Medicare coverage before the age of 65 is available to RRB total disability recipients 24 months after entitlement to monthly benefits if they also have a disability insured status under Social Security law. If you never worked under the Social Security system or only for a short period of time you will not be eligible. This early coverage can occur at any age (after 18). Every worker’s case is different. If you have nay questions about Railroad Disability, feel free to call us for a free consultation at 1-800-331-3530.