If you have employer coverage when approaching Medicare eligibility, review your circumstances with the employer’s benefits administrator and Social Security. Ask which coverage pays first, whether delaying Part B is appropriate, whether prescription coverage is creditable and which enrollment deadlines apply. Coverage based on current employment is not treated the same as COBRA or retiree coverage for all Medicare enrollment rules. Employer size, the reason for Medicare eligibility and other facts can matter. Get guidance before delaying enrollment or ending existing coverage.
How disability income insurance works
November 1, 2026
