Chartered Retirement Planning Counselor (CRPC) Practice Exam 2025 - Free CRPC Practice Questions and Study Guide

Question: 1 / 660

What must most recipients of Medicare Part A have done to qualify for it without a premium?

Worked in covered employment for at least 25 quarters

Worked in covered employment for at least 30 quarters

Worked in covered employment for at least 40 quarters

To qualify for Medicare Part A without having to pay a premium, individuals typically must have worked in covered employment for at least 40 quarters, which translates to 10 years. This requirement is designed to ensure that recipients have contributed significantly to the Medicare system through payroll taxes during their working years. By accumulating these 40 quarters, individuals and their spouses become eligible for premium-free Medicare Part A when they turn 65 or if they meet other specific qualifications, such as having certain disabilities or conditions.

This policy reflects the nature of Medicare as a social insurance program, aiming to provide benefits to those who have financially supported the system over time. For those who haven’t completed this requirement, premiums would apply or they would have to explore alternative pathways for obtaining Medicare coverage.

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Never worked in covered employment

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