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Medicare From Disability Convert at Age 65 To Medicare Retirement
A number of questions:
1. Is it potential that there really is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any potential 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 attraction course of for conditions like this which can be “historic”?
5. Is there extra that we’re lacking right here that anybody can add that will likely be useful or at the least 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 scenario 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 in a position to cowl that individual on their small enterprise group medical health insurance as a member of the family and former principal within the enterprise. This was finished as a result of, in accordance 30+ 12 months previous reminiscence, they had been informed that so long as the disabled individual has group medical health insurance, they’d not must 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 informed 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 gaggle 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, pondering that there will not be a “reset”, solely a file 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 potential that there really is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any potential 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 attraction course of for conditions like this which can be “historic”?
5. Is there extra that we’re lacking right here that anybody can add that will likely be useful or at the least informative?
Thanks for assist with this.
See the hooked up hyperlink from the SSA regs concerning this:
When does this individual flip 65? That is CRUCIAL info.
1. In keeping with this, even when the individual 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 rely towards a late penalty, in different phrases, if the individual enrolls when they’re imagined to through 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 working.
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 individual flip 65? That is CRUCIAL info.
1. In keeping with this, even when the individual 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 rely towards a late penalty, in different phrases, if the individual enrolls when they’re imagined to through 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 significantly excellent news, I believe. Age 65 is April 2025. It isn’t clear why that is essential, apart from to make certain 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 really a unicorn scenario. However it seems, from this, that the dealer’s concern just isn’t a priority in any case 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 decoding 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 individual flip 65? That is CRUCIAL info.
1. In keeping with this, even when the individual 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 rely towards a late penalty, in different phrases, if the individual enrolls when they’re imagined to through 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 significantly 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 really a unicorn scenario. However 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 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 hooked up hyperlink from the SSA regs concerning this:When does this individual flip 65? That is CRUCIAL info.
1. In keeping with this, even when the individual 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 rely towards a late penalty, in different phrases, if the individual enrolls when they’re imagined to through 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 significantly 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 really a unicorn scenario. However 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 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 should 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 is also eligible for Medigap supplemental insurance coverage, Half D Prescription protection, or a Medicare Benefit Plan, that are solely different matters with their very own timeframes.
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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 individual flip 65? That is CRUCIAL info.
1. In keeping with this, even when the individual 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 rely towards a late penalty, in different phrases, if the individual enrolls when they’re imagined to through 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 significantly 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 really a unicorn scenario. However 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 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 should 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’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 is also eligible for Medigap supplemental insurance coverage, Half D Prescription protection, or a Medicare Benefit Plan, that are solely 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 scenario 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 in a position to cowl that individual on their small enterprise group medical health insurance as a member of the family and former principal within the enterprise. This was finished as a result of, in accordance 30+ 12 months previous reminiscence, they had been informed that so long as the disabled individual has group medical health insurance, they’d not must 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 informed 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 gaggle 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, pondering that there will not be a “reset”, solely a file 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 potential that there really is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any potential 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 attraction course of for conditions like this which can be “historic”?
5. Is there extra that we’re lacking right here that anybody can add that will likely be useful or at the least 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 just isn’t 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 scenario 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 in a position to cowl that individual on their small enterprise group medical health insurance as a member of the family and former principal within the enterprise. This was finished as a result of, in accordance 30+ 12 months previous reminiscence, they had been informed that so long as the disabled individual has group medical health insurance, they’d not must 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 informed 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 gaggle 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, pondering that there will not be a “reset”, solely a file 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 potential that there really is a “reset” at age 65, when going from Medicare incapacity to Medicare retirement, so any potential 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 attraction course of for conditions like this which can be “historic”?
5. Is there extra that we’re lacking right here that anybody can add that will likely be useful or at the least 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 just isn’t 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 12 months previous in query, who has been getting Medicare Half A for 30+ years resulting from incapacity, maybe NOT qualify for Age 65 retirement Medicare? I truly suppose this individual did work 40 quarters earlier than incapacity however I’m undecided. How may they’ve certified for Social Safety Incapacity and Medicare resulting from 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 may that “lower than 40 quarters however sufficient to qualify for incapacity resulting from younger age” not be sufficient to qualify for age 65 Medicare? I do know that the tax code, as an illustration, has numerous illogical stuff. However would the Federal authorities have a “destructive loophole” that can qualify somebody for Medicare resulting from a incapacity, however then successfully bar that individual from getting any well being protection at age 65 as a result of they turned disabled earlier than working 40 quarters. Your publish implies that and I do know you’re a very credible poster. However this simply does not appear proper (though something is feasible).
I believe it will work as anticipated, however your publish may use some readability/observe up. Thanks.
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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 12 months previous in query, who has been getting Medicare Half A for 30+ years resulting from incapacity, maybe NOT qualify for Age 65 retirement Medicare? I truly suppose this individual did work 40 quarters earlier than incapacity however I’m undecided. How may they’ve certified for Social Safety Incapacity and Medicare resulting from 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 may that “lower than 40 quarters however sufficient to qualify for incapacity resulting from younger age” not be sufficient to qualify for age 65 Medicare? I do know that the tax code, as an illustration, has numerous illogical stuff. However would the Federal authorities have a “destructive loophole” that can qualify somebody for Medicare resulting from a incapacity, however then successfully bar that individual from getting any well being protection at age 65 as a result of they turned disabled earlier than working 40 quarters. Your publish implies that and I do know you’re a very credible poster. However this simply does not appear proper (though something is feasible).
I believe it will work as anticipated, however your publish may use some readability/observe up. Thanks.
Discovered this:
https://www.hhs.gov/answers/medicare-an … index.html
Be aware the information beneath the Half A bit.
Would appear good to confirm with Social Safety Administration.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
tallguy3891 wrote: ↑Sat Sep 07, 2024 10:37 amGoodman60 wrote: ↑Sat Sep 07, 2024 6:22 amYour assertion is complicated. Would the 64 12 months previous in query, who has been getting Medicare Half A for 30+ years resulting from incapacity, maybe NOT qualify for Age 65 retirement Medicare? I truly suppose this individual did work 40 quarters earlier than incapacity however I’m undecided. How may they’ve certified for Social Safety Incapacity and Medicare resulting from 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 may that “lower than 40 quarters however sufficient to qualify for incapacity resulting from younger age” not be sufficient to qualify for age 65 Medicare? I do know that the tax code, as an illustration, has numerous illogical stuff. However would the Federal authorities have a “destructive loophole” that can qualify somebody for Medicare resulting from a incapacity, however then successfully bar that individual from getting any well being protection at age 65 as a result of they turned disabled earlier than working 40 quarters. Your publish implies that and I do know you’re a very credible poster. However this simply does not appear proper (though something is feasible).
I believe it will work as anticipated, however your publish may use some readability/observe up. Thanks.
Discovered this:
https://www.hhs.gov/answers/medicare-an … index.html
Be aware the information beneath the Half A bit.
Would appear good to confirm with Social Safety Administration.
Thanks for this. However it truly reinforces the necessity for clarification. It says Half A is free at age 65 should you paid Medicare taxes “often at the least 10 years”. What does “often” imply? Is there an exception on this case the place a protracted disabled individual has sufficient employment quarters to have certified for incapacity, years in the past, however doesn’t have the 40 quarters “often” required at age 65?
It additionally says Half A is free if you’re gathering Social Safety incapacity funds. On this case, that ought to proceed for two extra years to age 67 when Social Safety will convert to retirement, not incapacity, funds. Will Half A require cost at age 67 as a result of there weren’t 40 quarters? Once more, frequent sense and the phrase “often” recommend no cost will likely be required, however verification can be appreciated.
Frequent sense and the place the rules ARE spelled out recommend that our member of the family will likely be handled, at age 65 and 67, for Medicare functions, as in the event that they labored 40 quarters. The phrase “often” is the important thing to my pondering on this. However this one concern nonetheless has not been truly verified right here. I’m hoping somebody can make clear this.
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Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Post
by tallguy3891 »
Goodman60 wrote: ↑Sat Sep 07, 2024 10:59 amtallguy3891 wrote: ↑Sat Sep 07, 2024 10:37 amGoodman60 wrote: ↑Sat Sep 07, 2024 6:22 amYour assertion is complicated. Would the 64 12 months previous in query, who has been getting Medicare Half A for 30+ years resulting from incapacity, maybe NOT qualify for Age 65 retirement Medicare? I truly suppose this individual did work 40 quarters earlier than incapacity however I’m undecided. How may they’ve certified for Social Safety Incapacity and Medicare resulting from 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 may that “lower than 40 quarters however sufficient to qualify for incapacity resulting from younger age” not be sufficient to qualify for age 65 Medicare? I do know that the tax code, as an illustration, has numerous illogical stuff. However would the Federal authorities have a “destructive loophole” that can qualify somebody for Medicare resulting from a incapacity, however then successfully bar that individual from getting any well being protection at age 65 as a result of they turned disabled earlier than working 40 quarters. Your publish implies that and I do know you’re a very credible poster. However this simply does not appear proper (though something is feasible).
I believe it will work as anticipated, however your publish may use some readability/observe up. Thanks.
Discovered this:
https://www.hhs.gov/answers/medicare-an … index.html
Be aware the information beneath the Half A bit.
Would appear good to confirm with Social Safety Administration.
Thanks for this. However it truly reinforces the necessity for clarification. It says Half A is free at age 65 should you paid Medicare taxes “often at the least 10 years”. What does “often” imply? Is there an exception on this case the place a protracted disabled individual has sufficient employment quarters to have certified for incapacity, years in the past, however doesn’t have the 40 quarters “often” required at age 65.
It additionally says Half A is free if you’re gathering Social Safety incapacity funds. On this case, that ought to proceed for two extra years to age 67 when Social Safety will convert to retirement advantages. Will Half A require cost at age 67 as a result of there weren’t 40 quarters? Once more, frequent sense and the phrase “often” recommend no cost will likely be required, however verification can be appreciated.
Frequent sense and the place the rules ARE spelled out recommend that our member of the family will likely be handled, at age 65 and 67, for Medicare functions, as in the event that they labored 40 quarters. The phrase “often” is the important thing to my pondering on this. However this one concern nonetheless has not been truly verified right here. I’m hoping somebody can make clear this.
You’re understanding the difficulty accurately in my view.
My opinion is to not depend on feedback, however somewhat to contact Social Safety immediately and converse to a educated worker educated on this. The closest workplace will be discovered on the ssa.gov website, in addition to the telephone quantity(s).
I additionally would ask the rep for the “POMS” reference, the regs which handle this concern. It may be one thing like POMS HI 805 or related….that manner it may possibly probably be discovered on-line.
Btw, so far as already being on Half A and turning 65, it’s potential they could routinely enroll the individual in Half B and they’ll get a brand new Medicare card exhibiting that someday within the few months earlier than the individual turns 65. This may very well be one other query when contacting Social Safety simply to make clear along with different questions.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
tallguy3891 wrote: ↑Sat Sep 07, 2024 11:16 amGoodman60 wrote: ↑Sat Sep 07, 2024 10:59 amtallguy3891 wrote: ↑Sat Sep 07, 2024 10:37 amGoodman60 wrote: ↑Sat Sep 07, 2024 6:22 amYour assertion is complicated. Would the 64 12 months previous in query, who has been getting Medicare Half A for 30+ years resulting from incapacity, maybe NOT qualify for Age 65 retirement Medicare? I truly suppose this individual did work 40 quarters earlier than incapacity however I’m undecided. How may they’ve certified for Social Safety Incapacity and Medicare resulting from 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 may that “lower than 40 quarters however sufficient to qualify for incapacity resulting from younger age” not be sufficient to qualify for age 65 Medicare? I do know that the tax code, as an illustration, has numerous illogical stuff. However would the Federal authorities have a “destructive loophole” that can qualify somebody for Medicare resulting from a incapacity, however then successfully bar that individual from getting any well being protection at age 65 as a result of they turned disabled earlier than working 40 quarters. Your publish implies that and I do know you’re a very credible poster. However this simply does not appear proper (though something is feasible).
I believe it will work as anticipated, however your publish may use some readability/observe up. Thanks.
Discovered this:
https://www.hhs.gov/answers/medicare-an … index.html
Be aware the information beneath the Half A bit.
Would appear good to confirm with Social Safety Administration.
Thanks for this. However it truly reinforces the necessity for clarification. It says Half A is free at age 65 should you paid Medicare taxes “often at the least 10 years”. What does “often” imply? Is there an exception on this case the place a protracted disabled individual has sufficient employment quarters to have certified for incapacity, years in the past, however doesn’t have the 40 quarters “often” required at age 65.
It additionally says Half A is free if you’re gathering Social Safety incapacity funds. On this case, that ought to proceed for two extra years to age 67 when Social Safety will convert to retirement advantages. Will Half A require cost at age 67 as a result of there weren’t 40 quarters? Once more, frequent sense and the phrase “often” recommend no cost will likely be required, however verification can be appreciated.
Frequent sense and the place the rules ARE spelled out recommend that our member of the family will likely be handled, at age 65 and 67, for Medicare functions, as in the event that they labored 40 quarters. The phrase “often” is the important thing to my pondering on this. However this one concern nonetheless has not been truly verified right here. I’m hoping somebody can make clear this.
You’re understanding the difficulty accurately in my view.
My opinion is to not depend on feedback, however somewhat to contact Social Safety immediately and converse to a educated worker educated on this. The closest workplace will be discovered on the ssa.gov website, in addition to the telephone quantity(s).
I additionally would ask the rep for the “POMS” reference, the regs which handle this concern. It may be one thing like POMS HI 805 or related….that manner it may possibly probably be discovered on-line.
Btw, so far as already being on Half A and turning 65, it’s potential they could routinely enroll the individual in Half B and they’ll get a brand new Medicare card exhibiting that someday within the few months earlier than the individual turns 65. This may very well be one other query when contacting Social Safety simply to make clear along with different questions.
If we’ve got to, we are going to contact Social Safety. My concern is that we’ll get improper info from even somebody usually educated there. As a result of it’s a considerably unicorn kind scenario.
My hope is that somebody studying this is aware of the place this, a query about Half A, is spelled out in writing, on-line. And that this will likely be a greater solution to get a particular reply. Just like how somebody posted a definitive reply to my unique query, on this publish, about Half B.
A definitive quotation, in writing, is best than even an skilled Social Safety worker who may suppose they know, but additionally may mistakenly fail to acknowledge the rarity of this example.
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Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Post
by tallguy3891 »
Goodman60 wrote: ↑Sat Sep 07, 2024 11:26 amtallguy3891 wrote: ↑Sat Sep 07, 2024 11:16 amGoodman60 wrote: ↑Sat Sep 07, 2024 10:59 amtallguy3891 wrote: ↑Sat Sep 07, 2024 10:37 amGoodman60 wrote: ↑Sat Sep 07, 2024 6:22 amYour assertion is complicated. Would the 64 12 months previous in query, who has been getting Medicare Half A for 30+ years resulting from incapacity, maybe NOT qualify for Age 65 retirement Medicare? I truly suppose this individual did work 40 quarters earlier than incapacity however I’m undecided. How may they’ve certified for Social Safety Incapacity and Medicare resulting from 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 may that “lower than 40 quarters however sufficient to qualify for incapacity resulting from younger age” not be sufficient to qualify for age 65 Medicare? I do know that the tax code, as an illustration, has numerous illogical stuff. However would the Federal authorities have a “destructive loophole” that can qualify somebody for Medicare resulting from a incapacity, however then successfully bar that individual from getting any well being protection at age 65 as a result of they turned disabled earlier than working 40 quarters. Your publish implies that and I do know you’re a very credible poster. However this simply does not appear proper (though something is feasible).
I believe it will work as anticipated, however your publish may use some readability/observe up. Thanks.
Discovered this:
https://www.hhs.gov/answers/medicare-an … index.html
Be aware the information beneath the Half A bit.
Would appear good to confirm with Social Safety Administration.
Thanks for this. However it truly reinforces the necessity for clarification. It says Half A is free at age 65 should you paid Medicare taxes “often at the least 10 years”. What does “often” imply? Is there an exception on this case the place a protracted disabled individual has sufficient employment quarters to have certified for incapacity, years in the past, however doesn’t have the 40 quarters “often” required at age 65.
It additionally says Half A is free if you’re gathering Social Safety incapacity funds. On this case, that ought to proceed for two extra years to age 67 when Social Safety will convert to retirement advantages. Will Half A require cost at age 67 as a result of there weren’t 40 quarters? Once more, frequent sense and the phrase “often” recommend no cost will likely be required, however verification can be appreciated.
Frequent sense and the place the rules ARE spelled out recommend that our member of the family will likely be handled, at age 65 and 67, for Medicare functions, as in the event that they labored 40 quarters. The phrase “often” is the important thing to my pondering on this. However this one concern nonetheless has not been truly verified right here. I’m hoping somebody can make clear this.
You’re understanding the difficulty accurately in my view.
My opinion is to not depend on feedback, however somewhat to contact Social Safety immediately and converse to a educated worker educated on this. The closest workplace will be discovered on the ssa.gov website, in addition to the telephone quantity(s).
I additionally would ask the rep for the “POMS” reference, the regs which handle this concern. It may be one thing like POMS HI 805 or related….that manner it may possibly probably be discovered on-line.
Btw, so far as already being on Half A and turning 65, it’s potential they could routinely enroll the individual in Half B and they’ll get a brand new Medicare card exhibiting that someday within the few months earlier than the individual turns 65. This may very well be one other query when contacting Social Safety simply to make clear along with different questions.
If we’ve got to, we are going to contact Social Safety. My concern is that we’ll get improper info from even somebody usually educated there. As a result of it’s a considerably unicorn kind scenario.
My hope is that somebody studying this is aware of the place this, a query about Half A, is spelled out in writing, on-line. And that this will likely be a greater solution to get a particular reply. Just like how somebody posted a definitive reply to my unique query, on this publish, about Half B.
A definitive quotation, in writing, is best than even an skilled Social Safety worker who may suppose they know, but additionally may mistakenly fail to acknowledge the rarity of this example.
Some fundamental questions if you’re keen to share the information:
Did this member of the family ever work? If that’s the case, what number of years?
Had been they ever married? If that’s the case, how lengthy, and did the partner work, and the way previous is the partner or ex-spouse now?
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
tallguy3891 wrote: ↑Sat Sep 07, 2024 11:46 amGoodman60 wrote: ↑Sat Sep 07, 2024 11:26 amtallguy3891 wrote: ↑Sat Sep 07, 2024 11:16 amGoodman60 wrote: ↑Sat Sep 07, 2024 10:59 amThanks for this. However it truly reinforces the necessity for clarification. It says Half A is free at age 65 should you paid Medicare taxes “often at the least 10 years”. What does “often” imply? Is there an exception on this case the place a protracted disabled individual has sufficient employment quarters to have certified for incapacity, years in the past, however doesn’t have the 40 quarters “often” required at age 65.
It additionally says Half A is free if you’re gathering Social Safety incapacity funds. On this case, that ought to proceed for two extra years to age 67 when Social Safety will convert to retirement advantages. Will Half A require cost at age 67 as a result of there weren’t 40 quarters? Once more, frequent sense and the phrase “often” recommend no cost will likely be required, however verification can be appreciated.
Frequent sense and the place the rules ARE spelled out recommend that our member of the family will likely be handled, at age 65 and 67, for Medicare functions, as in the event that they labored 40 quarters. The phrase “often” is the important thing to my pondering on this. However this one concern nonetheless has not been truly verified right here. I’m hoping somebody can make clear this.
You’re understanding the difficulty accurately in my view.
My opinion is to not depend on feedback, however somewhat to contact Social Safety immediately and converse to a educated worker educated on this. The closest workplace will be discovered on the ssa.gov website, in addition to the telephone quantity(s).
I additionally would ask the rep for the “POMS” reference, the regs which handle this concern. It may be one thing like POMS HI 805 or related….that manner it may possibly probably be discovered on-line.
Btw, so far as already being on Half A and turning 65, it’s potential they could routinely enroll the individual in Half B and they’ll get a brand new Medicare card exhibiting that someday within the few months earlier than the individual turns 65. This may very well be one other query when contacting Social Safety simply to make clear along with different questions.
If we’ve got to, we are going to contact Social Safety. My concern is that we’ll get improper info from even somebody usually educated there. As a result of it’s a considerably unicorn kind scenario.
My hope is that somebody studying this is aware of the place this, a query about Half A, is spelled out in writing, on-line. And that this will likely be a greater solution to get a particular reply. Just like how somebody posted a definitive reply to my unique query, on this publish, about Half B.
A definitive quotation, in writing, is best than even an skilled Social Safety worker who may suppose they know, but additionally may mistakenly fail to acknowledge the rarity of this example.
Some fundamental questions if you’re keen to share the information:
Did this member of the family ever work? If that’s the case, what number of years?
Had been they ever married? If that’s the case, how lengthy, and did the partner work, and the way previous is the partner or ex-spouse now?
There isn’t any partner. The member of the family labored sufficient years to qualify for incapacity, of their early 30’s. However not 40 quarters. I don’t have any specifics past that.
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Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Post
by tallguy3891 »
Goodman60 wrote: ↑Sat Sep 07, 2024 12:02 pmtallguy3891 wrote: ↑Sat Sep 07, 2024 11:46 amGoodman60 wrote: ↑Sat Sep 07, 2024 11:26 amtallguy3891 wrote: ↑Sat Sep 07, 2024 11:16 amGoodman60 wrote: ↑Sat Sep 07, 2024 10:59 amThanks for this. However it truly reinforces the necessity for clarification. It says Half A is free at age 65 should you paid Medicare taxes “often at the least 10 years”. What does “often” imply? Is there an exception on this case the place a protracted disabled individual has sufficient employment quarters to have certified for incapacity, years in the past, however doesn’t have the 40 quarters “often” required at age 65.
It additionally says Half A is free if you’re gathering Social Safety incapacity funds. On this case, that ought to proceed for two extra years to age 67 when Social Safety will convert to retirement advantages. Will Half A require cost at age 67 as a result of there weren’t 40 quarters? Once more, frequent sense and the phrase “often” recommend no cost will likely be required, however verification can be appreciated.
Frequent sense and the place the rules ARE spelled out recommend that our member of the family will likely be handled, at age 65 and 67, for Medicare functions, as in the event that they labored 40 quarters. The phrase “often” is the important thing to my pondering on this. However this one concern nonetheless has not been truly verified right here. I’m hoping somebody can make clear this.
You’re understanding the difficulty accurately in my view.
My opinion is to not depend on feedback, however somewhat to contact Social Safety immediately and converse to a educated worker educated on this. The closest workplace will be discovered on the ssa.gov website, in addition to the telephone quantity(s).
I additionally would ask the rep for the “POMS” reference, the regs which handle this concern. It may be one thing like POMS HI 805 or related….that manner it may possibly probably be discovered on-line.
Btw, so far as already being on Half A and turning 65, it’s potential they could routinely enroll the individual in Half B and they’ll get a brand new Medicare card exhibiting that someday within the few months earlier than the individual turns 65. This may very well be one other query when contacting Social Safety simply to make clear along with different questions.
If we’ve got to, we are going to contact Social Safety. My concern is that we’ll get improper info from even somebody usually educated there. As a result of it’s a considerably unicorn kind scenario.
My hope is that somebody studying this is aware of the place this, a query about Half A, is spelled out in writing, on-line. And that this will likely be a greater solution to get a particular reply. Just like how somebody posted a definitive reply to my unique query, on this publish, about Half B.
A definitive quotation, in writing, is best than even an skilled Social Safety worker who may suppose they know, but additionally may mistakenly fail to acknowledge the rarity of this example.
Some fundamental questions if you’re keen to share the information:
Did this member of the family ever work? If that’s the case, what number of years?
Had been they ever married? If that’s the case, how lengthy, and did the partner work, and the way previous is the partner or ex-spouse now?
There isn’t any partner. The member of the family labored sufficient years to qualify for incapacity, of their early 30’s. However not 40 quarters. I don’t have any specifics past that.
I’ve not discovered anything on-line which is definitive about that concern however keep in mind that one may get on Half A with out sufficient and even any quarters of protection if it actually does come to that. Possibly that will nonetheless be cheaper than remaining on the non-public insurance coverage? The premium value can be decided by the variety of quarters, however I’ve by no means heard of anybody going from incapacity to retirement the place they needed to then by some means requalify for Medicare with extra quarters of labor. Social Safety can reply that.
As well as, relying on the individual’s earnings and/or belongings, in the event that they qualify for Medicaid, they could be capable to file for QMB and the State would pay the Half A premium even with out sufficient work quarters of protection? See hyperlink to see if it applies.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
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 individual flip 65? That is CRUCIAL info.
1. In keeping with this, even when the individual 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 rely towards a late penalty, in different phrases, if the individual enrolls when they’re imagined to through 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 significantly 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 really a unicorn scenario. However 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 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 should occur on Thursday January 2, 2025.
Thanks once more, tallguy. I believe you prevented an anxiety-ridden weekend for our household.
watch out with that as a result of between jan 1 -march 31 anyone who’s eligible can join half b within the Normal Enrollment Interval and the beginning date of half B defaults to subsequent month so the late enrollment penalty would apply for February and March and will additional complicate issues.I’ve seen many instances had been individuals who had been eligible for a penalty free particular enrollment interval into medicare half B join half B through the Normal Enrollment Interval ( not utilizing the particular half B enrollment course of)and be penalized for late enrollment.Your case is not a particular enrollment since they’re turning 65 however simply one thing to concentrate on.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
cashmoney wrote: ↑Sat Sep 07, 2024 5:41 pmGoodman60 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 individual flip 65? That is CRUCIAL info.
1. In keeping with this, even when the individual 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 rely towards a late penalty, in different phrases, if the individual enrolls when they’re imagined to through 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 significantly 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 really a unicorn scenario. However 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 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 should occur on Thursday January 2, 2025.
Thanks once more, tallguy. I believe you prevented an anxiety-ridden weekend for our household.
watch out with that as a result of between jan 1 -march 31 anyone who’s eligible can join half b within the Normal Enrollment Interval and the beginning date of half B defaults to subsequent month so the late enrollment penalty would apply for February and March and will additional complicate issues.I’ve seen many instances had been individuals who had been eligible for a penalty free particular enrollment interval into medicare half B join half B through the Normal Enrollment Interval ( not utilizing the particular half B enrollment course of)and be penalized for late enrollment.Your case is not a particular enrollment since they’re turning 65 however simply one thing to concentrate on.
Wow. That’s one thing we’d not have thought of. Sure, I can see how the system may not notice {that a} January join April just isn’t a January join February. And mistake taking Half B at age 65, with no penalty, for taking Half B 30+ years right into a Medicare incapacity declare, with potential enormous penalty. Do you recommend that the join be on March 2? Additionally it’s not clear how this works, because the claimant has had Medicare Half A for a few years and Half B was declined manner again. Medicare must be notified that employer protection ends 3/31/25 and Half B must kick in 4/1/25. The mechanics of this have to be totally different than that of the “traditional” 64 12 months previous first signing up for Medicare simply earlier than age 65.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
Goodman60 wrote: ↑Sat Sep 07, 2024 6:52 pmcashmoney wrote: ↑Sat Sep 07, 2024 5:41 pmGoodman60 wrote: ↑Fri Sep 06, 2024 4:08 pmtallguy3891 wrote: ↑Fri Sep 06, 2024 4:04 pmGoodman60 wrote: ↑Fri Sep 06, 2024 3:40 pmWow! That is significantly 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 really a unicorn scenario. However 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 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 should occur on Thursday January 2, 2025.
Thanks once more, tallguy. I believe you prevented an anxiety-ridden weekend for our household.
watch out with that as a result of between jan 1 -march 31 anyone who’s eligible can join half b within the Normal Enrollment Interval and the beginning date of half B defaults to subsequent month so the late enrollment penalty would apply for February and March and will additional complicate issues.I’ve seen many instances had been individuals who had been eligible for a penalty free particular enrollment interval into medicare half B join half B through the Normal Enrollment Interval ( not utilizing the particular half B enrollment course of)and be penalized for late enrollment.Your case is not a particular enrollment since they’re turning 65 however simply one thing to concentrate on.
Wow. That’s one thing we’d not have thought of. Sure, I can see how the system may not notice {that a} January join April just isn’t a January join February. And mistake taking Half B at age 65, with no penalty, for taking Half B 30+ years right into a Medicare incapacity declare, with potential enormous penalty. Do you recommend that the join be on March 2? Additionally it’s not clear how this works, because the claimant has had Medicare Half A for a few years and Half B was declined manner again. Medicare must be notified that employer protection ends 3/31/25 and Half B must kick in 4/1/25. The mechanics of this have to be totally different than that of the “traditional” 64 12 months previous first signing up for Medicare simply earlier than age 65.
I’d wait and even make an appointment with SS to verify it’s 100% clear what you need to do.In case you have a social safety workplace close to you you’ll be able to stroll in to use for medicare with minimal wait time.Whenever you apply on-line at SSA,gov there is no such thing as a area to request begin date of half B so it goes to default date except you might be doing a particular enrollment which this isn’t the case right here.
If employer was lower than 20 staff it isn’t creditable protection to keep away from penalty so cms kind l564 just isn’t used for particular enrollment interval.I’d say they acquired fortunate with there sixty fifth birthday coinciding with the Normal Enrollment Interval.
Re: Medicare From Disability Convert at Age 65 To Medicare Retirement
cashmoney wrote: ↑Sat Sep 07, 2024 7:12 pmGoodman60 wrote: ↑Sat Sep 07, 2024 6:52 pmcashmoney wrote: ↑Sat Sep 07, 2024 5:41 pmGoodman60 wrote: ↑Fri Sep 06, 2024 4:08 pmtallguy3891 wrote: ↑Fri Sep 06, 2024 4:04 pmIf 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 present time for processing.
It should occur on Thursday January 2, 2025.
Thanks once more, tallguy. I believe you prevented an anxiety-ridden weekend for our household.
watch out with that as a result of between jan 1 -march 31 anyone who’s eligible can join half b within the Normal Enrollment Interval and the beginning date of half B defaults to subsequent month so the late enrollment penalty would apply for February and March and will additional complicate issues.I’ve seen many instances had been individuals who had been eligible for a penalty free particular enrollment interval into medicare half B join half B through the Normal Enrollment Interval ( not utilizing the particular half B enrollment course of)and be penalized for late enrollment.Your case is not a particular enrollment since they’re turning 65 however simply one thing to concentrate on.
Wow. That’s one thing we’d not have thought of. Sure, I can see how the system may not notice {that a} January join April just isn’t a January join February. And mistake taking Half B at age 65, with no penalty, for taking Half B 30+ years right into a Medicare incapacity declare, with potential enormous penalty. Do you recommend that the join be on March 2? Additionally it’s not clear how this works, because the claimant has had Medicare Half A for a few years and Half B was declined manner again. Medicare must be notified that employer protection ends 3/31/25 and Half B must kick in 4/1/25. The mechanics of this have to be totally different than that of the “traditional” 64 12 months previous first signing up for Medicare simply earlier than age 65.
I’d wait and even make an appointment with SS to verify it’s 100% clear what you need to do.In case you have a social safety workplace close to you you’ll be able to stroll in to use for medicare with minimal wait time.Whenever you apply on-line at SSA,gov there is no such thing as a area to request begin date of half B so it goes to default date except you might be doing a particular enrollment which this isn’t the case right here.
Wonderful recommendation. We are going to go to the native Social Safety workplace.