Employees age 65 or older are typically required to be offered the same group health benefits as younger employees.

• A. Not required
• B. True
• C. Only if retiree coverage is offered
• D. Only if the plan is grandfathered

Answer: (B)

The main idea is that group health plans must offer eligibility and coverage to all eligible employees without using age as a discriminator. Once someone reaches 65, they become Medicare eligible, but that doesn’t mean they can be treated differently for access to the group plan. In practice, Medicare often becomes the primary payer and the group plan coordinates as secondary, but employees 65 or older are still offered the same group health benefits on the same terms as younger employees.

The other options don’t fit because the rule isn’t dependent on retiree coverage or on whether a plan is grandfathered, and discounts or exclusions based on age aren’t the standard practice in group plans. Therefore, the statement is true.