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U.S. Railroad Retirement Board
U.S. Railroad Retirement Board

 

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C. Waiting Period Requirement for Early Medicare Defined

 

 

 
  1. Home
  2. Employee Disability Benefits
  3. About Your Period of Disability ("Disability Freeze")
  4. C. Waiting Period Requirement for Early Medicare Defined
 
 

Topics

  • General Information
  • About Your Disability Annuity
  • About Your Period of Disability ("Disability Freeze")
    • How A Period Of Disability ("Disability Freeze") Can Help You
    • Eligibility Requirements for a Period of Disability ("Disability Freeze")
    • C. Waiting Period Requirement for Early Medicare Defined
    • When Your Period of Disability Can Begin
    • When Your Period of Disability Could End
  • Applying for Early Medicare Coverage
  • Events That Can Affect Your Disability Benefits
  • Glossary
C. Waiting Period Requirement for Early Medicare Defined

 

To meet this requirement, you must be permanently disabled for at least 5 full calendar months after the date you meet both the disability and earnings requirement before a period of disability may be awarded. Therefore, the waiting period always starts on the first day of the 6th month following the month you are rated disabled.

A waiting period is not required if a previous period of disability ended within 5 years of the month the current freeze began.

In addition, if you are applying for a period of disability after the disabling condition has ended, the freeze may be awarded only if the application was filed before the earliest of:

  • 12 months after the month age 65 is attained, or
  • 14 months after the month disability has ended.

 

‹ Eligibility Requirements for a Period of Disability ("Disability Freeze") | Up | When Your Period of Disability Can Begin ›

 

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U.S. Railroad Retirement Board
William O. Lipinski Federal Building
844 North Rush Street
Chicago, IL 60611-1275
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Last updated: 02/20/2026