Life Event Playbook
Retiring at 65 With Employer Coverage
Steps to Take
- Confirm employer coverage is creditable (HR will provide notice)
- Enroll in premium-free Part A around 65 (optional)
- Delay Part B until employment ends
- Use SEP to enroll in Part B within 8 months of ending active coverage
Key Deadlines
- 8-month SEP after active employment ends
- 63-day window for creditable Part D coverage transition
Watch-Outs
- Smaller employers (<20) require Medicare as primary — different rules apply
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.