Q & A
Tricare Help: Working past age 65 and TFL: the facts
Full Question: I am a 67-year-old military retiree on Tricare for Life. My wife will turn 65 this year and become eligible for Medicare, but will not retire and start collecting Social Security until she turns 66. At the moment, she’s enrolled and covered by her employer’s medical and drug coverage, with Tricare as her second payer. She has three questions:
1. If she does not enroll in Medicare when she first becomes eligible in a few months and instead continues to use her employer’s medical and drug coverage, will she still have Tricare as a second payer as long as she continues her employer coverage?
2. Will she incur any penalties if she does not enroll in Medicare immediately but does so later?
3. When she is no longer employed, can she choose not to enroll in Medicare and instead purchase other qualifying medical insurance at her own expense and still have Tricare as second payer for as long as she lives?
Answer: If your wife wants to remain covered by her employer plan after she reaches age 65, she is free to do so. Individuals who are still working and covered by an employer plan at age 65 may delay enrollment in Medicare as long as they continue to work and carry employer coverage. Read more…
Source: marinecorpstimes.com – May 14, 2014
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