Working Past Age 65?

>> We Help With Medicare & Employer Insurance Coordination

Many people continue working past 65 and are unsure how Medicare works with their employer’s health plan.

We help determine whether they should enroll in Medicare, delay coverage, or combine it with their existing plan.

Problems People Experience:

• Uncertainty about whether to enroll in Medicare while still working
• Concern about losing employer health benefits or paying unnecessary costs
• Confusion about Medicare’s coordination with employer coverage
• Risk of penalties for delaying Medicare incorrectly

We have the Solution:

• Analyze employer health plan benefits versus Medicare options
• Determine if delaying Medicare Part B is beneficial
• Explain how Medicare coordinates with employer coverage (primary vs. secondary payer)
• Ensure clients avoid penalties by enrolling at the right time

>> We Help You Avoid Medicare Late Enrollment Penalties

Many workers don't realize that delaying Medicare incorrectly can result in lifetime penalties.

We ensure they understand the correct enrollment deadlines and avoid costly mistakes.

Problems People Experience:

• Confusion about Medicare's Special Enrollment Period (SEP) rules
• Unaware of penalties for delaying Medicare Part B and Part D
• Assumption that employer coverage automatically exempts them from Medicare rules
• Difficulty navigating Medicare paperwork and deadlines

Solutions We Provide:

• Identify eligibility for the Medicare Special Enrollment Period (SEP)
• Clarify Medicare Part B and Part D late enrollment penalties
• Assist in gathering and submitting required employer forms (CMS-L564 & CMS-40B)
• Provide reminders and guidance for transitioning to Medicare when ready