Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
An employee who keeps working past age 65 with employer group health coverage, then retires and loses that coverage, has a special enrollment period (SEP) of how many months to enroll in Medicare Part B without penalty?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A person covered by employer group health coverage after turning 65 can delay Part B and later enroll during an 8-month special enrollment period that begins when the employment ends or the group coverage ends, whichever comes first. Enrolling within this SEP avoids the Part B late enrollment penalty. This protection exists so that people who legitimately kept working coverage are not penalized.
Why the other options are wrong
- B) 3 months does not match the SEP; the window is 8 months.
- C) 6 months is the Medigap open enrollment period, not the Part B employer-coverage SEP.
- D) 12 months exceeds the SEP; the correct window is 8 months.
Memory hook
Working past 65 with group coverage? You get an 8-month SEP when it ends.