Retiring Before Age 65

Persons who retire before age 65 must usually take certain steps regarding their prescription drug insurance coverage.

Persons covered by a private plan before retiring

Persons who were covered by a private plan must remain covered by that plan when they retire if the employer offers them that possibility.

Those who were covered by a private plan through employment must find out from their employer whether they have the option of retaining their private plan coverage when they retire. If they do, they must remain registered for the private plan.

Persons whose employer does not offer private plan coverage to its retired employees must determine whether they are eligible for a private plan through another means. For example, some persons are eligible for a private plan through their spouse. In fact, persons who are covered by a private plan are required to obtain coverage under it for their spouse. They can also be eligible for this type of plan through membership in a professional order or association to which they belong.

Persons who are not eligible for a private plan when they retire must register for the public plan by contacting the Régie.

Persons covered by the public plan before retiring

Persons who are covered by the public plan when they retire remain covered by that plan. They therefore have no steps to take.