Working past age 65…Do I need to sign up for Medicare Part B?

Working past age 65 is very common nowadays. We are asked daily, “Do I have to sign up for Medicare?”  There is a lot of confusion and  some misconceptions around signing up for Medicare Part B. Many of our clients have been advised that they must sign up for Medicare Part B, when they turn 65, or they will be subject to penalties for the rest of their life.  You might have even been told that you won’t be able to enroll in Medicare Part B at all.

However, that’s not always true.  Medicare guidelines allow for several Special Enrollment Periods.  One of these Special Enrollment Periods grants you the right to enroll in Medicare Part B when you retire or quit working after the age of 65.  Remember, you must have been insured continuously on the employer health plan.

Here are a few things to consider:

  • You will receive an 8-month window to enroll in Medicare Part B once you retire or quit – You can also enroll in Medicare Part B anytime while employed and enrolled on the employer plan.
  • Waiting to enroll in Medicare Part B at the end of your Cobra or not signing up due to taking retiree benefits will not grant you a Special Enrollment Period once you go past the initial 8-month window.
  • You can sign up for your Medicare Part B online through Social Security at
  • You must supply Social Security with the Medicare Employer Notice. This notice is the proof that Social Security needs from your employer that you were continuously covered on the employer group Plan. This form will need to be mailed or taken to your local Social Security office.

We recommend that you begin your enrollment process 60 days prior to the date you plan to retire or prior to the end of the 8-month window. Please reach out to us if we can help you understand and navigate your Medicare Insurance in Washington.