An employee who keeps employer group health coverage after age 65 may delay Medicare Part B without penalty and then enroll during a Special Enrollment Period of:
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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 Medicare Part B allows people who were covered by employer group health insurance after turning 65 to delay Part B without penalty. The SEP lasts for 8 months, beginning the month after group coverage ends or employment ends, whichever comes first. Enrolling during this window avoids the Part B late-enrollment penalty. The 8-month SEP is longer than the 7-month initial window and is specifically designed for working seniors with group coverage, so signing up inside it carries no premium surcharge for the delayed Part B enrollment.
Why the other options are wrong
- B) 4 months is not the Part B SEP duration; the protected window for employer group coverage is 8 months.
- C) The SEP runs from the end of group coverage or employment, whichever comes first, not simply 12 months after retirement.
- D) The SEP is 8 months, not 2 years, and enrolling after it closes generally triggers the late-enrollment penalty.
Memory hook
Working seniors get 8 months after group coverage ends to sign up for Part B, penalty-free.