TN 10 (03-04)
GN 01701.140 Entitlement to Hospital Insurance (HI) in Totalization Claims
U.S. and foreign coverage cannot be combined to establish entitlement to premium-free HI. However, the fact that a beneficiary is receiving a Totalization benefit does not preclude him or her from qualifying for premium-free HI under certain circumstances. Entitlement to premium-free HI may be established if the Totalization beneficiary:
meets the requirements for entitlement to a non-Totalization benefit but the non-Totalization benefit is denied or terminated because of entitlement to a higher Totalization benefit (e.g., entitlement to a Totalization “A” benefit precludes entitlement to a lesser non-Totalization “B” benefit), or
is entitled to non-Totalization benefits on a different Social Security number (SSN), or
meets the criteria for one of the alternative methods in HI 00801.001 for establishing entitlement to HI.
Note: Where one of the alternative methods in HI 00801.001 requires a certain number of quarters of coverage (QCs), that requirement must be met based on U.S. QCs alone.
The following explains how to develop possible entitlement to premium-free HI for Totalization beneficiaries.
1. Applicant is within 3 months of age 65 or older and the number holder is not insured based on U.S. coverage alone
Explore the possibility of entitlement to premium-free HI under the conditions in GN 01701.140A.
Explain the option of filing for premium HI if the applicant does not qualify for premium-free HI and appears to be eligible for premium HI.
2. Applicant could be entitled to premium-free HI on an SSN other than the SSN on which Totalization benefits are paid
Take an application for benefits on the other SSN even if such benefits are not payable because of the Totalization entitlement.
A worker is entitled to a non-Totalization benefit with a primary insurance amount (PIA) of $250. The worker’s wife is entitled to a Totalization benefit on her own SSN with a pro rata PIA of $140. Consequently, she cannot be entitled to a non-Totalization spouse’s benefit on her husband’s SSN. However, an application for spouse’s benefits should be taken to establish entitlement to premium-free HI on the husband’s SSN. The spouse’s claim would be processed as a technical entitlement with HI involved.
Eligibility requirements for premium HI, HI 00801.131