Coverage provided by The McGraw-Hill Companies ends when you or your covered dependent (such as a spouse) become eligible for Medicare. Medicare-eligible retirees and covered dependents should enroll in a Medicare plan for their medical coverage.

Coverage is based on the age of the covered participant, not just the retiree. If you are 62 and your covered dependent is 67, you will each have different coverage. You will have access to The McGraw-Hill Companies medical options outlined above. Once you turn 65 and become Medicare-eligible, coverage from the Corporation ends. Since your covered dependent is eligible for Medicare, he or she will participate in a Medicare plan for his or her medical coverage.

If you are 65 or over when you retire, or if your covered dependent (such as a spouse) is Medicare-eligible when you retire, Medicare is the only option available for the participant aged 65 or older.