Life Event Playbook
Losing a Spouse
Steps to Take
- Report death to Social Security (1-800-772-1213)
- Apply for survivor benefits if eligible
- Review health coverage continuity
- Update Medigap, Part D, and MA plans
Key Deadlines
- Apply for SS survivor benefit promptly
- 63-day Medigap GI for certain losses of coverage
Watch-Outs
- If you had coverage via spouse's employer, an 8-month Part B SEP applies
Related
Disclaimer: Educational content only. Confirm your specific situation with SSA, Medicare, or a licensed professional.
Frequently Asked Questions
Where do I enroll or make changes?+
Most Medicare changes happen at ssa.gov/medicare or medicare.gov. Your state SHIP offers free counseling.
How strict are deadlines?+
Very. Missing a Special Enrollment Period often means waiting for the Annual Enrollment Period (Oct 15 – Dec 7) and facing late penalties.
Do I need an agent?+
Not required, but a licensed independent Medicare agent can compare plans across multiple carriers at no cost to you.
What if I miss a deadline?+
Use the General Enrollment Period (Jan 1 – Mar 31) for Part B, accepting any applicable late penalty. Some SEPs allow late enrollment for specific hardship reasons.