Working Past 65 – Avoid Medicare Penalties & Mistakes

Can I Enroll in Medicare After 65 Without Penalties?

Yes — if you had creditable coverage (employer-sponsored health insurance) past age 65, you can enroll in Medicare later without facing late enrollment penalties. The key is to use a Special Enrollment Period (SEP).

What Is a Medicare Special Enrollment Period (SEP)?

A Special Enrollment Period is a time outside your Initial Enrollment Period when you can sign up for Medicare without penalties. If you’ve delayed enrollment due to creditable coverage, you can create your own SEP by submitting form CMS-L564.

How Do I Start Medicare After Working Past 65?

1. Get Form CMS-L564 – This is the “Request for Employment Information” form that confirms you had creditable coverage.

2. Have It Signed by Your Employer – Your employer verifies your coverage by completing their section.

3. Choose Your Medicare Start Date – Medicare coverage always begins on the first day of the month. Pick the month that works best for you.

4. Apply for Medicare Part B – Use the Social Security website or visit your local Social Security office to submit your application and CMS-L564 form.

Where Do I Apply for Medicare Part B After 65?

You can apply for Medicare Part B online at the Social Security Administration’s website, or in person at a local Social Security office. Be sure to have your completed CMS-L564 ready before you apply.

By following these steps, you can enroll in Medicare after 65 without late enrollment penalties and ensure your coverage starts exactly when you need it.