Know how to be Medicare Supplement Plans eligible from ex-spouse after divorce

Most people are eligible for Part A premium-free Medicare coverage through their work history or with the work history of their spouse. Generally, one is eligible for Part A premium-free coverage if your spouse or you worked and have paid for a period of at least 10 years Medicare taxes. In fact, even 40 quarters of payment is also accounted as Part A premium-free coverage.  However, in case you are divorced, there are options to acquire the Medicare supplement plans benefits based on your ex-spouse situation and also your personal situation will be taken into consideration.


How to get Medicare after divorce

There is a need to know how to qualify so that you get Medicare supplement plans in 2019 even after a divorce on the employment record of your ex-spouse.  As per the Social Security Administration, if you need to qualify here are some of the conditions you must meet to be eligible:

  • You must be right now unmarried
  • Your marriage should have completed at least 10 years or more.
  • You have attained 62 years
  • Your ex-spouse is permitted to disability benefits or social security retirement benefits.


The benefit that you may have received depending on your work is much lesser than the benefit received depending on the work of your ex-spouse. Only, if these conditions fit, you can be eligible for Part A and B premium-free coverage.


In case, neither your ex-spouse nor you meet the Medicare eligibility requirements, yet you may buy Part A after remitting the applicable premium.


Bear in mind, if you fail to enroll in Medicare as soon as you become eligible first, you will have to bear a higher premium as Part A for a period of time or even for Part B until you have the coverage.


After divorce is the Medicare Advantage for Prescription drugs available


Anyone eligible for (Part A and Part B) Original Medicare may enroll in Part D prescription drug Medicare coverage or (Medicare Part C) Medicare Advantage until they live by the plan.


The Medicare Supplement plans are approved by Medicare, but offered by private insurance companies under the Medicare program. By law, the Medicare Advantage or Supplement plans are expected to provide identical coverage as the Original Medicare, but for the hospice care that is even now under Part A as covered.  However, the Medicare Advantage plan offer additional benefits and in fact many Medicare plans also include the prescription drugs Part D coverage for vision and routine dental care.


Tip: Pay your Medicare premium Part B and other premium monthly as per the plan as long as enrolled to enjoy the benefit options.

Benefits of Retiring Later in Life

In recent times, people have opted to retire later than before due to the economic conditions or to maintain a certain living standard. Some people may think that late retirement is not good but retiring later in life does have its benefits. Some of the benefits are briefly discussed here.

  • Helps prevent Alzheimer’s and other mental illnesses

One of the major benefits of retiring later is that a person may be able to overcome any chances of dementia or Alzheimer’s that could have occurred due to the idleness of the brain. This is because when the people will be busy with work, they will continuously use their minds and as a result, the brain cells will be able to take control of any foreign material that may try to change the working of the brain.

  • Increased Social Security

Another benefit of retiring at a later age is that the Social Security will be higher. This is because the amount payable through the security increases with age and therefore, the elderly will be able to receive more.

Moreover, the insurance policies aimed at the betterment and health-care of the people such as Medical Supplement Insurance and Medical Advantage Plans, will also take care of any unexpected expenses in case of emergency. Retiring late will help invest more in these insurance policies.

Retiring late will also ensure that the retirement funds are extended which will safeguard a substantial amount of finances when a person retires. It will give a security to the elderly that they have enough to live comfortably.

  • Increased Employee Benefits

As a person who is working with an organization for longer years, they will be able to gain more profits from the employee benefits which are provided to all the employees of an organization such as annual bonuses, health insurance etc.

  • Increased Earned Income

As people will opt to retire late, they will be able to take advantage of the increased earnings. This will also ensure that their dependency on others is reduced and they are free to do anything they want with their income.

  • Peace of mind

People will also be able to gain greater peace of mind as they will be satisfied with the work they have been doing and the people who they have been able to help over the years. If they had retired earlier, they might have thought how they could have done so much but did not do. Therefore, achieving peace of mind will be good for their health as well.

Hence, retiring at a later age not only has economic but social and health benefits as well and the elderly will be able to occupy themselves with an activity they like and fully know.

For more information on retiring and health plans like Medicare supplement plans click here.