Medicare eligibility

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Q. I am 64 and don’t have enough credits to get Social Security. I will turn 65 in October. Will I be eligible for Medicare? If not, do I still sign up for it? My husband retired from Ford Motor Company and is 61. He will turn 62 in April. He plans on getting on Social Security at that time. Will I then be able to get Medicare?

A. The answer to both questions is no.

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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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