Long Term Care Certification Practice Test

Which of the following is NOT eligible for Medicare?

1. A 62-year-old individual who decides to retire early

2. A person suffering from a terminal illness

3. A 45-year-old with a disability

4. A 70-year-old receiving social security benefits

The correct answer is: A 62-year-old individual who decides to retire early

Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as for some younger people with disabilities or specific medical conditions, such as end-stage renal disease or amyotrophic lateral sclerosis (ALS). In the case of the 62-year-old individual who decides to retire early, this person does not meet the age requirement for Medicare eligibility, which starts at 65. Early retirement does not automatically qualify an individual for Medicare, as they must generally wait until they reach the age threshold. Conversely, the individual suffering from a terminal illness could qualify for Medicare under certain circumstances, particularly if they meet other eligibility criteria. The 45-year-old with a disability can also access Medicare after being entitled to Social Security Disability Insurance for at least 24 months. Lastly, the 70-year-old receiving social security benefits is eligible for Medicare, as anyone who is 65 or older is entitled to the program regardless of whether they are working or receiving social security benefits.