More Americans are choosing to work beyond age 65, but continuing to work can significantly impact Medicare enrollment decisions and health coverage options. This seminar explores how Medicare works for individuals who remain employed past age 65, including coordination between employer-sponsored health insurance and Medicare, enrollment timelines, and potential penalties for delayed enrollment. Learn when Medicare enrollment is required, when it may be appropriate to delay coverage, and how employer size and group health plan rules affect Medicare eligibility and benefits. This seminar will also address Health Savings Account (HSA) considerations, Special Enrollment Periods, and common mistakes that can lead to coverage gaps or late-enrollment penalties.

Learning Objectives:

• • Understand Medicare eligibility and enrollment requirements for individuals working past age 65.

• • How Medicare coordinates with employer-sponsored group health plans.

• • Situations when delaying Medicare enrollment may or may not be appropriate.

• • Special Enrollment Periods and strategies to avoid late-enrollment penalties.

• • The impact of Medicare enrollment on Health Savings Account (HSA) contributions.

• • Understand healthcare coverage options while continuing to work.