Talking to the Local Social Security office is usually best. Surveys report that some individuals received incorrect information when calling Social Security's main 800 number.
When you call 866) 643-3401, tell the local office you want to speak to a Retirement representative!
Note: Local SS offices, including New London's in the Shaws Cove complex, often want to set up telephone appointments.
I suggest asking for a face-to-face appointment. Talking to a local SS Retirement person about signing up at 65 has many advantages. Ask about:
● Complete your application for Part B and activate Part A.
● What options does SS offer to pay your share of Part B's monthly cost?
What does Part B cost?
● Your share of Part B in 2024 is $174.70. The base monthly cost is 25% of MediCare Part B's overall costs across the US, divided by the number of individuals covered by Part B.
I heard I might have to pay more for Part B!
● Some beneficiaries do! When the AGI on a Single filer's IRS 1040 from two years ago is above 103k or 206k for a Joint filer, the monthly cost will be higher than the Base.
Note: The legislation that implemented charging higher-income individuals a bigger share of Part B's overall cost called the extra cost an "income-related monthly adjustment amount" (IRMMA).
Note: Page two on this link shows the five income-based levels above the 2024 103k base. Each income level adds an additional amount each month to the Base amount!
* * FYI: You can also sign up online for MediCare on — This SS page :
● Somewhat complicated, so I recommend being careful.
● It is not recommended if you are over 65 and leaving an employer plan!
Call John at (860) 451-9793 [ Google voice #] if any questions.
A key point: When an individual's application is complete, MediCare calls them "entitled" [not enrolled ] for coverage * * that starts the first of their eligible month. They will be covered for:
● Part A — inpatient care in a hospital.
● Part B — MD visits and many kinds of outpatient services.
Note: * * Medicare coverage is only for treatments and services they deem medically necessary.
An individuals ID card has Entitled printed above the date their Part A & B medical coverage started!
Note: There is a picture of the Medicare card on this page.
Each individual's ID card includes a unique number called a Medicare Beneficiary Identifier, which includes 11 upper-case letters and numbers.
● The ID has four characters — then three more — then four more.
● To avoid confusion between specific numbers and letters, such as the number zero "0" and capital letter "O," the MBI does not use letters S, L, O, I, B, and Z.
Financial Advisors indicate there is no standard answer to the question — when to begin receiving Social Security benefits. However, this information from SS may be helpful to individuals reaching 65!
● When individuals become fully eligible is on page 3 of this Pub!
● The value of waiting past full retirement age.