Employers don't insure employees that are over 65?

-This can't be true. Explain fully.Employers can keep their employees on their plan no matter how old they get. Once they turn 65 they automatically receive Part A. If the group policy is greater than or equal to 20 lives the group policy is primary and Medicare is secondary and the employee can delay receiving Part B. If the group policy is fewer than 20 lives then Medicare becomes primary, the group secondary, and the employee must enroll in Part B. In this case it is often more cost effective to the employee to drop the group policy.



All employees of the same employee class will get the same policy. Medicare regulations are the same for anyone no matter their class. However, some executives may have a completely different insurance policy so it is possible the sweeper could get their benefits cut while a manager doesn't.
Not sure where you heard that. It's not true. Employers cover over 65 employees. When a person turns 65 they automatically are covered by Medicare Part-A. They can also sign up for Medicare Part-B at that time OR at the time they retire from the job that gives them full medical....even if they're 80 years old.



That being said, if I owned a small business I would make it worthwhile for the over 65 employee to drop the group plan, sign up for Part-B and get a Medicare Supplement policy that I'd offer to pay for. Over 65 employees jack up the rates big time for the entire group (this is more heavily weighted for smaller companies - where the percentage over 65 can be greater).





P.S. I gave Fanny a thumbs down just for the "statue book" comment. I read that book....it told me about the Statue of Liberty, Statue of David, Statue of George Washington, etc....
That's bollocks darling.



The Employers Liability (Compulsory Insurances) Act 1969 makes no distinction by age so anyone not insuring fully under its terms would be breaking the law and liable to criminal proceedings.



I don't know why >3 people have thumbs downed me - if you go and read the statute book you'll see I'm right.



I have corrected the statue book to the statute book in view of the hilarious comment made by Insurance Pickle.
If employees meet all other eligibility requirements, the employee over age 65 can remain on health insurance. The group plan will be the first insurance and medicare will be second.



For life insurance or other supplemental plans (SDI, LTD, AD&D, etc) often their are reduced benefits as the person ages. For example: at age 65 the employee only gets 50% of the prior insurance.
Most employers cannot insure employees over 65 who refuse to get medicare.



Employees over 65 who get medicare can receive some benefits from the employers health insurance company, but only for things that medicare will not cover, and only if the employee does not medicare.
65 is when the employee becomes eligible for Federal Medicare. The employer no longer will spend money for insurance premiums for an elderly employee when that employee can get public assistance from Medicare.
No that is not accurate. If employee is in a group plan he may be required by the insurance company to also enroll in Medicare when he turns 65 and still working.