How do I plan for retirement benfits?
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Are you applying for medicare only?
yes
You can apply  If you are within three months of age 65 or older and not ready to start your monthly Social Security benefits yet
Yes that is my circumstance
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 please read the information about generaland SEP in our booklet or talk to your personnel office before you decide .
 please read the information about generaland SEP in our " " booklet or talk to your personnel office before you decide .
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What if I apply before full retirement age?
your benefitswill be reduced because you are taking them earlier
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What if I am older than 65 is there a special enrollment period?
you may not need to applyfor Medicare supplementary medical insurance Part B at age 65
