How To Apply For Medicare Without Claiming Social Security
You can enroll in Medicare before or after claiming Social Security, not the date you became disabled and unable work.Applying for a Medicare card, Compare rates side by side with plans & carriers available in your area.ILLINOIS – If you are looking to get enrolled in Medicare, This cheat sheet can help, You cant enroll in a Marketplace plan to replace or supplement your Medicare coverage.
Social Security Disability Insurance
When people discuss Social Security benefits, they are usually referring to retirement benefits. However, Social Security also administers disability benefits to qualified individuals.
A full discussion of this insurance program is outside of the scope of this article, but you can find some more details from the Social Security Administration page on disability insurance.
People who have received Social Security Disability Insurance benefits for 24 months are eligible for Medicare Part A and Part B, even if they arent yet 65 and dont receive Social Security retirement benefits.
Individuals who qualify for SSDI coverage and have Lou Gehrig’s disease qualify to receive Medicare benefits sooner, starting on the first month of their SSDI coverage.
You Can’t Opt Out Of Medicare Without Losing Social Security Judge Rules
Retirees cannot disenroll from Medicare Part A without also losing their Social Security benefits and refunding all the money paid to them, a federal judge has ruled.
The judge dismissed a case, Hall v. Sebelius , brought by three retired federal employees who have reached age 65 and are receiving Social Security Retirement benefits, but who would like to drop their Medicare Part A coverage, which pays for care in institutions like hospitals.
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Anyone who has reached age 65 and who is entitled to Social Security benefits is also automatically entitled to Medicare Part A without charge. However, the three plaintiffs, one of whom is former Republican House Majority Leader Dick Armey, wanted to drop their Medicare coverage because they claimed it threatened their coverage under the Federal Employees Health Benefit program, which they said was superior. They argued that the Medicare law allows them to drop out of the program without losing their Social Security benefits.
The judge also pointed out that the plaintiffs would not gain much by renouncing their Medicare coverage. Even if they were to forego and repay all Social Security benefits, under the law “their FEHB-paid benefits would be no more, and no less, than what Medicare Part A would provide,” Collyer wrote.
The plaintiffs plan to appeal the decision.
To read the court’s decision, .
For an article on the case in The Blog of Legal Times, .
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What Is Full Retirement Age
Full retirement age is the age at which you can begin receiving your full benefit amount with no reductions. So, how old do you need to be to be considered full retirement age? It depends on the year in which you were born. If you were born after 1960, then your full retirement age is 67 years old. For those born from 1943 to 1954, normal retirement age is 66 years old. Birth years between 1954 and 1960 get a couple of months added to the full retirement age for each year.
At What Age Do I Qualify For Social Security
You can begin collecting Social Security retirement benefits as early as age 62. Doing so, however, is often not advisable, since it means lowering your monthly benefits potentially for life.
To collect the full monthly benefit your earnings record entitles you to, you must wait until full retirement age to sign up for Social Security. Depending on your year of birth, that age will fall out somewhere between 66 and 67. For each month you file for Social Security ahead of full retirement age, youll face a reduction in your monthly benefits that will likely remain in effect indefinitely, unless you manage to go through the motions of withdrawing your application soon after filing it.
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A Note On The Railroad Retirement Board
The Railroad Retirement Board is a government agency that provides benefits to retired railroad workers. Although it is distinct from Social Security, the RRB can also play into many of the Medicareeligibility requirements.
In most cases, when a Medicare guideline is contingent on receiving Social Security benefits, it is more accurate to say that it depends on Social Security or Railroad Retirement Board benefits.
Key Things To Remember
The main thing you need to keep in mind if you do not receive Social Security benefits but are eligible to enroll in Medicare is of your enrollment periods. Although you wont be enrolled automatically, you will still be able to sign up for any part of Medicare in the same way that Social Security beneficiaries can.
You should also remember that you can have your Medicare premiums deducted automatically from your monthly benefit checks, greatly simplifying your Medicare experience. If you do not collect Social Security benefits, you can also do automatic billing with Medicare Easy Pay.
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Dont Wait Until Age 65 To Start Researching Your Medicare Options
Signing up for Medicare requires you to make a variety of important decisions, including selecting the Medicare Part D plan in your area that best covers the medications you use, finding a Medicare Supplement Insurance plan to fill in some of traditional Medicareâs out-of-pocket costs or choosing to go with a private sector Medicare Advantage Plan instead of traditional Medicare. âThinking about it two or three years out makes a lot of sense so that you can make good decisions,â Duggan says. Shopping around and meeting the enrollment deadlines will help you cover your health care needs at the lowest possible cost.
Copyright 2020 U.S. News & World Report
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What About Medicare Advantage
Medicare Advantage, also known as Medicare Part C, is a way to receive your Medicare benefits through a private insurance company. Part C insurance plans have distinct pros and cons only you know whether this is the best option for your unique needs.
If you have Medicare Parts A and B, you can buy a Medicare Advantage plan, even if you dont receive Social Security benefits. As with Part D plans, our Find a Plan tool makes it easy to research your options.
Like Part D, there is no automatic enrollment for Medicare Advantage plans.
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Most People Who Are Approved For Disability Benefits Through The Social Security Administration Get Medicare Or Medicaid Eventually
By Bethany K. Laurence, Attorney
Generally, if you are approved for Social Security disabilityinsurance benefits, you will receive Medicare, and if you are approvedfor Supplemental Security Income , you will receive Medicaid. However, thisisnt true in all states. Medicaid is operated by the states,and the states are allowed to set eligibility criteria that are different thanSSIs criteria. As a result, whether getting approved for SSI gets you Medicaiddepends on your state, as well discuss below.
At What Age Do I Qualify For Medicare
Medicare eligibility for seniors begins at age 65 . Your initial enrollment period for Medicare begins three months before the month of your 65th birthday, and ends three months after the month you turn 65.
If you miss your initial Medicare enrollment window, you can sign up during the general enrollment period of January 1 through March 31 of each year. But holding off too long could cost you. If you wait too long to sign up for Medicare Part B, youll face a 10 percent increase in your Part B premiums for every year-long period you were eligible to enroll but didnt. There are also financial implications associated with waiting too long to sign up for a Part D drug plan.
That said, if youre still working and have coverage under a group health plan during the seven-month period surrounding your 65th birthday, youll get a special enrollment period that begins when you separate from your employer or your group coverage ends. As such, you wont have to worry about the aforementioned penalties provided you sign up during your special enrollment period.
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Remember The Initial Enrollment Period
It is important to remember that you will still have an Initial Enrollment Period in this situation. It is the same 7-month period that surrounds your 65th birthday.
Unless you have creditable health insurance elsewhere, your IEP is the best time to sign up for Medicare Part A and/or Part B . This is also when you may join a Medicare Advantage or Part D prescription drug plan. If you choose to stay with Original Medicare plus Part D, you may also apply for a Medigap policy during your IEP.
Concerning Medicare Part C And Medicare Part D
There are also Medicare Part C and D plans. Medicare C, now known as the Medicare Advantage Plan, includes all benefits and services covered under Part A and Part B bundled together in one plan. The average monthly cost for this plan is around $25, however, you are often subject to copay fees and must continue to pay your Medicare Part B premium. The perceived advantages of a Medicare Advantage plan are a known, fixed out-of-pocket maximum fee, as well as oftentimes access to vision, hearing, dental and prescription drug coverage.
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What Is Social Security
Social Security is a program that pays benefits to Americans who have retired or who have a disability. The program is managed by the Social Security Administration . You pay into Social Security when you work. Money is deducted from your paycheck each pay period.
Youll receive benefits from Social Security once youre no longer able to work due to disability or once youve reached a qualifying age and stopped working. Youll receive your benefits in the form of a monthly check or bank deposit. The amount youre eligible for will depend on how much youve earned while working.
You can apply for Social Security benefits if one of these situations apply to you:
- Youre 62 or older.
- You have a chronic disability.
- Your spouse who was working or receiving Social Security benefits has died.
Social Security retirement benefits are designed to replace a portion of the monthly income you earned before you retired.
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Why Hold Off On Social Security
Though youâre eligible for full coverage under Medicare starting at age 65, claiming Social Security at 65 might put you at a disadvantage. If you file for Social Security then, youâll wind up slashing your benefits as a result of not having reached full retirement age yet.
Your FRA is based on the year you were born, and for todayâs older workers, that age is 66, 67, or somewhere in between. Meanwhile, your monthly Social Security benefit payment is calculated based on what you earned during your career.
If you wait until FRA to first file for Social Security, youâll get to collect your base benefit payment in full. But if you start taking benefits before reaching FRA, youâll reduce those payments for each year you file early.
Currently, eligible recipients are allowed to start collecting Social Security as early as age 62, which means that, if you decide to sign up for benefits at the same time your Medicare coverage kicks in, youâll be eligible for both programs concurrently. But if your full retirement age is 67 and you start getting Social Security benefits at 65, youâll reduce those payments by about 13.3%. Worse yet, that reduction will remain in effect for the rest of your life.
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What You Will Pay For Medicare Part A And Medicare Part B
Most people aged 65 and older do not have to pay for Medicare Part A coverage, provided they have worked and paid Medicare taxes long enough. This means that, in most cases, senior citizens will not have to pay for Medicare Part A.
If you do opt to or have to buy Part A, youll pay up to $471 each month in 2021 . If you paid Medicare taxes for less than 30 quarters, the standard monthly Part A premium is $471 . If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $259 per month.
In order to enroll in Medicare Part B, you will have to pay a monthly premium. Some people with higher incomes will pay a higher monthly Part B premium. It is important to note that the law requires an adjustment to your monthly Medicare Part B and Medicare prescription drug coverage premiums. This circumstance only affects less than five percent of people with Medicare though most people are not required to pay higher premiums. For the majority of beneficiaries, the government will pay about 75% of the Part B premium, and the beneficiary pays the remaining 25%. The standard Part B premium amount is $148.50 per month or higher, depending on your income.
How Are Social Security And Medicare Related
Medicare and Social Security offer different types of benefits, so how are they related? Medicare enrollment is actually processed by the Social Security Administration, or SSA.
Although the Centers for Medicare & Medicaid Services oversees the Medicare program, they do not handle Medicare enrollment. Instead, CMS is in charge of various features of Medicare, such as the structure of Medicare benefits and overseeing insurance companies that provide Medicare plans.
In addition to handling enrollment, the Social Security Administration also processes Medicare payments. Many people who qualify choose to have their Medicare Part B premiums taken directly out of their Social Security benefit checks rather than paying them online or using another method.
In general, the way to think of these programs is that CMS decides what healthcare benefits Medicare beneficiaries receive as well as how much everything costs. The Social Security Administration processes Medicare applications and payments. SSA also administers the benefits and tracks eligibility of the relevant population.
If you want to know whats going on with Medicare, you go to CMS, but if you have questions about your specific enrollment, you go to the SSA.
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Ask Rusty Can I Get Medicare Without Claiming Social Security
Dear Rusty: I am 63 and my full retirement age is 66 and 2 months. I want to try and hold out to 70 before I start collecting SS. My 2018 Social Security statement said Im eligible to apply for Medicare at 65. Do I have to be receiving Social Security payments before I can be covered for Medicare? Or can I be covered beginning at 65 and not receive a Social Security check until I desire at 70? Signed: Approaching Medicare Age
Dear Approaching: You can do just as you wish you can enroll in Medicare at age 65 without claiming Social Security until you are 70. If you wait until you are 70 to claim Social Security your benefit amount will be nearly 31% higher than it would be at your full retirement age of 66 + 2 months.
You should also consider your prescription drug coverage needs once youre eligible for Medicare. If you do not have creditable prescription drug coverage when you turn 65, you will be subject to a late enrollment penalty if you purchase a drug plan later. Although prescription drug plans are referred to as Medicare Part D, this coverage is purchased from private providers either as an individual plan, or as part of a Medicare Advantage plan .
Finally, if you arent collecting Social Security when you enroll in Medicare Part B, you will need to make separate arrangements to pay the Part B premium. This is quite easy to do in any of the following ways:
Can I Get Medicare Coverage If I Don’t Sign Up For Social Security At 65
Who is this for?
If you’re not planning on signing up for Social Security right away, you can still enroll in Medicare. Learn how here.
These days, people are retiring later in life than their parents did. If youre still working, you might not want to start collecting Social Security benefits right when you turn 65.
But you can enroll in Medicare at 65 even if youre not getting Social Security. In some cases, signing up for Medicare as soon as youre eligible is better than waiting.
- Medicare might have better coverage than your health insurance plan through work.
- If you dont have a comparable health insurance plan and you wait to sign up for Medicare, your Medicare premiums will be higher when you do sign up.
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When Other Insurance Plans Cost Less Than Medicare
You may find that other insurance options are less expensive for you than Medicare.
Obamacare plans are an appealing but you are not allowed to have any part of Medicare while on an Obamacare plan. You could sign up for health coverage through your spouse’s health plan if that option is available. Better still, you may be eligible for health care based on your military experience, whether through the VA or TRICARE.
In these cases, you may be tempted to decline Medicare in favor of another insurance. After all, no one wants to pay two premiums if they don’t have to. However, you need to understand that declining Medicare can have serious repercussions.
It is unclear at this time how an Obamacare repeal will affect insurance access. This will depend on what kind of replacement plan the Trump administration puts forward.