability Insurance can enroll in Medicare before the age of 65 years.

The early claim of the Social Security payments even reduces the respective benefits of such federal employees by 20-30% and for full benefits the federal employees have to continue till the age of 65 years. The federal employee has to be suffering from any qualified disability under Social Security to claim early benefit of Medicare.

When to enroll in Medicare after claiming Social Security benefits for retirees?

The Social Security Administration supervises implementation of the Medicare plan for the eligible federal retirees. Medicare is intended for federal retirees who have attained the age of 65 years and the benefits are initiated three months prior to the 65^th birthday month of the associated federal retiree. Here the only exception is the federal employees that have qualified for the Social Security Disability Insurance as it is granted not due age but disability that can occur at any age. Therefore, the federal employees who have been receiving SSDI benefits for 24 months will be automatically enrolled under the Medicare program. Other than this no federal employee can claim Medicare benefits before the age of 65 years. The age of retirement or early claiming of Social Security benefits doesn’t affect the enrollment of Medicare and it is advised to opt for any health insurance which will continue to be treated as primary insurance coverage even after Medicare is availed.

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The enrollment under Medicare can be done during the window of seven months i.e. within three months before the birthday month, during the birthday month or within three months after the birthday month. Early enrollment under Medicare is only possible under specific circumstances which entail any qualified disability or medical condition that is recognized under disability by the SSA. Further, that federal employee whose spouse or parent has enrolled under Medicare then such federal employee can claim Medicare benefits as a dependent. The coverage of Medicare for the SSDI recipients begins after 24 months of such continued reception of payments. In the 22^nd month under SSDI, the automatic enrollment will be initiated under Medicare and coverage begins from the 25^th month. However, if such a federal employee has been observing a disability freeze in case of an occupational disability then the Medicare coverage begins from the 30th month.

Medicare for Social Security Recipients Overview Details

Title	Medicare for Social Security Recipientsat age 62
Country	The United States of America
Program	Medicare
Agency	The Social Security Administration
Beneficiary	Federal Retirees
Minimum Age	65 years
Benefits	Inpatient expenses covered under Medicare
For additional details	www.cms.gov

What are the eligibility criteria for non-federal employees to enroll in Medicare?

The enrollment in Medicare is subject to already being registered in the Social Security programs but for those who aren’t can also apply for Medicare. The applicant needs:

• to be a US citizen or a legally permitted alien resident in the US who has resided within US territories for at least 5 years;
• to have a registered address within the U.S. territories;
• stop contributions towards their Health Savings Account, if any. Although the funds already contributed in the HAS can be utilized even after enrolling in the Medicare.

Which medical conditions enable early enrollment in Medicare?

If the federal employee is qualified as a person with disability or occupational disability then such person can claim early enrollment in Medicare. There are certain medical conditions that are identified as specific health conditions that allows a federal employee to enroll early in the Medicare, these are:

Amyotrophic Lateral Sclerosis

This is also referred to as Lou Gehrig’s Disease and is in general known as ALS. If a federal employee is diagnosed with this disease then it qualifies under the SSDI program which intron will substantiate the Medicare enrollment after 24 months;

End Stage Renal Disease

This is usually known as ESRD which indicates a kidney disease that is at the end of life-cycle and at this stage no medical cure is possible. Inpatient treatment with regular dialysis and eventually kidney transplant is the only remedy. In such a medical condition, immediate Medicare assistance is required so the federal employee can claim it.

When does a relationship qualification allow early enrollment in Medicare?

The spouse and dependent children of the Medicare recipient can also claim benefits, given the fact that such a dependent child has to be also a person of disability whereas the spouse needs to be aged below 65 years. Such a spouse or dependent child can claim Medicare when the qualified recipient has already received their respective SSDI payments for 24 months.

All You know

It is quite evident that the enrollment in Medicare is strictly associated with attaining the age of 65 years. However, with regards to specific medical conditions and disabilities, Medicare can be claimed even before the age of 65 years. Despite this fact, those federal employees that don’t have any disability and are only opting to get their Social Security benefits early at the age of 62 years can’t enroll early in Medicare. Thus, such early federal retirees have to opt for private healthcare insurance and wait till the age of 65 years to get enrolled in Medicare.

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