If you keep working past 65 and stay on employer or union group coverage, you may qualify for a Special Enrollment Period (SEP) to sign up for Part B without a late penalty. The SEP generally lasts 8 months, starting the month after your employment or the group coverage ends — whichever happens first. Enter the month your coverage (or job) ends to see your window.
Note: COBRA and retiree coverage do not count as active employer coverage for this SEP. If your job ends and you move to COBRA, your 8-month window usually starts when the job ended, not when COBRA ends.
Why this matters
Enrolling during your Special Enrollment Period avoids the lifelong Part B late-enrollment penalty. Missing it can mean higher premiums for as long as you have Part B, plus a possible gap until the next General Enrollment Period. If you're close to this transition, it's worth confirming your exact dates with a licensed agent or 1-800-MEDICARE.
For educational estimates only. This tool gives a general estimate based on the numbers you enter. It is not a quote, an application, or a determination of benefits, eligibility, or price. Nothing is stored from what you type here — the estimate is calculated in your browser.
Figures that change every year — such as the standard Part B premium, the Part D national base beneficiary premium, and IRMAA income brackets — are entered by you so the math always reflects the current year. Always verify current amounts at Medicare.gov or 1‑800‑MEDICARE.
Maru Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
Licensed independent insurance agent (NPN 22261820) · WA & FL
Written and reviewed by Vadim Marusin, a licensed independent insurance agent. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.