Is it possible to delay the enrollment of Medicare Part A without penalty?

[compiler]

A wife has less than 40 work credits at the age of 65 but has her younger husband's employment group insurance. Can she delay the enrollment of Medicare Part A without penalty? Thank you for your answer.

 

[LostDollar]

A wife has less than 40 work credits at the age of 65 but has her younger husband's employment group insurance. Can she delay the enrollment of Medicare Part A without penalty? Thank you for your answer.

Caveat, not an agent.

This from AARP says yes, but you need to see what experienced agents say.

Employer coverage. If you or your spouse actively works and you have health insurance from that employer, you have the right to delay Part A as well as Part B enrollment until the employment ends. If you or your spouse has earned 40 work credits by that time, you can sign up for Part A without paying premiums or incurring late penalties. But if neither of you has earned 40 credits by then, you won't pay late penalties retroactively; however, you'll have to enroll in Part A during your eight-month special enrollment period to avoid penalties going forward.

How Much Is the Medicare Part A Late Enrollment Penalty?

It applies only if you have to pay a premium for Part A

www.aarp.org