How to Qualify for Medicare Under 65
- 1). Get diagnosed with amyotrophic lateral sclerosis, also known as Lou Gehrig's disease, in order to qualify for Medicare before the age of 65 years.
- 2). Be a disability beneficiary for at least 24 months prior to qualifying for Medicare.
- 3). Complete the work requirements to qualify for early Medicare. Those who have worked for a long enough period in a federal, state or local government position will meet the requirements set forth by the Social Security disability program (see Resources below).
- 4). Qualify to receive a disability annuity from the Railroad Retirement Board. Those who meet this criterion will be eligible for Medicare hospital insurance after a predetermined waiting period (see Resources below).
- 5). Be a disabled widow or widower under the age of 65; a disabled divorced widow or widower under the age of 65; or a disabled child. In most cases, eligibility follows a 24-month waiting period.
- 6). Meet the criteria for a diagnosis of permanent kidney failure. Medicare allows for special rules for those who receive maintenance dialysis or a kidney transplant, but to qualify you must be insured or receive monthly benefits from Social Security or the RRS, or have worked in a government position for a length of time required to be insured for Medicare.
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