Life Event Playbook
Qualifying for Extra Help (LIS)
Steps to Take
- Apply through SSA's Extra Help application
- Report income and resources
- SEP begins once qualified
Key Deadlines
- Once-per-quarter SEP for LIS beneficiaries (first 3 quarters of year)
Watch-Outs
- Income limit expanded to 150% FPL in 2024
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.