Ask Larry

How Long Do My Wife And I Have To Sign Up For Medicare?

I plan on filing for Social Security benefits now and telling them to start in July since I will be 70 28 July. However I am still covered under my wife's Insurance since she is still working. I do not need Medicare Part B at this time. I did sign up for Medicare Part A when I turned 65 just to be in the system. As long as my wife still continues to work and I am covered, how long do we both have to sign up for Medicare after she decides to stop working?

Hi. There is no upper age limit on when you could claim Part B of Medicare. As long as your wife continues working and you both have coverage under her employer group health plan (EGHP) with a minimum of 20 employees, then you could both wait until she retires to enroll in Part B. And, as long as you enroll within 8 months of her retirement, there would be no late filing penalties. However, you would need to apply no later than the first full month of your wife's retirement in order to avoid a gap in coverage. Refer to the following Social Security website for more information:

Best, Jerry

Mar 27 2023 - 12:20pm
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