Working individuals age 65 or over must typically have which requirement fulfilled?

The correct answer is that working individuals age 65 or over must typically be offered the same health benefits as younger employees. This principle is rooted in anti-discrimination laws that prohibit age-based discrimination in employer-sponsored health plans. Under the Age Discrimination in Employment Act (ADEA), as well as many provisions of the Affordable Care Act (ACA), individuals of all ages should receive equal treatment when it comes to health benefits.

This ensures that older employees are not disadvantaged or denied access to health benefits simply because of their age. Employers are required to maintain the same standards for health insurance offerings regardless of age, promoting fairness and equality in the workplace.

While some older individuals may be covered by Medicare, this choice does not negate the requirement for them to be offered the same health benefits by their employer. Additionally, it is not mandatory for older employees to be covered exclusively by Medicare or to have a Medicare supplement policy in lieu of employer-sponsored coverage. The premium structure is also designed to avoid discrimination based on age, meaning older employees should not automatically face higher premiums compared to their younger counterparts.