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Medicare From Disability Convert at Age 65 To Medicare Retirement
Just a few questions:
1. Is it attainable that there actually is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any attainable penalty from earlier than turns into moot and the claimant is handled like anybody else reaching age 65?
2. If not, will they actually assess a ten% penalty multiplied by 30 years or a 300%+ penalty?
3. Did one thing change from 30+ years in the past that maybe the household ought to have been conscious of? Was the 20 member group factor all the time a factor?
4. Is there an enchantment course of for conditions like this which are “historical”?
5. Is there extra that we’re lacking right here that anybody can add that will likely be useful or a minimum of informative?
Thanks for assist with this.
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Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Post
by tallguy3891 »
Goodman60 wrote: ↑Fri Sep 06, 2024 2:50 pm
I am concerned in a really uncommon state of affairs concerning a member of the family who has been disabled for over 30 years and has been receiving Social Safety Incapacity and Medicare Half A. The household owns a small enterprise (lower than 20 staff) and has been capable of cowl that particular person on their small enterprise group medical health insurance as a member of the family and former principal within the enterprise. This was achieved as a result of, in accordance 30+ yr outdated reminiscence, they had been advised that so long as the disabled particular person has group medical health insurance, they might not need to take Half B and there could be no penalty if and when the opposite well being protection ended. The disabled member of the family will quickly be age 65 and went to a Medicare insurance coverage dealer to see what to do. They had been advised that Medicare may implement a whopping penalty, each month for the remainder of their life, as a result of the “different protection” was not a part of a bunch of greater than 20. In fact everybody concerned is worried. The dealer first thought that Medicare “resets” at age 65, and that failure to take Half B years earlier on the onset of incapacity wouldn’t matter. However that dealer checked later with the next up who raised this concern, pondering that there is probably not a “reset”, solely a document of 30+ years of not claiming Half B with no various protection that has greater than 20 group members. On the Medicare.gov web site, the disabled member of the family can see the employer protection underneath “Different Insurance coverage” and it is listed as “. Just a few questions:
1. Is it attainable that there actually is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any attainable penalty from earlier than turns into moot and the claimant is handled like anybody else reaching age 65?
2. If not, will they actually assess a ten% penalty multiplied by 30 years or a 300%+ penalty?
3. Did one thing change from 30+ years in the past that maybe the household ought to have been conscious of? Was the 20 member group factor all the time a factor?
4. Is there an enchantment course of for conditions like this which are “historical”?
5. Is there extra that we’re lacking right here that anybody can add that will likely be useful or a minimum of informative?
Thanks for assist with this.
See the hooked up hyperlink from the SSA regs concerning this:
When does this particular person flip 65? That is CRUCIAL data.
1. In keeping with this, even when the particular person was on Half B with a late penalty earlier than age 65, the late penalty stops. See A.3.a
2. No months earlier than age 65 depend towards a late penalty, in different phrases, if the particular person enrolls when they’re imagined to throughout the age 65 Preliminary Enrollment Interval, there could be no late penalty for Half B. See A.3.b–this is no matter how lengthy they’d Half A solely and had been on SSA incapacity. In fact, in the event that they then nonetheless do not enroll in Half B , the late penalty “clock” begins operating.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
tallguy3891 wrote: ↑Fri Sep 06, 2024 3:27 pm
See the hooked up hyperlink from the SSA regs concerning this:When does this particular person flip 65? That is CRUCIAL data.
1. In keeping with this, even when the particular person was on Half B with a late penalty earlier than age 65, the late penalty stops. See A.3.a
2. No months earlier than age 65 depend towards a late penalty, in different phrases, if the particular person enrolls when they’re imagined to throughout the age 65 Preliminary Enrollment Interval, there could be no late penalty for Half B. See A.3.b–this is no matter how lengthy they’d Half A solely and had been on SSA incapacity.
Wow! That is severely excellent news, I believe. Age 65 is April 2025. It is not clear why that is essential, apart from to ensure that it isn’t already previous the age 65 “no penalty” interval, which it isn’t. Does that change something? I do not suppose so however maybe I am improper.
I can’t fault the dealer actually, for stirring this hornet’s nest, as a result of it is actually a unicorn state of affairs. But it surely seems, from this, that the dealer’s concern will not be a priority in spite of everything and our member of the family will have the ability to enroll in Medicare Half B at age 65, like some other age 65 enrollee, with no penalties. Once more, thanks so very a lot for discover this. Do you consider I’m deciphering this accurately?
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Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Post
by tallguy3891 »
Goodman60 wrote: ↑Fri Sep 06, 2024 3:40 pmtallguy3891 wrote: ↑Fri Sep 06, 2024 3:27 pm
See the hooked up hyperlink from the SSA regs concerning this:When does this particular person flip 65? That is CRUCIAL data.
1. In keeping with this, even when the particular person was on Half B with a late penalty earlier than age 65, the late penalty stops. See A.3.a
2. No months earlier than age 65 depend towards a late penalty, in different phrases, if the particular person enrolls when they’re imagined to throughout the age 65 Preliminary Enrollment Interval, there could be no late penalty for Half B. See A.3.b–this is no matter how lengthy they’d Half A solely and had been on SSA incapacity.
Wow! That is severely excellent news, I believe. Age 65 is April 2025. Does that change something? I do not suppose so however maybe I am improper. I can’t fault the dealer actually, as a result of it is actually a unicorn state of affairs. But it surely seems, from this, that our member of the family will have the ability to enroll in Medicare Half B at age 65 like some other age 65 enrollee with no penalties. Once more, thanks so very a lot for discover this.
If an individual turns 65 in April 2025, their Preliminary Enrollment Interval (IEP) is from Jan 1, 2025 by July 31, 2025. If they need Half B protection efficient April 1, my private opinion is to enroll in January 2025 to provide time for processing.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
tallguy3891 wrote: ↑Fri Sep 06, 2024 4:04 pmGoodman60 wrote: ↑Fri Sep 06, 2024 3:40 pmtallguy3891 wrote: ↑Fri Sep 06, 2024 3:27 pm
See the hooked up hyperlink from the SSA regs concerning this:When does this particular person flip 65? That is CRUCIAL data.
1. In keeping with this, even when the particular person was on Half B with a late penalty earlier than age 65, the late penalty stops. See A.3.a
2. No months earlier than age 65 depend towards a late penalty, in different phrases, if the particular person enrolls when they’re imagined to throughout the age 65 Preliminary Enrollment Interval, there could be no late penalty for Half B. See A.3.b–this is no matter how lengthy they’d Half A solely and had been on SSA incapacity.
Wow! That is severely excellent news, I believe. Age 65 is April 2025. Does that change something? I do not suppose so however maybe I am improper. I can’t fault the dealer actually, as a result of it is actually a unicorn state of affairs. But it surely seems, from this, that our member of the family will have the ability to enroll in Medicare Half B at age 65 like some other age 65 enrollee with no penalties. Once more, thanks so very a lot for discover this.
If an individual turns 65 in April 2025, their Preliminary Enrollment Interval (IEP) is from Jan 1, 2025 by July 31, 2025. If they need Half B protection efficient April 1, my private opinion is to enroll in January 2025 to provide time for processing.
It’s going to occur on Thursday January 2, 2025.
Thanks once more, tallguy. I believe you prevented an anxiety-ridden weekend for our household.
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Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Post
by tallguy3891 »
As well as, being on Components A and B, they may be eligible for Medigap supplemental insurance coverage, Half D Prescription protection, or a Medicare Benefit Plan, that are fully different matters with their very own timeframes.
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- Joined: Sat Jul 03, 2021 10:47 am
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Post
by tallguy3891 »
Goodman60 wrote: ↑Fri Sep 06, 2024 4:08 pmtallguy3891 wrote: ↑Fri Sep 06, 2024 4:04 pmGoodman60 wrote: ↑Fri Sep 06, 2024 3:40 pmtallguy3891 wrote: ↑Fri Sep 06, 2024 3:27 pm
See the hooked up hyperlink from the SSA regs concerning this:When does this particular person flip 65? That is CRUCIAL data.
1. In keeping with this, even when the particular person was on Half B with a late penalty earlier than age 65, the late penalty stops. See A.3.a
2. No months earlier than age 65 depend towards a late penalty, in different phrases, if the particular person enrolls when they’re imagined to throughout the age 65 Preliminary Enrollment Interval, there could be no late penalty for Half B. See A.3.b–this is no matter how lengthy they’d Half A solely and had been on SSA incapacity.
Wow! That is severely excellent news, I believe. Age 65 is April 2025. Does that change something? I do not suppose so however maybe I am improper. I can’t fault the dealer actually, as a result of it is actually a unicorn state of affairs. But it surely seems, from this, that our member of the family will have the ability to enroll in Medicare Half B at age 65 like some other age 65 enrollee with no penalties. Once more, thanks so very a lot for discover this.
If an individual turns 65 in April 2025, their Preliminary Enrollment Interval (IEP) is from Jan 1, 2025 by July 31, 2025. If they need Half B protection efficient April 1, my private opinion is to enroll in January 2025 to provide time for processing.
It’s going to occur on Thursday January 2, 2025.
Thanks once more, tallguy. I believe you prevented an anxiety-ridden weekend for our household.
I linked the Social Safety reg, however all the time confirm any feedback with the official supply, the Social Safety Administration.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
tallguy3891 wrote: ↑Fri Sep 06, 2024 4:12 pm
Additionally, they need to let their different insurance coverage know they’ll have Components A and B as of no matter date, to allow them to do “coordination of advantages” as to which insurance coverage pays first or second.As well as, being on Components A and B, they may be eligible for Medigap supplemental insurance coverage, Half D Prescription protection, or a Medicare Benefit Plan, that are fully different matters with their very own timeframes.
Sure, we’re conscious of all this. And the “different protection” goes away fully on April 1, 2025 (the date the member of the family turns into coated by Medicare and has been signed up for Half A, B & D and has a Half B complement, most likely United Healthcare).
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Goodman60 wrote: ↑Fri Sep 06, 2024 2:50 pm
I am concerned in a really uncommon state of affairs concerning a member of the family who has been disabled for over 30 years and has been receiving Social Safety Incapacity and Medicare Half A. The household owns a small enterprise (lower than 20 staff) and has been capable of cowl that particular person on their small enterprise group medical health insurance as a member of the family and former principal within the enterprise. This was achieved as a result of, in accordance 30+ yr outdated reminiscence, they had been advised that so long as the disabled particular person has group medical health insurance, they might not need to take Half B and there could be no penalty if and when the opposite well being protection ended. The disabled member of the family will quickly be age 65 and went to a Medicare insurance coverage dealer to see what to do. They had been advised that Medicare may implement a whopping penalty, each month for the remainder of their life, as a result of the “different protection” was not a part of a bunch of greater than 20. In fact everybody concerned is worried. The dealer first thought that Medicare “resets” at age 65, and that failure to take Half B years earlier on the onset of incapacity wouldn’t matter. However that dealer checked later with the next up who raised this concern, pondering that there is probably not a “reset”, solely a document of 30+ years of not claiming Half B with no various protection that has greater than 20 group members. On the Medicare.gov web site, the disabled member of the family can see the employer protection underneath “Different Insurance coverage” and it is listed as “. Just a few questions:
1. Is it attainable that there actually is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any attainable penalty from earlier than turns into moot and the claimant is handled like anybody else reaching age 65?
2. If not, will they actually assess a ten% penalty multiplied by 30 years or a 300%+ penalty?
3. Did one thing change from 30+ years in the past that maybe the household ought to have been conscious of? Was the 20 member group factor all the time a factor?
4. Is there an enchantment course of for conditions like this which are “historical”?
5. Is there extra that we’re lacking right here that anybody can add that will likely be useful or a minimum of informative?
Thanks for assist with this.
Additionally they get a do over for the half D late enrollment penalty at age 65 in case the group rx protection will not be thought of creditable protection and they won’t be required to attest to having prior creditable protection.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
cashmoney wrote: ↑Fri Sep 06, 2024 4:25 pmGoodman60 wrote: ↑Fri Sep 06, 2024 2:50 pm
I am concerned in a really uncommon state of affairs concerning a member of the family who has been disabled for over 30 years and has been receiving Social Safety Incapacity and Medicare Half A. The household owns a small enterprise (lower than 20 staff) and has been capable of cowl that particular person on their small enterprise group medical health insurance as a member of the family and former principal within the enterprise. This was achieved as a result of, in accordance 30+ yr outdated reminiscence, they had been advised that so long as the disabled particular person has group medical health insurance, they might not need to take Half B and there could be no penalty if and when the opposite well being protection ended. The disabled member of the family will quickly be age 65 and went to a Medicare insurance coverage dealer to see what to do. They had been advised that Medicare may implement a whopping penalty, each month for the remainder of their life, as a result of the “different protection” was not a part of a bunch of greater than 20. In fact everybody concerned is worried. The dealer first thought that Medicare “resets” at age 65, and that failure to take Half B years earlier on the onset of incapacity wouldn’t matter. However that dealer checked later with the next up who raised this concern, pondering that there is probably not a “reset”, solely a document of 30+ years of not claiming Half B with no various protection that has greater than 20 group members. On the Medicare.gov web site, the disabled member of the family can see the employer protection underneath “Different Insurance coverage” and it is listed as “. Just a few questions:
1. Is it attainable that there actually is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any attainable penalty from earlier than turns into moot and the claimant is handled like anybody else reaching age 65?
2. If not, will they actually assess a ten% penalty multiplied by 30 years or a 300%+ penalty?
3. Did one thing change from 30+ years in the past that maybe the household ought to have been conscious of? Was the 20 member group factor all the time a factor?
4. Is there an enchantment course of for conditions like this which are “historical”?
5. Is there extra that we’re lacking right here that anybody can add that will likely be useful or a minimum of informative?
Thanks for assist with this.
Additionally they get a do over for the half D late enrollment penalty at age 65 in case the group rx protection will not be thought of creditable protection and they won’t be required to attest to having prior creditable protection.
Additionally good to know. Thanks.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Your assertion is complicated. Would the 30 yr outdated in query, who has been getting Medicare Half A for 30+ years because of incapacity, maybe NOT qualify for Age 65 retirement Medicare? I truly suppose this particular person did work 40 quarters earlier than incapacity however I’m unsure. How might they’ve certified for Social Safety Incapacity and Medicare because of incapacity and maybe not qualify for normal retirement Medicare at age 65?
EDIT: I appear to recall that there was a lesser variety of quarters of employment required due to the claimants younger age. So may that “lower than 40 quarters however sufficient to qualify for incapacity because of younger age” not be sufficient to qualify for age 65 Medicare? I think factor will work as anticipated however your submit might use some readability/ comply with up. Thanks.