Hi Toni:

Turning 65 in May and having an issue trying to enroll in Medicare since my Social Security account is locked.  Two years ago, someone falsely filed a tax refund with my Social Security number. Now anything that involves me or my spouse’s Social Security number, credit report or IRS information is locked and cannot be accessed.

How I can enroll in Medicare when I cannot open up a “My Social Security” account? This is what the Medicare.gov website advises me to do since I am turning 65 and not on employer’s benefits. I am a self-employed real estate agent with an individual plan. Thanks, Toni, looking forward to your advice.

–Terri from Las Vegas, Nev.

Great question, Terri:

Americans who are turning 65 and not receiving a Social Security check, should apply for Medicare by visiting www.ssa.gov/medicare/sign-up 3 months prior to turning 65 for Medicare Parts A and  B to begin the first day of the month turning 65. This information is available on page 17 of the 2026 Medicare & You handbook.

A fraud situation with your Social Security number like you are experiencing, Terri, with your Social Security situation can prevent anyone from opening a “My Social Security Account.” Terri, both you and your spouse’s Social Security numbers and accounts are locked by both Social Security and the IRS, keeping you and your husband (if married) from applying for Medicare online.

Anyone who is locked out of their Social Security account due to fraud, the quickest way to enroll is to visit in person at the closest local Social Security office. You can find your specific Social Security office by searching online with your zip code. This office can unlock your Social Security numbers allowing both you and your spouse to open a “My Social Security” account and can enroll you in Medicare online to begin the first day of the month you turn 65.

Terri, I would advise you and your spouse to not leave that local Social Security office until your “My Social Security” accounts have been either re-opened or new accounts have been created, and your Medicare enrollment is finalized.

Those turning 65 who need to enroll in Medicare and do not have a locked Social Security account, may go online to www.ssa.gov/medicare/sign-up to enroll in Medicare

If you do have a “My Social Security Account”:

• Have your username and password handy to begin Medicare enrollment.

If you don’t have a “My Social Security Account”:

• Open a “My Social Security Account” at ssa.gov/myaccount to be prepared to apply for Medicare Parts A and B, when turning 65 and not working full-time with employer health insurance or covered by a spouse’s employer health insurance.

Below are options to apply for Medicare when turning 65: Chapter 1 of Toni’s Medicare Survival Guide Advanced edition at www.tonisays.com explains ways to enroll in Medicare.

• Turning 65 and Receiving your Social Security check: You should receive your “Welcome to Medicare” kit by mail with your new Medicare card prior to turning 65.
• Turning 65 and NOT Receiving your Social Security check: (this is Terri’s situation)

You do not get an automatic “Welcome to Medicare” kit with your Medicare card.

You must visit ssa.gov/medicare/sign-up to enroll in Medicare for your Medicare to begin the first day of the month, you turn 65.

• Turning 65 and still working with employer’s benefits: Social Security and Medicare allow you to delay your enrollment in Medicare if you and/or your spouse are working full-time with employer benefits (not retirement benefits).

The new Toni Says Medicare Roadmap is available by signing up for the Toni Says Medicare Newsletter available at www.tonisays.com. Contact the Toni Says Medicare team at 832/519-8664 or email info@tonisays.com regarding your Medicare options. Both of Toni’s books Medicare Survival Guide and the Maze of Medicare and her new “Confused about Medicare” online course are available at www.tonisays.com.

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Reader Alert:  A recent “Social Security Data Breach” which has affected 2.9 billion people worldwide. Be cautious if you believe this event could have affected you.

Hello Toni:

I was watching the news and discovered that my Social Security number and personal information could have been stolen through the Social Security Data Breach. This situation makes me concerned about my Medicare number and someone filing a false claim. Please advise what I should do to be sure my personal Medicare information is protected from hackers. Thanks, James from Nashville, TN

Hi James:

I have good news for you regarding Medicare and the “Social Security Data Breach” which America has recently learned about. In April of 2018, Medicare began mailing new Medicare cards with the new Medicare identification number to all Medicare recipients. Medicare no longer places a Social Security number on the Medicare card and instead assigns 11 random letters and digits which are unique to only you.

James, you do not have to worry about your Social Security number being used for filing a Medicare claim. Only your unique Medicare Beneficiary Identifier (MBI) or Medicare number is used. This helps to keep your Medicare safe.

To protect your Medicare information from hackers, America needs to understand that Medicare, Social Security or the IRS will not call, email or text you to ask for your personal identifiable information (PII) such as name, Social Security number, date of birth, address or your personal health information (PHI) from the past, present or future. These government agencies will send a letter through the U.S. Postal Service with information on what PII or PHI information that has been data breached or any action needed on your part.

If you receive a phone call, text, or email from someone saying they’re with Medicare, Social Security or the IRS and you need a new Medicare card or that they need additional personal information from you, this is a scam! Hang up!

For Medicare data breach notification, you will receive a letter from CMS (Medicare) with details and you can call Medicare at 800-MEDICARE when you have a question or concern about the letter.

Remember, a U.S. government agency will not randomly call, text, or email you. It is acceptable for you to hang up the phone or delete the text or email. Please be careful when giving a stranger your personal information. Criminals from all over the world are watching the internet to steal what they can without getting caught!

If you believe that your personal information has been compromised:

• Contact the three credit agencies– Equifax, Experian, and TransUnion—to review and monitor your financial accounts for unauthorized activity.
• Consider placing a “security freeze” on your credit reports with the three credit agencies accounts to avoid unauthorized activity.
• Make sure passwords are strong and change your passwords every 6 months.
• Use two-factor authentication for your financial accounts.
• Stay alert to phishing scams.
• Keep your security software up to date.

If you would like more information on Social Security or Medicare Data Breach, please Google both topics. You will be amazed at the amount of information on the internet. There were almost 3 billion affected by the most recent Social Security breach and 600,000 people have been scammed since 2022 for the Medicare data breach. Tell your friends and family that it is vital to know who you are talking, texting, or emailing with when it comes to strangers. Standing together, we can stop those who only want to make a “fast dollar” by scamming us.

If you have a scam or Medicare question, email info@tonisays.com or call 832-519-8664. Toni’s new Confused about Medicare” video series and Toni’s Medicare books are available at www.tonisays.com.

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Dear Toni,

I turned 65 in November and enrolled in Medicare. I received a letter from Social Security stating that I must pay $527.50 for Part B and $70 for Part D totaling $597.50 monthly. The IRS states that my income was $375,000 in 2022.

The high-income level is because my husband was working in 2022. Charlie passed away in February and my income now is only my Social Security check of $2400 a month to pay bills.

How do I inform Social Security that my income has changed because I am no longer receiving my husband’s income? I have heard from friends that you are aware of a unique way I can bring my Medicare premiums to a lower, affordable amount? Gwen from Austin, TX

Hi Gwen:

Of course you do not want to wait the usual 2 years for the IRS to inform Medicare that your income has decreased due a “Life Changing Event” (such as death of a spouse, recently married/divorced, retired, been laid off/working part-time) You want to let Medicare know NOW that you have had a “Life Changing Event,” because you or your spouse are no longer earning that amount of income?

Many Americans still believe that everyone pays the same amount for their Medicare Parts B and D premium. Those days are long gone!

If your income as an individual was over $97,000 for 2023 and is over $103,000 in 2024 or if your married/joint income was over $194,000 for 2023 or is over $206,000 for 2024, then your Medicare Parts B and D premiums will be more. Social Security explains in the letter that is mailed to you, how they arrived at the Part B and D premiums based on your “Modified Adjusted Gross Income” (MAGI) from your last filed tax return.

Gwen, your MAGI was over $375,000 and the table used in the letter you received from Social Security shows what the Part B and Part D “premium adjustment” will be, whether you are filing single or married.

But special situations, also known as “Life Changing Events,” can lower your “income related monthly adjusted amount” (IRMAA).

Below are a few “Life Changing Events” that can make your MAGI go down:

• You have gotten married or divorced, or your spouse has died.
• You or your spouse have stopped workingor have reduced your hours.
• You have lost property that you were making money from due to a disaster or other event beyond your control; or
• Your or your spouse’s benefits from an insured pension plan stopped or went down.

Use form SSA-44, “Medicare Income-Related Monthly Adjusted Amount – Life-Changing Event” to advise Social Security of your change in income. Visit SSA.gov to download the SSA-44 form or see chapter 8 of Toni’s Medicare Survival Guide Advanced edition for Medicare forms including SSA-44 and others.

Once Social Security is satisfied with the evidence, it will update its records and correct Part B and Part D premiums to reflect your current income is.

Gwen, since you are now single and no longer receiving Charlie’s income you will have significant changes to your income amount. The IRS and Social Security office reviews your filed tax returns each year and will adjust your Part B and D premiums to correspond with your new income level the following year. You will want to keep filing Form SSA-44 until your last filed return reflects your current income.

Need help understanding Medicare, Toni’s new Confused about Medicare video series is available at www.tonisays.com. Medicare Moments podcasts are at www.seniorresource.com/medicaremoments. Email info@tonisays.com or call 832/519-8664 for answers to your Medicare questions.

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Dear Toni,

I’m losing the battle with Social Security about me and my wife enrolling in Medicare Part B since I am losing my group benefits effective July 31. I took early retirement during October 2022 and both me and my wife have been under company group health benefits. I now found out that I had to be an active employee to enroll in Medicare Part B without receiving a penalty. No one ever told me this. Please explain what Medicare rule I am not following.

Now I must pay for COBRA which costs over $1,500 a month for both of us. Thanks, Vince from San Antonio, TX

Hello Vince:

I do not have good news for you. Because you retired in October 2022, you have missed your window to enroll in Medicare Part B as of May 31^st.

You or your spouse is “still working” are magic words when it comes to enrolling past 65 and losing your or your spouse’s company benefits. The Medicare and You Handbook discusses delaying Medicare Part B until you are leaving your spouse’s or your group benefits, saying that “your 8-month Special Enrollment Period to sign up for Part B starts when you stop working, even if you choose COBRA or other coverage that’s not Medicare.”

You thought that you were protected because of your continued employer group health plan and severance retirement package, so you and your wife waited past the 8-month window to apply for Medicare Part B and file your CMS-L564 forms to be accepted by Social Security (which enrolls one in Medicare).  Chapter 7 of Toni’s new book, Maze of Medicare explains in detail Medicare’s magic words, “is still working”.

Vince, you and your wife have a big problem because your group plan is ending July 31 and now you cannot get your Medicare Part B to begin until next February 2024. You cannot enroll in Medicare Part B until January 2024 because you no longer qualify to enroll during a Special Enrollment Period. You must now enroll during Medicare’s General Enrollment Period, according to its rules.

Below are Medicare Enrollment Periods:

Medicare Initial Enrollment Period:  An IEP begins 3 months before turning 65, the month one turns 65, and 3 months after a person turns 65.

Special Enrollment Period:  Enrolling after 65 when delaying Medicare Part B due to working full time with company benefits. This is an 8-month window (a grace period) to sign up for Part B without receiving a Part B penalty. (You need the CMS-L564 form, aka Request for Employment Information, signed by HR and returned to Social Security with your Part B application).

General Enrollment Period: January 1-March 31 is the period each year when those who are late enrolling can enroll in Medicare Part B without receiving a Part B penalty. Part B will begin on the first of the next month and they will receive a Part B penalty.

Many are not aware of the Medicare Part B and Part D monthly penalty. With no Part B or Part D coverage, you will pay 100% for those benefits. Don’t wait!

Remember, with Medicare… what you don’t know WILL hurt you! Need Medicare help? Call the Toni Says Medicare hotline at (832) 519-8664 or email info@tonisays.com for assistance.

Toni’s new book “Maze of Medicare” is available to the Toni Says® readers and their friends at www.tonisays.com.

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Toni:

I am a 59-year-old female and in June,2022 I was diagnosed with stage IIIA metastatic breast cancer. A non-profit Cancer program in Houston qualified me under Medicaid (Breast/Ovarian cancer program through the State of Texas) because I was unemployed, and I was referred to MD Anderson for treatment. I have had a radical mastectomy with chemotherapy and will be starting radiation next week.

Friends tell me I am crazy not to get my Social Security Disability because I need the income. Social Security has said I am eligible for disability (based on work credits) and the amount I can collect will be $2,015.

My question:  If I can qualify for Social Security Disability due to my breast cancer because I am unable to work, will I be able to keep my Medicaid benefits? At present, I am not paying anything for my cancer treatments.

Thank you for any advice you may have! Terri, Waller, TX      

Terri:

Many Americans believe that qualifying for Social Security Disability can be the answer when you cannot work due to a serious illness. Your friends do not know the Medicaid or Medicare rules and can steer you in the wrong direction!

To qualify for Medicaid, one must meet certain income requirements and if you make $1 too much and I repeat $1 too much, then you can lose your Medicaid benefits.

You are just beginning your radiation treatments at MD Anderson and do not have to pay for anything because you have been blessed by qualifying for Medicaid. You could risk your Medicaid eligibility by applying for Social Security Disability.

The $2,015 Social Security Disability check may be too much income to keep you qualified for your Medicaid benefits and you could lose your precious Medicaid benefits.

Once you lose those benefits you will have to pay 100% for your cancer treatment because Medicaid will not be paying MD Anderson, any healthcare provider or facility. Now, your troubles will really begin!

When someone qualifies for Social Security Disability, it will take 24 months for you to begin qualifying for Medicare and Medicare will begin on the 25^th month. (Chapter 1 of Toni’s Medicare Survival Guide Advanced edition explains how to enroll in Medicare the correct way.)

My advice is to wait and apply for Social Security Disability until after you have finished all your cancer treatments and are released with a clean bill of health. I would not want you to put the mental and financial burden on yourself and your family because you are worrying about how to get your cancer treatment and most of all how to pay for the treatments.

If you are not receiving cancer treatments when you are 62, go and apply for early Social Security benefits not Social Security Disability. At 62, one receives 75% of their Social Security amount. You will not receive 100% of your Social Security benefit until you reach your full retirement age (FRA).

At 65, apply for Original Medicare online at www.ssa.gov and enroll in a Medicare Supplement with a standalone Medicare Part D plan or enroll in a Medicare Advantage plan with Part D. One should always confirm that their cancer facility and/or medical providers accept the Medicare Advantage plan they are enrolling in. With Original Medicare, the Medicare recipient can make as much money as needed and not lose medical benefits. Not like losing Medicaid and your medical benefits because of making too much money.

Have a Medicare question, email info@tonisays.com or call 832-519-8664. Visit www.seniorresource.com/medicare-moments to listen to Toni’s Medicare Moments podcasts and to also download the Medicare Prescription Drug Survival Guide. Toni’s book “Medicare Survival Guide Advanced” edition available at www.tonisays.com.

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Dear Toni,

My husband has met his 24^th month of being on Social Security Disability which qualifies him for Medicare. His disability is because of a severe case of Parkinson’s. On August1^st his Medicare Parts A and B will begin, but he is only 64. He will turn 65 next March and I am not sure what he should do.

With Paul’s serious Parkinson’s issues affecting his health, I am concerned with which Medicare option is for him to enroll in. Should he enroll in a Medicare Advantage plan or a Medicare Supplement?

I am concerned about whether he will enter the Medicare Prescription drug donut hole because his Parkinson’s medications are expensive. Please advise what we need to do to find what Paul’s best Medicare option should be? Thanks, Cynthia from Dallas, TX

Cynthia:

Learning how to enroll in the right Medicare and Part D prescription drug plan when someone has a serious health condition can be extremely complicated. Your current specialists and prescriptions are what the Toni Says® Medicare team focuses on for a Medicare consultation.

What those on Social Security Disability and qualifying for Medicare Parts A and B need to be aware of is that there are 2 Medicare enrollment times.

Below are Medicare’s 2 Enrollment times for those on Social Security Disability: 

• Enrolling in Medicare under 65: When one’s Social Security Disability 24^th month passes, the individual is automatically enrolled in Medicare to begin on the 1^st day of the 25^th month such as your husband Paul’s Medicare, even though he has not yet turned 65. In Texas, when one is under 65 and eligible for Medicare, there is only one Medicare Supplement plan which you are eligible for with most Medicare Supplement Insurance companies and that plan is Plan A. Medicare Supplement Plan A works directly with Original Medicare and has more out of pocket than Medicare Supplement G. Different states have different Medicare Supplement plans available to those under 65.

When one is under 65 and enrolling in Medicare for the first time, a Toni Says® Medicare team member will advise the new Medicare client to discuss which Medicare Advantage plan their medical professionals and facilities accept that can help to pick up their Medicare costs.

Medicare Advantage plans help to cover the Medicare costs that Medicare does not pay for. The Medicare Advantage plan will have deductibles, copays, or maximum out-of-pocket costs that the Medicare enrollee will have to pay. When under 65, this may be an option to consider since Original Medicare has out-of-pocket. Always verify that your healthcare professionals and facilities accept and will bill the Medicare Advantage plan you’ve picked.

• Turning 65 and on Social Security Disability: Cynthia, I have good news for you because when Paul turns 65 next March, he will have a second Medicare Supplement enrollment period which is called the Medigap/Medicare Supplement Open Enrollment period. He will not have to answer any health questions because he has turned 65, the same as anyone who is just turning 65 and has received both Medicare Parts A and B. Those on Social Security Disability will qualify during a “6-month period” that begins the month one turns 65 for Medicare Supplement Plans A-N.

Exploring the Medicare Part D prescription drug donut hole and Paul’s prescription drug plan options are discovered during a Toni Says® Medicare consultation. We always check prescriptions in medicare.gov to determine which Medicare Part D plan best fits a client’s needs.

“Confused about Medicare Workshops” are taking a summer vacation and will return in the fall. Toni’s Medicare Survival Guide® Advanced edition, is available at www.tonisays.com. Have any Medicare questions, please call 832-519-8664 or email info@tonisays.com?

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Hello Toni:

I am an HR Manager for a local oil service company and have a question about an employee. He is turning 65 and is still working full time. His situation is a little different because next month he will begin receiving chemotherapy for lung cancer. Not sure how to advise him because technically he is working full-time. He has 5 months of pay from vacation time, which he never used and can use while recuperating which keeps him as a full-time employee. 

 Our firm has over 100 employees and I have been told there are certain rules for specific company sizes. How can I make sure that I have the correct answer to my questions for the employees of our company? Samantha from Tulsa, OK

Hi there Samantha:

Many of the answers about enrolling in Medicare are found in the Medicare & You handbook. Some individuals who qualify for Medicare do not take Part B during their Initial Enrollment Period because they or their spouse are “still working” and have primary insurance from a current employer. Your employee’s Initial Enrollment Period begins three months before his 65^th birthday and ends three months after his 65^th birthday.

Below are a few options that can make your HR Department’s job easier:

• Verify your employees’ options by calling your company’s health insurance plan and asking how the plan coordinates with Medicare.
• It may be to an employee’s advantage to delay Part B enrollment. See the Medicare & You handbook under “Should I Get Part B?” for more clarification or in the Toni Says® Medicare Survival Guide Advanced edition which is available at www.tonisays.com.

Now let us talk about who will pay your claim first and this depends on how many employees are on your company’s group health plan: See the chart in the Medicare & You handbook on the number of employees.

• If there are 20 or more employees at the company where your employee or a spouse currently works and receives benefits, generally the group health insurance pays first.
• If there are fewer than 20 employees at the company where your employee or a spouse currently works and receives benefits, generally Medicare is primary. As the HR Department, you should verify with the insurance carrier how the current insurance plan coordinates with Medicare and verify whether an employee should enroll in Medicare Parts A and/or B or delay enrollment in one or both.

Employees should contact Social Security immediately to enroll in Medicare when their work status changes due to various Social Security forms that must be filed to avoid the “famous” Medicare Part B penalty. They will want a SEP (special enrollment period) and should file forms when their employment changes from full-time to part-time employee, when they decide to retire, or are terminated and need to enroll in COBRA. (It is important to remember that COBRA and retiree insurance are not considered current employer insurance. The employee will not have a Special Enrollment Period if they take COBRA or retiree insurance and wait too long.) 

There are specific Medicare rules regarding leaving employer benefits after turning 65, when and how to change Medicare plans, and which Medicare Part D prescription drug plan best fits one’s health situation. Email info@tonisays.com or call 832/519-8664 with your Medicare questions.

Sign up for the Toni Says® Medicare newsletter to keep up with Medicare rules and changes at www.tonisays.com.

Toni King, author of the 2022 Medicare Survival Guide® Advanced edition is giving a $5 discount on the Medicare Survival Guide® Advanced book at www.tonisays.com.

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Hi Toni:

I am turning 65 in June and am not working full-time with employer benefits. I was surprised when I called Social Security and the Social Security rep told me to go online to SSA.gov to enroll in Medicare. Due to the Pandemic (COVID-19), there is not a local Social Security office open that can help me in person if I have a problem with the online application. Opening a “My Social Security Account” has not been an easy process.

Can you explain in simple terms where to go online, so that I can enroll in Medicare the right way? Thanks in advance. Beth from Quail Valley

Beth:

Unless you are receiving your Social Security check at least 90 days prior to turning 65, then Medicare has no idea that you are turning 65 and should be receiving your Medicare card with Parts A and B. It is Social Security that enrolls America in Medicare, not Medicare.

Social Security processes all Medicare applications for Medicare. Medicare does not enroll its own applications. Is that confusing or what?

Beth, you mentioned that you are not receiving your Social Security check, not working full time with employer benefits and that Social Security advised you to enroll online. The best timeline for your Medicare to begin the month you turn 65 is to enroll within 3 months before turning 65. Visit www.ssa.gov/benefits/medicare to enroll in Medicare and to begin the 1^st day of the month you turn 65.

When you begin the process of enrolling in Medicare, Social Security will ask if you have a “My Social Security Account.”

If you do have a “My Social Security Account” visit www.ssa.gov/benefits/medicare to enroll online for Medicare to begin the 1^st day of the month that you turn 65:

• Scroll down to “How to Apply Online for Just Medicare.
• Follow the directions to “Apply and Complete” and start a new application.
• Please have your SSA.gov username and password to begin enrolling in Medicare Parts A and/or B applications online. (Very Important)

If you do not have a “My Social Security Account” please be aware that opening an account is not simple:

• Starting a “My Social Security Account” does not begin your Social Security check.
• Register yourself and your spouse for a “My Social Security Account” months before applying for Medicare so that you are ready to apply within 3-months prior to turning 65.
• Visit ssa.gov/myaccount and click on the blue box with “Sign in with LOGIN.GOV after September 18, 2021, to open up a personal “My Social Security Account”. Those who have opened an SSA.gov account prior to September 18, 2021, use the top username and password boxes to sign in.

Local Social Security offices are closed because of the Pandemic (COVID-19), and one must call your local Social Security 800 number for help when not able to open a “My Social Security Account” due to being locked out.

Information on application to apply for Medicare is below:

• Your information: Name, Social Security number, Gender, and Date of Birth.
• Contact information with address, phone number, and email address.
• Citizen information about you.
• Questions about your employer’s health benefits.
• Submit your application online. View your receipt which explains additional information needed such as marriage license for those under 40 quarters and applying under spousal benefits or citizenship papers to be verified.
• Your new Medicare card should arrive in the mail.

Confused about Medicare Zoom webinar is Thursday, April 28 at 4:00 PM. Visit www.tonisays.com to sign up for the Toni Says online webinar event.

Toni’s new 2022Medicare Survival Guide® is available at www.tonisays.com.

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Dear Toni:

I have been reading your articles regarding COVID-19, being laid off, and enrolling in Medicare properly but I have not read an article on how to lower the Medicare monthly premium if you are not making that amount of income due to a life event such as your spouse passing away.

I turn 65 in September and have enrolled in Medicare. I received a letter from Social Security stating that I must pay $475.20 for Part B and $70.70 for Part D, totaling over $545.90 monthly because the IRS states that my income was $345,000 in 2019.

Since my husband passed away this February, I only have my Social Security check of $2400 a month to pay bills, not my husband’s income anymore.

How do I inform Social Security that I am no longer making this amount of income and…

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Reader Alert: Recently, I have been informed from several clients during a Toni Says® Medicare consultation that they have received either call on their cell or home phone or by mail from either Social Security or the IRS claiming that they owe money, are being held liable and are being legally sued or that their Social Security check has been suspended due to COVID-19 issues. 

So many are petrified that one wrong move and they can lose everything they have worked so hard for. Let’s discuss what you, your friends or an elderly family member should do if you receive a call or something by mail.

Victims are receiving a telephone call from someone claiming to be from the IRS. They are told that they will be arrested if they do not make a payment immediately and…

The post Social Security and IRS Scams are Growing! appeared first on ToniSays.