Senior Resources » Here’s How Working Past 65 Can Affect Your Medicare Enrollment

Here’s How Working Past 65 Can Affect Your Medicare Enrollment

When it comes to Medicare enrollment, your personal circumstances matter. There are different rules for enrolling at any one of the various stages of life you may be in. Here’s what to know.


Enrollment Options by Circumstance

African American Baby Boomer man, sitting at desk thinking about Medicare enrollment

Receiving Social Security

Turning 65 and receiving your Social Security check is the easiest way to receive your Medicare card. Medicare will send your card 90 days before you turn 65. 

Not Receiving Social Security

If you’re turning 65 and NOT receiving a Social Security check, you can enroll in Medicare online at 90 days before you turn 65. 


Still Working

If you or your spouse are over 65 and still working, talk to your employer’s HR department. Verify that you should delay Part B enrollment because you are on an employer group health plan

Medicare allows those turning 65, who are receiving employer benefits, to delay Medicare Part B enrollment without a penalty. But, be aware, there are some things to know:

  • Delaying Medicare requires you to have employer group health coverage under your name or your spouse’s.
  • You must call your local Social Security office to delay or terminate enrollment.
  • If you are already enrolled in Medicare Part B and would like to terminate, you will need Social Security form CMS-1763.


If you are turning 65 and still working, but not covered under an employer’s group health plan, then you should enroll during your initial enrollment period.

If you wait to enroll in Medicare Part B, then you will receive a 10% penalty for each year that you were not enrolled. For example, if you waited 2 years to apply for Original Medicare, the Part B penalty would be 20%. That 20% is charged every month for the rest of your life.


Leaving Employer Benefits After 65

When you or your spouse are no longer covered by an employer group health plan, have the HR department fill out and sign Social Security form CMS-L564 “Request for Employment Information” and CMS-40B “Application for Medicare Part B.” Call your local Social Security office and fax the forms to justify your delay in enrollment to avoid penalties.

Contact Toni: Email the Toni Says® Medicare team at or call (832)519-8664 for all your Medicare questions!

More From Toni King

Confused About Medicare Workshops are back! Join Toni for a Zoom webinar on Thursday, February 9, from 4 pm to 6 pm CST. Click here to register!

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Keep an eye out for Medicare Moments Podcasts! New episodes drop every Wednesday morning.

Get a taste of Toni’s podcast by listening to an episode right now! Just click the play button below:


Medicare Survival Guide Advanced Edition

Order Medicare Survival Guide Advanced

Medicare Survival Guide Advanced

What You Don’t Know Will Hurt You!

Turning 65 in America is a milestone and one of the markers is enrolling in Medicare. But the system is so complicated, and there is a lot of false information out there.

In Toni King’s Medicare Survival Guide Advanced: Basics and Beyond, Toni gives you the critical steps you need to enroll in Medicare properly. Toni shares various situations that she has experienced with her many clients during Medicare consultations, and gives you the information and tools you need to enroll on time to avoid the “famous” Medicare Part B and D penalties.

Medicare Survival Guide Advanced helps you understand Medicare step by step…

Learn How to Enroll the Correct Way
• Still Working Past 65
• Turning 65
• VA Benefits
• Laid-off or Retiring

What Medicare Option Is Best for You
• Medicare Supplement vs. Advantage
• Losing Retirement Benefits


How to Avoid
• The Donut Hole
• Part B Penalties
• Part D IRMAA Penalties

If you are enrolling in Medicare and are confused by the commercials and telemarketers, or from the information that well-meaning friends or family members give, let Toni guide you through the maze of Medicare. Order TODAY!

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Originally published January 27, 2023


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