Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
An individual age 65 continues working with employer group coverage and delays enrolling in Medicare Part B. When the employer coverage ends, the individual may enroll in Part B during a Special Enrollment Period that lasts up to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A Special Enrollment Period (SEP) for Part B is available to individuals who delayed enrollment because they were covered by group health insurance through their own or a spouse's active employment. The SEP begins when the employment or the group coverage ends and lasts for eight months. Enrolling during this window generally avoids the Part B late enrollment penalty, provided the individual enrolls before the SEP expires.
Why the other options are wrong
- B) Three months is the length of the initial enrollment window before the birthday month, not the SEP duration after employer coverage ends.
- C) The SEP for Part B following loss of employer coverage is eight months, not twelve.
- D) Two years exceeds the SEP window; delay beyond eight months typically triggers the late enrollment penalty.
Memory hook
Left employer coverage? You get 8 months of Part B Special Enrollment. Enroll in time to dodge the penalty.