Non-investing private finance points together with insurance coverage, credit score, actual property, taxes, employment and authorized points resembling trusts and wills.
Medicare From Disability Convert at Age 65 To Medicare Retirement
A number of questions:
1. Is it doable that there actually is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any doable 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 at all times a factor?
4. Is there an enchantment course of for conditions like this which might be “historic”?
5. Is there extra that we’re lacking right here that anybody can add that can be useful or not less than informative?
Thanks for assist with this.
- Posts: 877
- 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 2:50 pm
I am concerned in a really uncommon state of affairs relating to 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 workers) 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 This was completed as a result of, in accordance 30+ yr outdated reminiscence, they had been instructed that so long as the disabled particular person has group medical health insurance, they might not should take Half B and there can 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 instructed that Medicare would possibly 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. After all everybody concerned is anxious. 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 a better up who raised this concern, considering that there might not be a “reset”, solely a document of 30+ years of not claiming Half B with no different 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 beneath “Different Insurance coverage” and it is listed as “. A number of questions:
1. Is it doable that there actually is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any doable 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 at all times a factor?
4. Is there an enchantment course of for conditions like this which might be “historic”?
5. Is there extra that we’re lacking right here that anybody can add that can be useful or not less than informative?
Thanks for assist with this.
See the connected hyperlink from the SSA regs relating to this:
When does this particular person flip 65? That is CRUCIAL info.
1. In line 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 speculated to in the course of the age 65 Preliminary Enrollment Interval, there can be no late penalty for Half B. See A.3.b–this is no matter how lengthy that they had Half A solely and had been on SSA incapacity. After all, 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 connected hyperlink from the SSA regs relating to this:When does this particular person flip 65? That is CRUCIAL info.
1. In line 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 speculated to in the course of the age 65 Preliminary Enrollment Interval, there can be no late penalty for Half B. See A.3.b–this is no matter how lengthy that they had Half A solely and had been on SSA incapacity.
Wow! That is critically excellent news, I believe. Age 65 is April 2025. It isn’t clear why that is essential, apart from to ensure that it isn’t already previous the age 65 “no penalty” interval, which it’s not. Does that change something? I do not suppose so however maybe I am fallacious.
I can not fault the dealer actually, for stirring this hornet’s nest, as a result of it is actually a unicorn state of affairs. Nevertheless it seems, from this, that the dealer’s concern shouldn’t be a priority in spite of everything and our member of the family will be capable to enroll in Medicare Half B at age 65, like another age 65 enrollee, with no penalties. Once more, thanks so very a lot for discover this. Do you imagine I’m deciphering this accurately?
- Posts: 877
- 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 3:40 pmtallguy3891 wrote: ↑Fri Sep 06, 2024 3:27 pm
See the connected hyperlink from the SSA regs relating to this:When does this particular person flip 65? That is CRUCIAL info.
1. In line 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 speculated to in the course of the age 65 Preliminary Enrollment Interval, there can be no late penalty for Half B. See A.3.b–this is no matter how lengthy that they had Half A solely and had been on SSA incapacity.
Wow! That is critically excellent news, I believe. Age 65 is April 2025. Does that change something? I do not suppose so however maybe I am fallacious. I can not fault the dealer actually, as a result of it is actually a unicorn state of affairs. Nevertheless it seems, from this, that our member of the family will be capable to enroll in Medicare Half B at age 65 like another 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 way of July 31, 2025. If they need Half B protection efficient April 1, my private opinion is to enroll in January 2025 to present 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 connected hyperlink from the SSA regs relating to this:When does this particular person flip 65? That is CRUCIAL info.
1. In line 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 speculated to in the course of the age 65 Preliminary Enrollment Interval, there can be no late penalty for Half B. See A.3.b–this is no matter how lengthy that they had Half A solely and had been on SSA incapacity.
Wow! That is critically excellent news, I believe. Age 65 is April 2025. Does that change something? I do not suppose so however maybe I am fallacious. I can not fault the dealer actually, as a result of it is actually a unicorn state of affairs. Nevertheless it seems, from this, that our member of the family will be capable to enroll in Medicare Half B at age 65 like another 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 way of July 31, 2025. If they need Half B protection efficient April 1, my private opinion is to enroll in January 2025 to present time for processing.
It would occur on Thursday January 2, 2025.
Thanks once more, tallguy. I believe you prevented an anxiety-ridden weekend for our household.
- Posts: 877
- Joined: Sat Jul 03, 2021 10:47 am
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Post
by tallguy3891 »
As well as, being on Elements A and B, they may be eligible for Medigap supplemental insurance coverage, Half D Prescription protection, or a Medicare Benefit Plan, that are completely different subjects with their very own timeframes.
- Posts: 877
- 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 connected hyperlink from the SSA regs relating to this:When does this particular person flip 65? That is CRUCIAL info.
1. In line 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 speculated to in the course of the age 65 Preliminary Enrollment Interval, there can be no late penalty for Half B. See A.3.b–this is no matter how lengthy that they had Half A solely and had been on SSA incapacity.
Wow! That is critically excellent news, I believe. Age 65 is April 2025. Does that change something? I do not suppose so however maybe I am fallacious. I can not fault the dealer actually, as a result of it is actually a unicorn state of affairs. Nevertheless it seems, from this, that our member of the family will be capable to enroll in Medicare Half B at age 65 like another 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 way of July 31, 2025. If they need Half B protection efficient April 1, my private opinion is to enroll in January 2025 to present time for processing.
It would 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 at all times 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 are going to have Elements 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 Elements A and B, they may be eligible for Medigap supplemental insurance coverage, Half D Prescription protection, or a Medicare Benefit Plan, that are completely different subjects 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 lined 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 relating to 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 workers) 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 completed as a result of, in accordance 30+ yr outdated reminiscence, they had been instructed that so long as the disabled particular person has group medical health insurance, they might not should take Half B and there can 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 instructed that Medicare would possibly 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. After all everybody concerned is anxious. 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 a better up who raised this concern, considering that there might not be a “reset”, solely a document of 30+ years of not claiming Half B with no different 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 beneath “Different Insurance coverage” and it is listed as “. A number of questions:
1. Is it doable that there actually is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any doable 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 at all times a factor?
4. Is there an enchantment course of for conditions like this which might be “historic”?
5. Is there extra that we’re lacking right here that anybody can add that can be useful or not less than 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 shouldn’t 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 relating to 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 workers) 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 completed as a result of, in accordance 30+ yr outdated reminiscence, they had been instructed that so long as the disabled particular person has group medical health insurance, they might not should take Half B and there can 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 instructed that Medicare would possibly 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. After all everybody concerned is anxious. 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 a better up who raised this concern, considering that there might not be a “reset”, solely a document of 30+ years of not claiming Half B with no different 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 beneath “Different Insurance coverage” and it is listed as “. A number of questions:
1. Is it doable that there actually is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any doable 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 at all times a factor?
4. Is there an enchantment course of for conditions like this which might be “historic”?
5. Is there extra that we’re lacking right here that anybody can add that can be useful or not less than 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 shouldn’t 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 64 yr outdated in query, who has been getting Medicare Half A for 30+ years on account of incapacity, maybe NOT qualify for Age 65 retirement Medicare? I really suppose this particular person did work 40 quarters earlier than incapacity however I’m unsure. How may they’ve certified for Social Safety Incapacity and Medicare on account 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 at incapacity. So would possibly that “lower than 40 quarters however sufficient to qualify for incapacity on account of younger age” not be sufficient to qualify for age 65 Medicare? I do know that the tax code, as an example, has loads of illogical stuff. However would the Federal authorities have a “destructive loophole” that can qualify somebody for Medicare on account of a incapacity, however then successfully bar that particular person from getting any well being protection at age 65 as a result of they grew to become disabled earlier than working 40 quarters. Your publish implies that and I do know you’re a very credible poster. However this simply would not appear proper (though something is feasible).
I think it will work as anticipated, however your publish may use some readability/comply with up. Thanks.
- Posts: 877
- Joined: Sat Jul 03, 2021 10:47 am
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Post
by tallguy3891 »
Goodman60 wrote: ↑Sat Sep 07, 2024 6:22 amYour assertion is complicated. Would the 64 yr outdated in query, who has been getting Medicare Half A for 30+ years on account of incapacity, maybe NOT qualify for Age 65 retirement Medicare? I really suppose this particular person did work 40 quarters earlier than incapacity however I’m unsure. How may they’ve certified for Social Safety Incapacity and Medicare on account 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 at incapacity. So would possibly that “lower than 40 quarters however sufficient to qualify for incapacity on account of younger age” not be sufficient to qualify for age 65 Medicare? I do know that the tax code, as an example, has loads of illogical stuff. However would the Federal authorities have a “destructive loophole” that can qualify somebody for Medicare on account of a incapacity, however then successfully bar that particular person from getting any well being protection at age 65 as a result of they grew to become disabled earlier than working 40 quarters. Your publish implies that and I do know you’re a very credible poster. However this simply would not appear proper (though something is feasible).
I think it will work as anticipated, however your publish may use some readability/comply with up. Thanks.
Discovered this:
https://www.hhs.gov/answers/medicare-an … index.html
Word the data beneath the Half A bit.
Would appear good to confirm with Social Safety Administration.