Medicare Part B timing confusion with SS retirement benefits starting January 2025

Check "Yes" on the application. When you submit your SS retirement application, you can specify the month you want benefits to begin (January 2025). The Part B enrollment will align with that start date. Since your husband is past his FRA, there's no retroactive benefit issue to worry about. When completing the application, there should be a field where you specify the benefit start month. Make sure that's set to January 2025, and both his SS benefits and Part B will start then. If you're completing this online, there's actually a later screen where you can confirm the Part B start date after checking "Yes" to enrollment.

I went through this EXACT situation last year! Answer YES to Part B but make sure you clearly specify January 2025 as your husband's benefit start month (which it sounds like you're already doing). The SSA rep I spoke with confirmed that Part B will start the same month as your specified SS benefit start date. They won't start Part B early if you're delaying your SS benefit start date. However—and this is important—check the confirmation screen carefully before submitting to make sure all the dates line up correctly. My husband almost had his Part B start a month early because of a date error I didn't catch initially.

YES means you want part B. NO means you don't. Simple as that!! Your starting month is separate question.

Ugh I'm dealing with this right now too! So confusing! My husband retired last month and I've been on hold with SSA for THREE DAYS trying to figure out similar Medicare timing questions. Cannot get through to anyone!!! My sister said we should just check NO on Part B and then fill out form CMS-40B separately with the exact date we want. But I don't know if that's right either!!!

My husband retired last yr & we did this all wrong 😫 Checked NO on Part B thinking we'd enroll later but that caused a HUGE mess with penalties because we missed special enrollment period!!! Took 4 months to fix and cost us an extra $400. Don't make our mistake!!!

Just to provide some additional clarity that might help others too: 1. When you file for SS retirement benefits, checking "Yes" for Part B enrollment doesn't automatically start Part B immediately - it will align with your chosen benefit start date. 2. The Special Enrollment Period (SEP) for Part B when leaving employer coverage lasts for 8 months after employment or group coverage ends (whichever happens first). 3. If your husband is currently past FRA and has employer coverage, he's in an ideal situation - he can specify his benefit start date and Part B will align with it without penalties. 4. Make sure the "Effective date" of his SS retirement benefit is set to January 2025 on the application, and both SS benefits and Part B will start that month. 5. After submission, you'll receive a confirmation notice. Review it carefully and call SSA if anything doesn't match your intended dates.

DON'T TRUST THE ONLINE APPLICATION!!! When I filed last year I checked 'Yes' for Part B and entered my benefit start date but SSA started my Part B THREE MONTHS EARLY and I got billed for premiums while still on my employer plan!!! Had to spend weeks fixing this mess with multiple calls and visits to SS office. Instead call SSA directly and speak to a real person about your situation. Get their name and extension. Ask them to put notes in your file about the EXACT dates you want Part B to start. The online system has tons of glitches with Medicare enrollment timing!!!!

I'm a former benefits coordinator, and I've helped many people through this process. Here's what you should do: 1. Check "Yes" for Part B enrollment on the retirement application. 2. In the section where you specify when you want benefits to begin, enter January 2025. 3. Before finalizing the application, there should be a summary screen - verify all dates match your intentions. 4. After submission, call SSA at 1-800-772-1213 to confirm your application details were processed correctly. Ask specifically about the Part B effective date. 5. Request written confirmation of your Part B start date. The reason people sometimes have issues is that the online system can be confusing. However, if you check "No" for Part B now, you'd need to complete a separate enrollment process later, which might complicate things unnecessarily.

I'm going through this exact same situation right now! My wife turns 67 next month and we're planning to start her SS benefits in January 2025 too. After reading all these responses, I'm definitely going to check "Yes" for Part B but then call SSA about a week after submitting to double-check everything. The conflicting experiences people have shared here are pretty concerning - some had no issues with the online system while others got burned by it starting Part B early. I think the safest approach is what Jasmine suggested: submit online but then verify everything with a phone call. One question for those who've been through this - when you called to verify, did they give you a confirmation number or anything in writing that showed the correct Part B start date? I want to make sure I have documentation in case there are problems later. Thanks everyone for sharing your experiences, both good and bad. This is exactly the kind of real-world advice you can't find on the official SSA website!

As someone who just went through this process last month, I can confirm that checking "Yes" for Part B and specifying January 2025 as your benefit start date should work correctly. However, after reading about the system glitches that @Evan Kalinowski experienced, I'd strongly recommend following @Jasmine Quinn's advice to call SSA after submission to verify everything. When I submitted my application, I got a confirmation screen that clearly showed both my SS benefit start date and Medicare Part B effective date matching at January 1st. About 10 days later, I received a formal notice in the mail confirming these dates. One tip that helped me: when you're on the confirmation screen before submitting, take a screenshot or write down exactly what dates are displayed. That way if there are any discrepancies later, you have documentation of what the system showed you. Also, don't let the conflicting experiences here scare you too much. It sounds like the majority of people have the process work smoothly when they specify their dates clearly. The key is just being proactive about verification rather than assuming everything will be processed correctly. Good luck with your husband's retirement and Medicare enrollment!

I'm a newcomer here but dealing with the exact same timing issue! My husband is 67 and we're planning to start his SS benefits in January 2025 too. Reading through everyone's experiences has been incredibly helpful - it's clear there are some real system glitches to watch out for. Based on what I've learned from this thread, here's my plan: 1. Check "Yes" for Part B on the application 2. Carefully specify January 2025 as the benefit start date 3. Take screenshots of the confirmation screen before submitting 4. Wait about a week, then call SSA to verify both SS and Part B start dates match 5. Request written confirmation and keep detailed notes of any phone conversations The conflicting experiences here are definitely concerning - some people had smooth sailing while others like @Evan Kalinowski got hit with early Part B enrollment despite specifying later dates. But it sounds like the key is being proactive about verification rather than just trusting the online system. One question for the group: For those who had to call SSA multiple times to resolve issues, did you find certain times of day or days of the week when you were more likely to reach someone knowledgeable? I'm already dreading the potential phone tag! Thanks everyone for sharing your real-world experiences - this is so much more useful than the vague official SSA guidance!

New member here! I'm actually going through this exact same situation right now - my spouse turns 67 next month and we're planning to start SS benefits in January 2025. This thread has been incredibly valuable! After reading everyone's experiences, I'm definitely going with the "check YES for Part B" approach, but I'm also planning to be very proactive about verification given some of the system glitch stories shared here. One thing I noticed that might help others: several people mentioned the importance of getting written confirmation, but I'm wondering if anyone has experience with what happens if you DON'T receive that confirmation letter within the expected timeframe? Like if @Mia Roberts mentioned getting confirmation in about 2 weeks, at what point should someone start making follow-up calls if nothing arrives? Also, for those who successfully navigated this process - did you end up needing to contact Medicare directly as well, or did everything get coordinated through SSA? I want to make sure I'm not missing any steps in the process. Thanks to everyone who shared their experiences, both positive and negative. The real-world insights here are so much more helpful than the official government websites!

As a newcomer here, I'm finding this discussion incredibly helpful! I'm in almost the identical situation - my husband will be 67 in December and we're planning to start his SS benefits in January 2025. He's been on Medicare Part A since 65 but stayed on his employer's group plan. Reading through everyone's experiences, it's clear that while most people have success with checking "Yes" for Part B and specifying January as the start date, the verification step is absolutely crucial given some of the system glitches people have encountered. I'm particularly concerned after reading @Evan Kalinowski's experience with Part B starting early despite specifying a later date. That $500 mistake is exactly what we're trying to avoid! The screenshot tip from @Keisha Williams seems brilliant - documenting what the system shows before submitting could be vital evidence if there are processing errors. My plan based on all your advice: - Check YES for Part B enrollment - Specify January 2025 benefit start date very clearly - Screenshot the confirmation screen - Wait 5-7 days then call SSA to verify (trying early morning or late afternoon) - Request written confirmation with specific Part B effective date - Follow up if no confirmation letter arrives within 3 weeks Thank you all for sharing both your successes and challenges - this real-world insight is invaluable for navigating what seems like a needlessly complicated process!

As a newcomer to this community, I'm so grateful to have found this thread! My wife is turning 67 next month and we're planning to start her SS benefits in January 2025. She's been on Medicare Part A since 65 but has kept her employer coverage until now. Reading through everyone's experiences has been both helpful and nerve-wracking - it's clear that while the process usually works smoothly, there are definitely some system glitches to watch out for. The stories from @Evan Kalinowski about Part B starting early despite specifying later dates, and @Oscar Murphy's penalty situation really show how important it is to get this right the first time. Based on all the advice shared here, I'm planning to: 1. Check "YES" for Part B on the retirement application 2. Clearly specify January 2025 as the benefit start date 3. Take screenshots of all confirmation screens before submitting 4. Wait about a week, then call SSA to verify both dates align 5. Ask for the agent's name and a reference number for documentation 6. Request written confirmation showing both SS and Part B start dates The real-world experiences shared here are so much more valuable than the vague official guidance on the SSA website. It's particularly helpful to see the different approaches that worked for people, as well as the pitfalls to avoid. One question for the group: Has anyone had experience with what happens if you need to make changes after submitting the application but before the January start date? Just want to know what options exist if we catch any errors during the verification process. Thanks to everyone who shared their stories - both the successes and the challenges. This kind of peer support makes navigating government bureaucracy so much less stressful!

New member here! I'm actually dealing with this exact situation for my mother who's retiring at 67 in December and wants to start SS benefits in January 2025. She's been on Medicare Part A since turning 65 but stayed with her employer's group insurance. After reading through all these experiences, I'm definitely going with the "check YES for Part B" approach, but wow - some of these system glitch stories are really concerning! @Evan Kalinowski's experience with Part B starting 3 months early despite specifying a later date is exactly what we're trying to avoid. Here's my game plan based on everyone's advice: - Check YES for Part B enrollment - Be very specific about January 2025 benefit start date - Screenshot every confirmation screen (brilliant tip @Keisha Williams!) - Call SSA about a week after submission to verify everything - Get agent name, reference number, and request written confirmation - Follow up if no confirmation letter arrives within 3 weeks One question for those who've been through this successfully - when you called SSA for verification, did they have your application information immediately available, or did you need to wait longer for it to be fully processed in their system? Thanks everyone for sharing both the success stories and the cautionary tales. This real-world insight is so much more helpful than trying to decipher the confusing official SSA website!

New member here! I'm in a very similar situation with my husband who's 67 and planning to retire at the end of December. We want his SS benefits and Medicare Part B to both start January 1st, 2025 when his employer coverage ends. After reading through all these experiences, I'm definitely convinced to check "YES" for Part B and specify January 2025 as the start date. The horror stories about checking "NO" and ending up with penalties like @Oscar Murphy experienced are exactly what we want to avoid! My takeaway plan based on everyone's advice: - Check YES for Part B enrollment on the SS application - Clearly specify January 2025 as benefit start date - Screenshot the confirmation screens (great tip!) - Wait about a week then call SSA to verify both dates match - Get written confirmation and keep detailed records One additional question - for those who successfully coordinated SS and Part B start dates, did you receive separate confirmation documents for each, or was everything combined in one notice? I want to make sure I know what to expect so I don't miss anything important. Thank you all for sharing your real experiences - both the successes and the cautionary tales. This thread has been incredibly more helpful than anything on the official SSA website!

New member here! My husband is in almost the exact same situation - he's 67 and we're planning to start his SS benefits in January 2025 when his employer coverage ends. He's had Medicare Part A since 65 but stayed on the group plan. After reading through everyone's experiences here, I'm definitely going with checking "YES" for Part B and specifying January 2025 as the start date. The stories about penalties from checking "NO" like @Oscar Murphy experienced are terrifying! Based on all the great advice shared, here's my plan: - Check YES for Part B on the retirement application - Be very clear about January 2025 benefit start date - Take screenshots of all confirmation screens before submitting - Wait about a week, then call SSA to verify both SS and Part B dates align - Get agent name, reference number, and request written confirmation - Follow up if no letter arrives within 3 weeks The system glitch stories from @Evan Kalinowski are concerning, but it sounds like being proactive with verification calls is the key to catching any problems early. One question - for those who had to use that Claimyr service to reach SSA, was it worth the cost given how hard it is to get through on the phone these days? Thanks everyone for sharing your real-world experiences! This thread is so much more helpful than the confusing official SSA guidance.

As a newcomer to this community, I want to thank everyone for sharing their experiences with this Medicare Part B timing issue! I'm dealing with almost the identical situation - my spouse is 67 and we're planning to start SS benefits in January 2025 when employer coverage ends. After reading through all these real-world experiences, I'm convinced that checking "YES" for Part B while clearly specifying January 2025 as the benefit start date is the right approach. The penalty stories from @Oscar Murphy are exactly what we want to avoid! What really stands out to me is how critical the verification step is. Even though most people seem to have success with the online system, the system glitch experiences from @Evan Kalinowski show that you can't just trust everything will process correctly without following up. My plan based on everyone's advice: - Check YES for Part B enrollment - Specify January 2025 benefit start date very clearly - Screenshot all confirmation screens before submitting - Wait 5-7 days then call SSA to verify both dates align - Get agent details and request written confirmation - Use Claimyr if needed to avoid long hold times This thread has been incredibly more helpful than anything on the official SSA website. Thank you all for sharing both your successes and cautionary tales - it's exactly what newcomers like me need to navigate this confusing process successfully!