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I am 66 will be 67 in march 2018. When I turned 65, i was…

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I am 66 will...

I am 66 will be 67 in march 2018. When I turned 65, i was still working full time with company provided medical benefits. So, the SS technician enrolled me in part A benefits only.

Accountant's Assistant: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Please tell me more, so we can help you best.

As of last Thursday I was handed a packet for me to obtain COBRA. With a due date of no later than 11/30/17 ( apparently this was backdated).Should I elect Cobra for now ? Next steps? I am not collecting SS yet. Was planning to do that in 2018. Do I need to contact SS to get part b benefits added in order to get a medigap policy? The company is on the verge of collapse, so legal action would be fruitless. Need a roadmap out of this mess quickly. Can I get medigap insurance before SS gives me part b benefits, My main medical expense is Rx drugs. Do I have time to think about a drug plan? or do Ii need to jump on anything for the first year?

Accountant's Assistant: Is there anything else the Retirement Accountant should be aware of?

Can't think of anything offhand Just ask away and I will clarify

Submitted: 8 months ago.Category: Social Security
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Answered in 8 minutes by:
11/15/2017
Social Security Expert: lev-tax, Tax Advisor replied 8 months ago
lev-tax
lev-tax, Tax Advisor
Category: Social Security
Satisfied Customers: 33,139
Experience: Taxes, Immigration, Labor Relations
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The issue is related to premiums you might pay for Medicare Parts B and D if you do not enroll when you first became eligible.

Generally - those who do not enroll into Medicare when become eligible - but enroll later - will pay higher premiums.
However - as long as you are working and covered by your employer's health insurance - you are eligible to enroll during SEP - special enrollment period - and will NOT pay higher premiums.

Ask Your Own Social Security Question
Social Security Expert: lev-tax, Tax Advisor replied 8 months ago

You may qualify for a "Special Enrollment Period" (SEP) that will let you sign up for Part B:

  • During any month you remain covered under the group health plan and your, or your spouse's, current employment continues; or

  • In the eight-month period that begins with the month after your group health plan coverage or the current employment it is based on ends, whichever comes first.

So far - you may decline COBRA and enroll into Medicare NOW,

or you may enroll into COBRA - and may enroll into Medicare later - but not later than 8 month after your employment ended.

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