The Plan is the primary payer for:
An active employee or employee's dependent spouse or child with ESRD during the first 30 months of Medicare eligibility solely by reason of ESRD (Medicare is primary after the first 30 months).
A retiree, surviving spouse, or retiree's or surviving spouse's dependent spouse or child under age 65 with ESRD during the first 30 months of Medicare eligibility.
Medicare is the primary payer for:
An active employee or employee's dependent spouse or child with ESRD after the first 30 months of Medicare eligibility solely by reason of ESRD.
A retired employee, surviving spouse, or dependent of a retired employee or surviving spouse who is under age 65 with ESRD after the first 30 months of Medicare eligibility.
If the participant does not elect Medicare Part A and B, benefits will be reduced as though Medicare is the primary payer. The Plan will calculate benefits assuming the participant has Medicare Part A and B.