Unemployments Benefits for 75-Year-Olds

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Employers can't discriminate based on age.
Employers can't discriminate based on age. (Image: Comstock Images/Comstock/Getty Images)

The rules governing unemployment insurance benefits vary by state. However, at the time of publication, no state places an age limit on receiving these benefits. A 75-year-old worker can collect unemployment insurance benefits as long as he meets his state's requirements.

Requirements

In most states you will qualify for unemployment insurance benefits as long as your actions weren't the cause of your unemployment. You must have also earned a sufficient wage before you lost your job, and you must be willing and able to accept new employment. If you are physically able to work, you can qualify for unemployment benefits regardless of your age.

Social Security

Once you reach retirement age, you may be eligible for Social Security retirement benefits. Social Security doesn't count unemployment insurance benefits toward your annual income, so collecting them won't affect your ability to qualify for retirement benefits, nor will it affect the amount you receive. However, receiving Social Security retirement may reduce the amount of unemployment insurance benefits you can collect.

Pensions

If you receive other retirement benefits, such as payments from an IRA, 401(k) or other pension plan, most states will count a portion of the amount you receive as monthly income, which may reduce your unemployment insurance benefits. However, at the time of publication, it is legal to collect both retirement income and unemployment insurance benefits.

Medicare

A 75-year-old individual will qualify for free Medicare Part A coverage if he worked at least 10 years for an employer that paid Medicare taxes. If your employer did not pay Medicare taxes, you can purchase Medicare Part A coverage after age 65. Receiving unemployment benefits doesn't affect your ability to apply for Medicare, nor will it raise your premiums.

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