Medicare

Medicare Part A and defer Part B

If you or your spouse are turning 65 and are continuing to work, you should enroll in Medicare Part A and defer Medicare Part B until you terminate employment, since you have coverage under an employer group health plan. You can do this as early as four months before turning 65. You will be eligible for a Special Enrollment Period (SEP) to enroll in Medicare Part B without penalty when you retire. For instructions on how to enroll in Part A and defer Part B, watch How to Enroll in Medicare Online.

If you are retiring after age 65, you are eligible for a Special Enrollment Period (SEP) to enroll in Medicare Part B without a penalty. To enroll during your SEP, you will need to complete the CMS-40B and the Human Resources Benefits office will need to complete the CMS-L564. You can do this up to three months before the requested effective date for Medicare Part B. Submit these forms to Social Security in person, by mail or by fax.