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Before reaching that age, some can get retiree coverage from their former employers.
But Silicon Valley technology companies that do not have or need retiree coverage are wary of new taxpayer-financed subsidies.
Even if employers drop their retiree coverage, many will probably wait a year or two after 2006, experts say.
But Larry Levitt, a senior executive at the Kaiser Family Foundation, said, "Retiree coverage has been under threat for quite a while now".
Lucent, for one, was able to use the ample excess in its pension plans to purchase retiree coverage, even as the company's overall finances sagged.
For most people with pre- existing conditions and no employer-sponsored retiree coverage, the easy but costly way to get coverage is through Cobra.
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Under a new measure being floated in the House, companies like Consol Energy would be able to shift their obligations to cover the health care costs of retired coal miners on to the federal government, which already pays for other retirees' coverage.
Retiree health coverage has been declining for many years.
Many employer plans for retiree drug coverage are part of union contracts.
The nation's governors face a daunting $555 billion in unfunded liabilities to finance retiree health coverage.
He said he voted yes because "I liked the lifetime medical," referring to retiree health coverage.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com