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Getting Ready to Retire

The decision to enroll in Medicare depends on your situation.  If you get insurance through your current employer or your spouse's employer you might not want to enroll in any or all parts of Medicare.  Are you retiring before or after age 65?  Will you or your spouse continue to work?  These are important questions that need to be answered before you make the decision to enroll in Medicare.  The Getting Ready to Retire factsheet addresses all of these scenarios including when you need to enroll in Medicare or risk paying a penalty.