The Plan is the primary payer for an active employee, active employee's spouse, and active employee's dependent child that is also covered by Medicare. Medicare is the primary payer for a retired employee, surviving spouse, or dependent of a retired employee or surviving spouse who is:
Age 65 or older; or
Under age 65 with Social Security disability; or
Under age 65 with end-stage renal disease (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 A and B.