Ask The Experts: Retirement

By Reg Jones

Medicare

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Q. I received notice that as of this month, Medicare will be deducting about $104 a month from my Social Security. My wife is 55 and employed. I am on her coverage. Must I have Medicare now if I am covered by my wife’s plan for another 10 years?

A. As long as you are covered under her employee health plan, you don’t have to decide whether to be covered by Medicare Part B. When she retires, you’ll have to make that decision.

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