I was born in October 18, 1955 and my wife was born in August 20 of 1952 and she has been working very hard and raising our family while I worked full time and she worked Part-time. I am believe I ready to retire this year and my company offers me a pension of about $ 6500-7000 a month. what is the best strategy i should employ to claim my social security benefits and hw does that impact my health benefits part-B and D or should I delay my SS to a later date? Sincerely grateful for your expert opinion.
Best Regards;
M

Hi M. Your best strategy for claiming benefits depends on numerous different factors, but ultimately it will be up to you to decide which claiming option you are most comfortable with. You and your wife should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze and compare all of your various options so that you can determine which option you feel would be the best overall strategy for maximizing your benefits.

If you delayed enrolling in parts B & D of Medicare because you were covered by an employer group health plan (EGHP) through your work, then you can apply to enroll in those parts when you retire. That would also apply to your wife if she's been covered under your EGHP. You aren't required to apply for Social Security benefits in order to enroll in any parts of Medicare.

You can apply for part B & D coverage up to 3 months in advance on the month you want your part B & D coverage to start, and you'll probably want to apply no later than your first non-work month in order to avoid a gap in your coverage (https://www.ssa.gov/help/iClaim_medSEP.html).

Best, Jerry