Applying for Medicare Only 
If you are within three months of age 65 or older and not ready to start your monthly Social Security benefits yet , you can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later. Before you decide , you need to be sure that you understand how waiting until later will affect : the lifetime benefits we can pay on your account and your health insurance coverage. 

Lifetime Benefits We Can Pay On Your Record 
You can start your retirement benefit at any point from age 62 up until age 70. Your benefit amountwill be higher the longer you delay starting it. This adjustment is usually permanent. If you: Apply for benefits before full retirement age , your benefitswill be reduced because you are taking them earlier. (Full retirement age is 66 for people born between 1943 and 1954. Beginning with 1955, two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 or later.) If your full retirement age is 66 and you decideto start your retirement benefits at age 65 , your benefit will be 93.33 percent of yourfull benefit amount. Delay receiving retirement benefits until after you reach full retirementage any month up to age 70 , you can increase your benefit by accumulating Delayed Retirement Credits. If your full retirement age is 66 and 2 months and you wait until age 70 , your benefitwill be 130.67 percent of your full retirement age benefit. Have family members who qualify for benefits, a delay meansyou would lose some of the benefits they might have received. However , delaying benefitsalso increases the maximum monthly survivors benefit your spouse may receive. 

If You Plan To Continue Working 
Even if you plan to continue working , you may still be able to receive some benefits. If you areunder full retirement age and you earn over a certain amount , we will deduct the excess earnings from your benefits. If you delay r

user: I need a little help, I want to find out about Part B, Medical insurance

assistant: Have you signed up for Medicare?

user: no I haven't that I know of

user: I heard about a special enrollment period and wondered if it was for people like me...is it?

assistant: Are you 65 or older and under a group health plan by an employer?

user: no

user: and I don't have to do it at age 65, you said I could do it at older right?

assistant: You can put it off, but if you do not choose to enroll in Medicare Part B and then decide to do so later your coverage may be delayed and you may have to pay a higher monthly premium unless you qualify for a " Special Enrollment Period , " or SEP .

user: is this a need or should do that I sign up for Part B at 65?

assistant: you may not need to apply for Medicare supplementary medical insurance Part B at age 65. You may qualify for a Special Enrollment Period that will let you sign up for Part B during another time.

user: I'm a little more informed but still could use more info. Do you guys have something I could look at to learn more about Special Enrollment Periods?

assistant: Yes we do. If you want to learn more about enrollment periods for Part B please read the information in our " " booklet or talk to your personnel office before you decide .