How Does Employer Coverage Work With Disability Medicare?
For disability-based Medicare (under 65), the employer plan is primary if the employer has 100 or more employees. Medicare is primary if the employer has fewer than 100 employees.
Frequently Asked Questions
- Why is the threshold 100 employees instead of 20?
- Medicare uses different coordination rules for disability vs. age-based eligibility. The 100-employee threshold applies to disability; the 20-employee threshold applies to age 65+.
- What if I work for a small company with disability Medicare?
- If the employer has fewer than 100 employees, Medicare pays first. Make sure you're enrolled in both Part A and Part B.
- Does this change when I turn 65?
- Yes. At 65, the standard 20-employee rule applies instead of the 100-employee rule.