Retirement Milestones: 11 Important Age Deadlines

7. Age 65: Medicare benefits

If you apply for Medicare in the first three months of your initial enrollment period, your benefits usually begin the month that you turn 65.

According to the official Medicare website, if you sign up for Part A and/or Part B during the first three months of your initial enrollment period, your coverage usually starts the first day of your birthday month. However, if your birthday is on the 1st of the month, your coverage begins on the 1st of the prior month.

If you enroll the month you turn 65 or during the last three months of your initial enrollment period, your coverage begins the first day of the month after you apply.

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