If you’re over 65 and receive coverage under a group health plan provided by an employer for which you or your spouse actively work, you have the right to delay Medicare enrollment until the job ends or the coverage ends — whichever occurs first. At that point, you’re entitled to a special enrollment period of up to eight months to sign up for Medicare without risking late penalties.

However, you may be susceptible to a Part D penalty. The law says that you will be liable for Part D late penalties if you go for more than 63 days without Part D or creditable drug coverage after enrolling in Medicare Part A and/or Part B. So 63 days is often given as the length of the special enrollment period you can use to avoid a penalty.

We highly recommend that you contact a licensed professional who can walk you through the process and complete a personal assessment that will help you make a well-informed decision. Please contact us for a free no-obligation consultation. Our goal is to provide you with accurate information about Medicare and supplemental health insurance plans so that you can make the decision that’s right for you. Contact AV Towers Insurance today.