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Early Medicare with Occupational Disability Annuity
(Posted August 22, 2004)
Question 506: Is it possible to get early Medicare coverage with an Occupational Disability Annuity?
Answer: Yes, if you are disabled enough to meet the Social Security Administration's criteria for a disability (basically, that you are disabled from being able to perform any work activity). In that case, you become eligible for Medicare coverage after two years.
The Railroad Retirement Administration classifies a worker as being disabled for purposes of Occupational Disability if he or she is unable to perform the job he or she was doing for the railroad (even if the disability is not severe enough to be disabled from being able to perform any work activity).
So many-- but not all-- workers with an Occupational Disability Annuity will qualify for Medicare after receiving payments for two full years.
If you have questions about your eligibility for early Medicare, you can ask the Railroad Retirement Board if they think your condition will qualify you for Medicare. That decision will be made by the Social Security Administration, however.
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