Retiring after 65? Get your next steps in order.

Confirm the employer coverage end date

Your last workday and the date your health coverage ends may differ. Ask your benefits administrator for the exact date and the documents you may need. Tell the licensed insurance agent whether you already have Medicare Part A, Part B, or other coverage.

Check enrollment timing before making changes

Current employment coverage, retiree coverage, and COBRA are not interchangeable for Medicare enrollment purposes. Your next steps depend on the type of coverage and your circumstances. Confirm your timing with Social Security or Medicare.

Build a transition checklist

• Employer coverage end date and benefits contact.
• Current Medicare enrollment details.
• Coverage needs of a spouse or dependents.
• Doctors, prescriptions, and pharmacy list.
• Questions about applications, effective dates, and next steps.

Outside a local licensed insurance agent’s area? You can still use these guides and call with questions.