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If you or your spouse works past your sixty fifth birthday, you are in Barbís situation.
If you or your spouse, works past age sixty five, you have a Special Enrollment Period
(SEP), when your coverage, or working ends, whichever comes first. You have eight months,
to sign up for Medicare Parts A and B, to avoid a penalty.
You must have the employer, fill out SSA Form L564, which states that you had, employer
group health coverage, and the date that it will end. Once SSA processes this form, your
eight months begins. I have this form available as a PDF that you can print. L564 is not easy
to find online, and you cannot do this process, over the phone. You need to get the form to
SSA, before the date, that you need Medicare coverage to begin, or you will have a gap
in coverage. Again, if you have cobra, you still only have eight months, to sign up for
Medicare Part B (BOY), even though cobra, can go for up to eighteen months, when leaving
work. AND you only have two months, to sign up for Part D (drugs) after losing employer
coverageómore on D later ñso you need to ask questions, about timing, when you have
this SEP. I advise that you hand carry, the L564 form
to SSA. If they do not recognize, receipt of the form, it is fairly difficult, to get
your Medicare started. Usually, if you just want to start, Medicare Part B, you do not
have to wait, in a long line at the SSA office, to speak with a representative. They will
simply check, that the information on your form, is complete, and accurate for the date,
that you want to begin Medicare.