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Social Security & Medicare

Claiming Social Security and enrolling in Medicare are two of the biggest retirement decisions you’ll make. We help you understand how they work with your FEHB coverage and the rest of your retirement income before you decide because some of the rules are different for federal employees.

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Timing Two Important Decisions

Social Security and Medicare affect more than your monthly check or health coverage. We help you understand the different rules for federal employees and how they fit with your federal benefits, taxes, and retirement income, so you can make informed decisions with confidence.

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We’ll show you how different claiming ages affect your retirement income, so you can see the trade-offs before making your decision.
Unlike most retirees, federal employees aren’t required to enroll in Medicare if they keep FEHB. We’ll help you understand the trade-offs, so you can choose the coverage that’s right for you.
Social Security is only one part of your retirement income. We coordinate it with your pension, TSP, and taxes, so every income source works together.
Retirement comes with important deadlines and decisions. We’ll help you stay ahead of them, so you have time to understand your options before you need to choose.

Claim Now or Wait, and What About Part B?

Social Security and Medicare decisions will affect your retirement for years to come. We help you coordinate them with your FEHB coverage and overall retirement plan before it’s time to decide.

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The Role of Social Security & Medicare

Social Security and Medicare are two of retirement’s biggest decisions. For federal employees, they also affect your FEHB coverage, retirement income, and taxes. Planning them together helps every piece of your retirement work together.
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The Age You Claim Is Permanent

The age you claim Social Security affects your monthly income for life. Understanding the trade-offs before you decide can create a stronger income plan for decades.
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Medicare Has Deadlines

For federal employees, Medicare decisions aren’t as simple as enrolling at 65. We’ll help you understand your enrollment windows, FEHB options, and the trade-offs before it’s time to decide.
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It's All Connected

Your Social Security decision affects your retirement income, and your Medicare decision affects your FEHB coverage. We help you coordinate both with the rest of your retirement plan.
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The Stakes Last for Life

These decisions can last for decades. Taking time to understand your options today helps you make confident decisions for the years ahead.

Frequently Asked Questions

Social Security & Medicare

There isn’t one best age to claim Social Security. The right choice depends on your retirement savings, your pension, your health, your spouse, and your long-term goals. We’ll compare different claiming ages, so you can choose the one that best fits your retirement plan.
Federal employees have Medicare options that many retirees don’t. Keeping FEHB doesn’t automatically mean you need Medicare Part B. We’ll help you compare your options, understand the trade-offs, and choose the coverage that best fits your health needs and retirement plan.
Because each decision affects the other parts of your retirement. Social Security, Medicare, your FERS annuity, and FEHB all work together. Looking at them as one plan helps you make better decisions with fewer surprises.

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