How do SSI or Railroad benefits affect Medicare eligibility for those under 65?

Individuals under 65 who receive Social Security Insurance (SSI) or Railroad Retirement benefits may qualify for Medicare after a two-year waiting period from the time they begin receiving these benefits. This waiting period is integral to the system and allows Medicare to provide health insurance to those whose disabilities are expected to last for a significant amount of time.

When someone is eligible for SSI due to a disabling condition, they automatically qualify for Medicare coverage after this two-year mark. Similarly, individuals receiving Railroad Retirement benefits who meet certain disability criteria will experience the same two-year waiting period before Medicare eligibility begins.

The options related to immediate access and eligibility after one year do not align with the established regulations regarding Medicare for those under 65. Additionally, while income can impact eligibility for SSI, it does not selectively determine Medicare eligibility in the manner suggested in the other choices.