By Reg Jones
Q. I am a retired federal employee (64 years old) and still on federal health insurance. My wife is turning 65 this month. Does she have to sign up for Medicare Part B to avoid a future penalty, or can she wait until I am 65?
A. If she is currently employed, she doesn’t need to sign up until her employment ends. If she isn’t employed, she would need to sign up to avoid a penalty.
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