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When Can I Collect Medicare Benefits

Sign Up: Within 8 Months After You Or Your Spouse Stop Working

2021 How to use Medicare Plan Finder, step-by-step
  • Most people dont have to pay a premium for Part A . So, you may want to sign up for Part A when you turn 65, even if you or your spouse are still working.
  • Youll pay a monthly premium for Part B , so you may want to wait to sign up for Part B.

Avoid the penalty & gap in coverageIf you miss this 8-month Special Enrollment Period, youll have to wait to sign up and go months without coverage. You might also pay a monthly penalty for as long as you have Part B. The penalty goes up the longer you wait to sign up. How much is the Part B late enrollment penalty?

List Each Years Earnings

Your earnings history is shown on your Social Security statement, which you can now obtain online.

In the table below, sample earnings for a hypothetical worker born in 1953 are shown in Column C. Only earnings below a specified annual limit are included. This annual limit of included wages is called the Contribution and Benefit Base and is shown as Max Earnings in Column H in the table.

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What If You Still Work

There’s a limited period of time during which you can receive SSDI benefits and work, but you can continue to receive Medicare benefits even once disability payments have stopped. This is known as the extended period of Medicare coverage, and it allows you to keep your Medicare coverage for at least 93 months after you have completed your trial work period.

Trial Work Period

There are three timeframes to understand. The first, the trial work period, is a nine-month period during which you can test your ability to work and still receive full SSDI and Medicare benefits. The nine months don’t have to be consecutive, and a qualifying month is one during which you earned at least $1,050 in 2023. The trial period continues until you have worked for nine months within a 60-month long period.

Extended Period of Eligibility

Once those nine months are up, you move into the next time framethe extended period of eligibility. For the next 36 months, you can still receive SSDI in any month you aren’t earning substantial gainful activity income. Plus, you receive a 3-month grace period the first time you earn SGA-level income, during which you’re still paid SSDI benefits. The 2023 monthly SGA amount is $1,470 if you aren’t blind $2,460 if you are. You’ll continue to receive Medicare benefits regardless of income.

Extended Period of Medicare Coverage

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Can A 65 Year Old Spouse Get Medicare

When one spouse in a couple turns 62 years old, the other spouse who is at least 65 years old may now qualify for premium-free Medicare Part A if they havent yet qualified based on their own work history. For example, Gerald is 65 years old, but he doesnt qualify for premium-free Part A because he did not work the minimum number …

How Do I Enroll In A Prescription Drug Plan

When Can You Collect Medicare Benefits

The Medicare Prescription Drug Plans are sold by private insurance companies approved by Medicare. All people new to Medicare have a seven-month window to enroll in a PDP three months before, the month of and three months after their Medicare becomes effective. The month you enroll affects the PDPs effective date. All people with Medicare are eligible to enroll in a PDP however, unless you are new to Medicare or are entitled to a Special Enrollment Period, you must enroll or change plans during the Open Enrollment Period for Medicare Advantage and Medicare Part D, Oct. 15 through Dec. 7. There is a monthly premium for these plans.

For assistance with Part D plan comparisons and enrollments, please call our team of Medicare specialists at 1-855-408-1212 or you may log onto MyMedicare.gov to shop for prescription drug plans available in your area.

If you have limited income and assets/resources, assistance is available to help pay premiums, deductibles and co-payments. You may be entitled to Extra Help through the Social Security Administration. To apply for this benefit contact SHIIP at 1-855-408-1212 or the Social Security Administration at 800-772-1213 or www.socialsecurity.gov.

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What Is Social Security

Social Security is the most successful anti-poverty program in our countrys history, according to the SSA. President Franklin D. Roosevelt signed the Social Security Act into law in 1935 as a retirement program for workers. It was part of the historic New Deal, and the first lump-sum payments were made in 1937.

Payments for workers survivors were added by Congress in 1939 and regular monthly checks started in 1940. Disability benefits were added in 1956.

Todays workers pay Social Security taxes into the program, and the money is disbursed as monthly income to beneficiaries in a pay-as-you-go system, according to the National Academy of Social Insurance.

One in five Americans receives benefits, including more than 47 million retired workers and dependents, 10 million disabled workers and dependents, and 6 million survivors of deceased workers.

What Age Does Medicare Start

For most, Original Medicare coverage starts when you turn 65. However, some delay enrollment to remain on an employer plan or become eligible before age 65 due to disability. Others may take zero-premium Medicare Part A at 65 and delay Part B until a future date due to creditable coverage.

Hence, there are several possibilities for when one starts Medicare. Therefore, knowing which route works best in your situation is vital.

In some cases, you may qualify for Medicare before age 65. If someone receives Social Security Disability Income benefits for at least 24 months, they are eligible for Medicare. Additionally, those with end-stage renal disease or amyotrophic lateral sclerosis are eligible for Medicare with no need to meet the 24-month benchmark.

No matter when or how you become eligible for Original Medicare, you must ensure you understand how the benefits work and when your coverage begins.

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Top 5 Things You Need To Know About Medicare Enrollment

1. People are eligible for Medicare for different reasons.

Some are eligible when they turn 65. People under 65 are eligible if they have received Social Security Disability Insurance or certain Railroad Retirement Board disability benefits for at least 24 months. If they have amyotrophic lateral sclerosis , theres no waiting period for Medicare. Some people with End Stage Renal Disease may be eligible for Medicare. Its important to know the different ways that people qualify for Medicare so you can help current and former employees and their dependents anticipate their eligibility for Medicare so they can make timely and appropriate decisions about their enrollment.

2. Some people get Medicare Part A and Part B automatically and some people need to sign up for them.

People living in the United States and U.S. Territories who are already collecting Social Securityeither disability or retirementare automatically enrolled into Part A and Part B when theyre first eligible. These people will get a packet of information a few months before they turn 65 or receive their 25th month of Social Security Disability or Railroad Retirement Board benefits. At that time, they can choose to keep or decline Part B, but cant decline Part A unless they withdraw their original application for Social Security and pay back all Social Security cash benefits.

3. Enrolling in Medicare can only happen at certain times.

Getting Help With Your Medicare Coverage After Divorce

How To Apply For Medicare Online – Step By Step

Things can get messy after a divorce, and you may not know what your options are for Medicare. Also, Medicare and Social Security can be challenging to understand.

Find Medicare Plans in 3 Easy Steps

We can help find the right Medicare plans for you today

Some people worry about Medicare or Social Security running out of funds. But, the National Committee of preserving Social Security and Medicare wont let that happen.

And, when you have any questions about Medicare or your coverage options, were here to help you along.

Give us a call at the number above for more information on help with costs. Cant call? We get it, fill out our online rate form, and get your quote today.

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Medicare Part B Premiums

For Part B coverage, youll pay a premium each year. Most people will pay the standard premium amount. In 2023, the standard premium is $164.90. However, if you make more than the preset income limits, youll pay more for your premium.

The added premium amount is known as an income-related monthly adjustment amount . The Social Security Administration determines your IRMAA based on the gross income on your tax return. Medicare uses your tax return from 2 years ago.

For example, when you apply for Medicare coverage for 2023, the IRS will provide Medicare with your income from your 2021 tax return. You may pay more depending on your income.

In 2023, higher premium amounts start when individuals make more than $97,000 per year, and it goes up from there. Youll receive an IRMAA letter in the mail from SSA if it is determined you need to pay a higher premium.

B Enrollment May Be Impacted If You Lose Coverage Through Your Spouse

In most cases, individuals who do not enroll in Part B when they first become eligible may have to pay late enrollment penalties. However, if you were covered by a spouses employer or retiree coverage, you may be eligible for a Special Enrollment Period during which to get Part B.

The online blog doesnt take into account every situation, so its important that you ask questions and get answers for your specific situation. You may want to contact the Social Security Administration for more information by calling 1-800-772-1213 , Monday through Friday from 7 a.m. to 7 p.m.

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How To Determine Whether You Qualify For Ssdi

Before considering your healthcare options, the first step to getting on the right path is determining whether you qualify for disability benefits.

Most likely, you have already started trying to figure out if you’re eligible.

What you may be finding is that there’s a lot of information to parse through. Unfortunately, the listings of impairments was written for legal professionals and Social Security disability case workers. The listings often use complicated language to describe the requirements for eligible medical conditions.

For someone who isn’t used to dealing with legal language and technical terms, verifying whether your disability is considered severe enough using the listings can quickly get overwhelming.

The easiest way to determine your eligibility is to get an online disability case evaluation from a legal professional. Once you determine whether youre eligible for SSDI or SSI, you will know whether you qualify for Medicare.

Remember, if you qualify for SSDI, you also qualify for Medicare.

At BenefitsClaim.com we offer a disability case evaluation for free. There are no up-front costs, retainers, or fees for the evaluation. It really is free. All you need to do is take our 1-minute survey and leave your contact information. Someone from our team will be in touch with you to help you get started.

What Is The Difference Between Medicare And Medicaid

When Can You Collect Medicare Benefits

Medicare is typically an age-based program that all Americans eventually qualify to use. Those with permanent disabilities and dialysis patients may also qualify for Medicare regardless of age. Medicaid is income-based, and individuals of any age may qualify if they fall below certain income levels.

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How Long Do You Receive Social Security Survivor Benefits

Social Security survivor benefits are payable to the surviving spouse for the remainder of their life. Restrictions apply for divorced spouses eligible to receive benefits.

Benefits for surviving children end at age 18 or age 19 and 2 months if still pursuing their elementary or secondary education. For surviving children who became disabled before age 22, their benefits continue for life.

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The Proposal For Medicare At 60

Besides a proposal to offer a public health insurance option similar to Medicare, President Biden hopes to lower the Medicare eligibility age to 60. During the presidential race, this was part of his health care platform. Currently, the age at which one becomes Medicare-eligible is 65. Individuals under 65 can obtain Medicare if they collect SSDI for 24 months or are diagnosed with ALS or ESRD.

Lowering the eligibility age five years aims to provide health care to those who retired early, are unemployed, or lack health benefits through their employer. Additionally, qualifying U.S. citizens over 60 would have an extra health care option. As the market is more difficult for older job seekers, the President says its necessary to provide this safety net.

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When Should I Apply

Typically, if you are receiving benefits either from Social Security, disability or Railroad, you should receive information in the mail three months prior to turning 65. In fact, enrollment in Medicare Parts A and B is automatic if you live in one of the fifty states or Washington D.C. However, because the premium for Part B is deducted from your Social Security benefits, you have the right to refuse. Keep in mind you are automatically signed up for Part A, but not for Part B. You have a 7-month period your initial enrollment period to sign up for Medicare Part B, and this period begins three months before the month of your 65th birthday. If you are not receiving benefits currently, it is your responsibility to contact Social Security three months prior to turning 65. Even if you do not plan on retiring at age 65, you can still sign up.

Medicare is available to everyone over the age of 65 and those under 65 with a disability or kidney failure. You will automatically be enrolled in Medicare Part A but you must take steps to enroll in Part B as this is not automatic.

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Will I Get My Spouses Medicare If I Retire At Age 62

Medicare 101

No. Even if your spouse has Medicare when you retire at 62, you arenât eligible for Medicare until you turn 65 .

If you retire before age 65, you may be able to continue to get health insurance through your employer, or you can purchase coverage from a private insurance company in the meantime.

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How Do I Enroll In A Medicare Supplement Plan

Medicare Supplement Insurance plans are one health insurance option for people with Original Medicare. There are standardized Medicare supplement insurance plans available that are designed to fill the gaps left by Original Medicare . These are sold by private insurance companies as individual insurance policies and are regulated by the Department of Insurance. After age 65 and for the first six months of eligibility for Medicare Part B, beneficiaries have an Open Enrollment Period and are guaranteed the ability to buy any of these plans from any company that sells them. Companies cannot deny coverage or charge more for current or past health problems. If you fail to apply for a Medicare supplement within your Open Enrollment Period, you may lose the right to purchase a Medicare supplement policy without regard to your health. Information about the Medicare supplement plans sold in North Carolina is available from SHIIP by calling us toll-free at 1-855-408-1212.

Use our free tool to find estimated premium rates.

Is There A Maximum Benefit

Yes, there is a limit to how much you can receive in Social Security benefits. The maximum Social Security benefit changes each year. For 2022, itâs $4,194/month for those who retire at age 70 . Multiply that by 12 to get $50,328 in maximum annual benefits. If thats less than your anticipated annual expenses, youâll need to have additional income from your own savings to supplement it.

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When Do I Use My Medicare Cards

Everyone who enrolls in Medicare receives a red, white, and blue Medicare card. This card lists your name and the dates that your Original Medicare hospital insurance and medical insurance began. It will also show your Medicare number, which serves as an identification number in the Medicare system.

If you have Original Medicare, make sure you always bring this card with you when you visit doctors and hospitals so that they can submit bills to Medicare for payment. If you have a supplemental insurance plan, like a Medicare Supplement Plan, retiree, or union plan, make sure to show that plans card to your doctor or hospital, too, so that they can bill the plan for your out-of-pocket costs.

Note: Medicare has finished mailing new Medicare cards to all beneficiaries. You can still use your old card to get your care covered until January 1, 2020. However, if you have not received your new card, you should call 1-800-MEDICARE and speak to a representative.

If you are enrolled in a Part D plan , you will use the Part D plans card at the pharmacy.

Remember: Do not give your Medicare or Social Security numbers or personal data to strangers. Medicare will never ask for this information over the phone. If you believe you have been the target of Medicare marketing or billing fraud, contact your local Senior Medicare Patrol.

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