Still Working Past 65 or Planning to Retire Soon
Still Working Past 65 or
Planning to Retire Soon?
Medicare decisions work differently when you have employer coverage.
Timing matters more than most people realize.
If You’re Still Working
You may be allowed to delay Part B, but only if:
- Your employer has 20+ employees
- Coverage is considered creditable
- You understand HSA contribution rules
Delaying incorrectly can lead to permanent penalties.
We help you determine whether delaying makes sense.
If You’re Retiring Soon
When employer coverage ends, you typically have:
- 8 months to enroll in Part B
- 2 months to enroll in Part C or Part D
You may need your employer to complete Form CMS-L564 before submitting to SSA.gov.
Planning ahead avoids:
- Coverage gaps
- Penalties
- Rushed decisions
What About Part A?
Some enroll at 65.
Others delay due to HSA contributions.
This decision should be intentional.
We help you coordinate Medicare with your retirement timeline.
If you prefer learning by video, this short overview explains how Medicare works when you’re still working or preparing to retire.
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