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This I know well, Except he is in NY so he could do that anyway
But built my buis on a lot of OE med supp in the earlier years
When leads like that were available
But this one is looking for less expensive
Late Part B EP?
- Thread starter vic120
- Start date
This I know well, Except he is in NY so he could do that anyway
But built my buis on a lot of OE med supp in the earlier years
When leads like that were available
But this one is looking for less expensive
- 1,543
ICEP
I've seen more of this in the last year. In the last few months I've had two people that just quit paying part b. One that left employer coverage and never paid the part b premium. Only one of the three plans to get B reinstated.
I've got a once in a lifetime right now that didn't qualify for free part A at 65, but he paid for part B, and rudely found out that he couldn't enroll in an MA plan. He went back to work 3 years ago and now is eligible for free part A. This is fortunate for him, since he won't have to pay a part b penalty.
It's rare to find someone that isn't entitled to free part A that isn't on Medicaid, however, he is in SC and they don't hand out Medicaid like they do in other States.
- 7,308
Caveat, not an agent. (Thats for the agent that monitors whether or not I post it.)
This may be very unusual, but I would not go so far as to say once in a lifetime.
I have seen another post in past years that discussed a client who had to pay for Part A at a reduced premium level and was taking Part B. I can't remember what the decision was about paying the premium for part A at that time, but the client was working, and continuing to work, to get to the level of premium free Part A.
With at least two examples posted in threads, you have to figure there are other instances of this which we are not hearing about.
I know of someone who only needed 3 quarters more of work to get Medicare A free. So she pretended she was self employed, earning the minimum, or just marginally above, what you had to earn to have each quarter count. She figured it was cheaper in the long run to do that than pay anything for A.
I meant only once so far in my life as an agent. No doubt other people are working to get free part A, I just haven't run into them.
I've come across people, not eligible for Part A, on medicaid, and some that stayed on O'care, naturally, with large subsidies, which is a much better deal than paying for Medicare. I had one lady that worked for a church full time for 30 years, but no taxes were paid, so no free Medicare.
I jinxed myself with the original post. I spoke to a guy yesterday, 65 that didn't qualify for Medicare, and he is working full time at a grocery store and on a group health plan. So now it's twice.
I've come across people, not eligible for Part A, on medicaid, and some that stayed on O'care, naturally, with large subsidies, which is a much better deal than paying for Medicare. I had one lady that worked for a church full time for 30 years, but no taxes were paid, so no free Medicare.
I jinxed myself with the original post. I spoke to a guy yesterday, 65 that didn't qualify for Medicare, and he is working full time at a grocery store and on a group health plan. So now it's twice.
Wait what? She didn't pay taxes? I wonder how that worked. Was she considered self employed? Dad was a minister and he would have been caught by the IRS database of W2's if he didn't pay his taxes.
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He may have meant FICA taxes. Weren't church employees allowed to be exempt from those?
They are not exempt. If they were considered self employed rather than W2'ed, like any other self employed person they still need to pay FICA. Of course if their income isn't reported because they are considered self employed then likely they can get away with not filing any taxes. There would be no easy way to catch them without a lot of extra work (eg checking each church to see whom they list as employees and then checking to see if they paid. Don't see the IRS doing that with the low audit rate they already have which will be worse dumping all those employees when they needed more than they have/had).
You might be thinking of some unionized and some (but not all) government employees. Mom was a teacher and her union paid a pension. No social security. The only SS she gets is as a widow from dad.
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- 7,308
I don't think that is true about churches and FICA, at least in the old days.
I haven't time to do a bunch of research right now, but I am sure pastors used to be able to exempt from FICA and I assume that would have extended to other employees as well.
It is my guess employee OP referred to had a legitimate exemption from FICA taxes.
