Q. I am a 64-year-old retired CSRS annuitant. I am not eligible for Social Security. My husband is on my Federal Employees Health Benefits coverage with Kaiser Permanente (HMO standard option). He works for the Postal Service but is under my medical insurance. He will turn 65 in November but will continue working until 66, when he is eligible for Social Security benefits. I understand that he must sign up for Medicare Part A soon. If he elects not to sign up for Part B, will he be able to sign up for it without penalty when I apply for Medicare and sign up for Part A and B?

A. He won’t be penalized while he is still working. What you do has no bearing on the matter.


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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

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