Actively working employees:
If your employee is age 65/ over or
if your employee is under age 65 with a spouse age 65 / over or
if your employee is age 65/older with disabled dependent under age 65 or
if your employee is age 65/older with a spouse age 65/over or
if your employee is age 65/older with a spouse under age 65
They all remain on an active plan. Do not enroll them in Medicare Plans with the town
RETIRED EMPLOYEE :
Retiree is Medicare eligible with Medicare A and B: Medicare plan
Retiree is Medicare eligible with a spouse not eligible for Medicare Medicare plan with spouse on
on individual active plan
Retiree is Medicare eligible with a Medicare eligible disabled spouse: Both on Medicare plans
Retiree is Medicare eligible with spouse that is Medicare eligible: Both on Medicare plans
Retiree is not Medicare eligible with a Medicare eligible spouse: Retiree on individual active plan and
spouse enrolls in a Medicare Plan
Retiree is Medicare eligible with a spouse and dependent child(ren). Can remain on family plan
Retiree is under age 65 with a Medicare eligible spouse and child(ren) Can remain on family plan
Medicare eligible disabled dependent children are also eligible for a Medicare plan if your employee is retired.
If retiree is on a family plan with more than 2 members and not all of them are eligible for Medicare, they can stay on a family plan.
However, the Medicare eligible members must enroll in Parts A and B of Medicare.
The MOST important thing to remember is that everything is based on your employee/retiree.
If your employee is actively working – no matter what the circumstance, no one is eligible for Medicare plans with the town/school.