Special Enrollment Period for Medicare - Working Past 65

When you’re eligible to delay enrollment in Medicare because you have creditable employer coverage, you will qualify for an 8-month Special Enrollment Period (SEP). During this time, you’ll be able to enroll in Medicare.

Your Special Enrollment Period begins when you retire or lose your employer coverage, whichever happens first. You will have up to 8 months to enroll in Parts A and/or B, but only the first two months to enroll in Parts C and/or D.


Get Your Medicare Special Enrollment Dates

Find your Special Enrollment Period dates using this simple tool or select the tab that matches your situation. 

Note: You are not eligible for Special Enrollment Period when your COBRA or retiree coverage ends. However, you may be eligible for a different Special Enrollment Period.

Qualifying Disability
Check the box if you have the following:

Check the box if you have the following:

Note: This information is used only to help calculate your enrollment dates.

-OR-

Enter date you began receiving disability benefits.

Note: This information is used only to help calculate your enrollment dates.

Enter date you began receiving disability benefits.

Note: This information is used only to help calculate your enrollment dates.

Initial Enrollment Period: Began receiving disability benefits in .

Enrollment period

25th month of receiving disability benefits

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Medicare Coverage and ALS

You are automatically enrolled in Original Medicare Part A and Part B the month your Social Security disability benefits begin when you have ALS. It’s a good idea to apply for these benefits as soon as you are diagnosed, since there may be a waiting period before they kick in.

Even though you are enrolled in Original Medicare automatically, you may still make other Medicare coverage choices, such as adding Medicare Part D prescription drug coverage or choosing a Medicare Advantage plan.

Medicare Coverage and ESRD

You may get Medicare benefits at any age if you have ESRD and one of the following applies:

  • You are eligible for Medicare based on your work record.
  • You are already getting Social Security or Railroad Retirement Board benefits, or you are eligible for benefits.
  • Your spouse or parent meets one of the above requirements.

Medicare coverage starts the fourth month you receive dialysis treatments. For example, your Medicare coverage would start on October 1 if you start getting your dialysis treatments in July.

Medicare coverage could start the first month you receive treatments if all of these apply:

  • You attend a home dialysis training program provided by a Medicare-certified training facility.
  • Your doctor expects you to complete the training and be able to do your own dialysis treatments.
  • You maintain regular dialysis treatments throughout the usual required waiting period.

You must enroll in Original Medicare Parts A and B yourself. Once you have both Part A and Part B, you may make other Medicare coverage choices, such as adding Medicare Part D prescription drug coverage or choosing a Medicare Advantage plan.

If you are 65 or older, or disabled, and are already enrolled in Part A, you may enroll in Part B without penalty if you are approved for Medicare based on ESRD. You may also have an existing Part B late enrollment penalty removed.

Enter your retirement date or the date you're losing your employer coverage (whichever happens first).

Note: This information is used only to help calculate your enrollment dates.


Special Enrollment for Parts A and B: Retiring or losing coverage in .

ENROLLMENT PERIOD

RETIREMENT DATE (OR DATE YOUR COVERAGE ENDS)

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Special Enrollment Period for Parts C and D: Retiring or losing coverage in

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Enter your date of birth

Note: This information is used only to help calculate your enrollment dates.


Initial Enrollment Period: Turning 65 on

Enrollment Period

Birth Month (Or Month Prior if Born on the 1st)

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How to Use Your Special Enrollment Period

When you’re ready to enroll in Medicare, you will have a full 8 months to enroll in Parts A and/or B but only the first two months of this period to enroll in Parts C and/or D. Watch the video and use the graphics below to help you understand how to enroll during your Special Enrollment Period after you lose employer coverage or stop working.

Special Enrollment Period - Working Past 65

Video transcript

During your Special Enrollment Period, you have 8 months to enroll in Part B, and Part A, if you haven’t already, and you will have 2 months to enroll in a Medicare Advantage (Part C) or a Part D prescription drug plan.

8 months to enroll

2 months to enroll