| Age 60 |
Earliest Retirement Widows or Widowers |
| Age 62 |
Earliest Retirement (Normal) |
Age 64 +
6 Months |
CONSIDER:
Eligible for 6 month short-term medical insurance to get you to Medicare at 65 |
Age 64 +
9 Months |
"Should Have" received Medicare card if you are receiving benefits (If not, call social security) |
Age 64 +
10 Months |
Investigate and sign-up for secondary insurance to Medicare to be effective at 65 |
| Age 65* |
Normal Retirement
Age 65 to age 70, schedule of limitation on earnings reducing Social Security retirement benefit payment |
| Age 70 |
No limit for earnings on Social Security retirement benefits |
| Age 70.5 |
Qualified Plans: IRA's, 401(k's). etc.
Must initiate required minimum distributions |
| Age 79 |
Last age many long-term care companies offer "unlimited" benefit periods |
* First 6 months on Medicare Part B, AFTER AGE 65, "OPEN ENROLLMENT" period for MEDIGAP policies.
* First 6 months AT AGE 65 "OPEN ENROLLMENT" period for those previously on Medicare due to disability. |
