Working Past 65 with Employer Coverage? Calculate your personal Medicare Enrollment Timeline.

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3 Important things to know if you plan to defer Medicare and continue to work past age 65:

1) To avoid penalties, your employer plan must be considered credible coverage. The primary factor determining that your employer plan is credible is that they have more than 20 full-time employees. This means that your employer has 20 or more full-time employees. Check with your H/R to be certain your plan qualifies.

2) When you leave your employer after you have turned 65, to enroll without penalty, you must prove you had continuous employer group coverage since turning 65. You will need your employer's HR department to fill out Form CMS-L564 (Employment Information & Proof of Coverage). You will submit this alongside your personal application Form CMS-40B.

3) CRITICAL WARNING Regarding COBRA: COBRA does NOT count as active employer coverage. If you take COBRA after retiring, your 8-month Special Enrollment window to join Medicare without a lifelong late premium penalty still starts the month your active employment ended, NOT when your COBRA coverage runs out.

It is important to validate that you have qualified coverage before you defer your Medicare enrollment. Speak to your employer H/R and get that confirmation in writing from them.

Medicare Working Past 65 Special Enrollment Period (SEP) Calculator