{"id":522,"date":"2020-04-04T13:04:00","date_gmt":"2020-04-04T13:04:00","guid":{"rendered":"https:\/\/staging2.sylegacy.net\/?p=522"},"modified":"2022-05-13T12:45:14","modified_gmt":"2022-05-13T12:45:14","slug":"laid-off-new-to-medicare","status":"publish","type":"post","link":"https:\/\/staging2.sylegacy.net\/laid-off-new-to-medicare\/","title":{"rendered":"Laid Off New To Medicare"},"content":{"rendered":"\n[et_pb_section fb_built=”1″ _builder_version=”4.14.0″ _module_preset=”default” custom_margin=”0px||||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.14.0″ _module_preset=”default” custom_padding=”36px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.14.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.14.0″ _module_preset=”default” text_line_height=”1.6em” ul_line_height=”1.8em” header_3_text_color=”#8B0E3A” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″ link_text_color=”#e09500″]

\u201cHello, Stephanie\u2014I\u2019m 66 and was intending to work until 70. I was recently laid off from my employer due to the Coronavirus epidemic. I\u2019m no longer going to have health insurance through my employer, and now I\u2019m scared and don\u2019t know what to do about health insurance. The HR department is not in the office and hasn\u2019t been able to guide me. I know that I have to apply for Medicare, but with everything closed I don\u2019t know what to do. I have not applied for any Parts of Medicare and I\u2019m not currently drawing Social Security. I\u2019m trying to hold off on Social Security until age 70. Please, help me figure this out. I\u2019m so confused and scared to get penalized or be without health coverage. What should I do? Thank you\u2014Herbert from Humble, TX.\u201d<\/em><\/p>\n

Hello Herbert,<\/p>\n

This is an increasing concern for many Americans today. Many are either turning 65 or getting laid off from their employers. What follows is the best guidance I\u2019m able to offer. Many employers and HR employees are working remotely from home. Contact your employer and speak to your HR department. You will need to complete two forms: one is an\u00a0Application for Enrollment into Medicare Part B (CMS-40B)<\/em>; the second is a\u00a0Request for Employment Information (CMS-L564)<\/em>. You must fill out the forms and have the paperwork signed by your employer, which will indicate that you\u2019ve been on \u201cTrue Creditable\u201d coverage. Doing so will prevent you from incurring a penalty fee from Medicare. Once you\u2019ve signed the forms, then write the following at the top of the form in RED letters\u2014\u201cSpecial Enrollment Period\u201d. You have only a 63-day window to sign-up for Part D and an 8- month window to sign-up for Part B. However, given the chaotic goings-on surrounding Covid-19, you need to move on this ASAP. Contact the Social Security Administration Office at 1(800) 772-1213, and navigate the automated system to secure an appointment. The SSA will schedule the appointment for you with no options on time or day. Make sure to write down the time and day that SSA will be calling you back. All Social Security employees are currently working remotely from home. Make them aware that this is your first time enrolling in Medicare and that you have a \u201cSEP\u2014Special Enrollment Period\u201d; SEP being the key term that will allow you to enroll into Medicare without incurring a penalty fee. SEP also affords you the privilege to enroll in any Medicare Supplement plan without having to answer any medical questions.<\/p>\n

If you need the form mailed to you, then please call Secure Your Legacy at (832) 953-4229. Alternately, you can download and print the proper documents from the following links:<\/p>\n

Enrollment for Part B: \u00a0https:\/\/www.cms.gov\/Medicare\/CMS-Forms\/CMS-Forms\/Downloads\/CMS40B-E.pdf<\/a><\/p>\n

Request for Employment Information: \u00a0https:\/\/www.cms.gov\/Medicare\/CMS-Forms\/CMS-Forms\/Downloads\/CMS-L564E.pdf<\/a><\/p>\n

All documents will need to be signed and mailed to the Social Security Administration Office. For purposes of verification and reference, be sure to make copies of everything that you are submitting to the SSA Office. Given the Covid-19 pandemic, enrollment may be somewhat delayed. As long as you have mailed your information and have proof of documentation, then you should be okay. However, you must not delay in acquiring and submitting the abovementioned forms. Time is of the essence.<\/p>\n

For more information, please visit us at\u00a0\/medicare\/<\/a>, or call Secure Your Legacy\u2019s office at (832) 953-4229.<\/p>\n

Hope this helps.<\/p>\n

Stephanie Salcedo<\/p>[\/et_pb_text][et_pb_divider color=”#E0C389″ _builder_version=”4.14.0″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][\/et_pb_divider][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjQ0MyJ9fQ==@” button_text=”Contact Us” _builder_version=”4.14.0″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#8B0E3A” button_border_width=”0px” button_border_radius=”4px” button_font=”Nunito-Regular||||||||” box_shadow_style=”preset1″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"

\u201cHello, Stephanie\u2014I\u2019m 66 and was intending to work until 70. I was recently laid off from my employer due to the Coronavirus epidemic. I\u2019m no longer going to have health insurance through my employer, and now I\u2019m scared and don\u2019t know what to do about health insurance. The HR department is not in the office […]<\/p>\n","protected":false},"author":2,"featured_media":526,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section fb_built=\"1\" _builder_version=\"4.14.0\" _module_preset=\"default\" custom_margin=\"0px||||false|false\" custom_padding=\"0px||0px||false|false\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.14.0\" _module_preset=\"default\" custom_padding=\"36px|||||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.14.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.14.0\" _module_preset=\"default\" text_line_height=\"1.6em\" ul_line_height=\"1.8em\" header_3_text_color=\"#8B0E3A\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]

\u201cDeath Away from Home\u201d<\/p>\n

The death of a loved one is challenging enough without the added burden of arranging to return his or her body home from another country, city or state. \u00a0 When a family member dies abroad, making arrangements for disposition can become very involved and expensive. \u00a0Unfortunately, whether traveling or living abroad for business or pleasure, people often die far from home, and the next-of-kin must arrange for the repatriation of the remains from the country or state in which the death occurred. Secure Your Legacy can assist families on preparing for the unexpected without incurring drastic EXPENSES!<\/p>\n

\u00a0Here are the steps to take if you need to return a body to your home state or the United States if your loved dies while traveling in a foreign country.<\/p>\n

STEP 1:<\/strong>\u00a0\u00a0Be certain that the name of a person to be contacted in the event of an emergency is included in your passport and or wallet. \u00a0Your preference for body disposition should also be attached to your passport and wallet (burial\/cremation). \u00a0<\/p>\n

STEP 2:<\/strong>\u00a0Call either 911 or the nearest U.S. EMBASSY OR CONSULATE. \u00a0(Navigating the often-complex regulations and laws governing the transport of human remains from one country to another can feel overwhelming for those grieving a death; fortunately, the consular official can help make this process easier by conveying a family\u2019s instructions to the appropriate individuals\/offices abroad.)<\/p>\n

STEP 3<\/strong>: \u00a0Once you or the next-of-kin have contacted 911 or an official at the Bureau of Consular Affairs, this individual will immediately offer various forms of assistance that will prove invaluable. In the U.S.A. you must go through a funeral home or\u00a0mortuary for the return of remains, these associated cost vary from state to state. \u00a0A funeral director will guide you\u00a0through the process. \u00a0<\/p>\n

Finally, returning human remains to the United States from another country is subject to a myriad of laws and regulations. The disposition of the deceased individual is subject to both U.S. law and that of the country in which he or she died, as well as the customs requirements of both countries.\u00a0An essential duty performed by a U.S. consular official is the preparation of the necessary paperwork to facilitate the shipment of the body\/human remains to the United States<\/strong>.<\/p>\n

STEP 4:<\/strong>\u00a0BEREAVEMENT AIRFARE\u2026.First thing most families do is travel where their loved one has passed. \u00a0Bereavement airfare are available for both domestic and international travel. \u00a0They are NOT always the least\u00a0expensive seats. \u00a0However, check for the lowest available fares before asking if there are bereavement seats available. \u00a0Only certain classes of seats are marked for the bereavement discount.<\/p>\n

WHAT YOU DON\u2019T KNOW WILL COST YOU!<\/strong>
Secure Your Legacy has saved families thousands of dollars when it comes to funeral related expenses. \u00a0Let us\u00a0help eliminate confusion and excessive expenses at time of need. Call today to find out more about\u00a0\u201cLife-Time Worldwide Travel Protection\u201d \u00a0or contact our office to attend a free educational workshop\u00a0on funeral planning (832) 953-4229.<\/p>[\/et_pb_text][et_pb_divider color=\"#E0C389\" _builder_version=\"4.14.0\" _module_preset=\"default\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"][\/et_pb_divider][et_pb_button button_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjQ0MyJ9fQ==@\" button_text=\"Contact Us\" _builder_version=\"4.14.0\" _dynamic_attributes=\"button_url\" _module_preset=\"default\" custom_button=\"on\" button_text_size=\"18px\" button_text_color=\"#FFFFFF\" button_bg_color=\"#8B0E3A\" button_border_width=\"0px\" button_border_radius=\"4px\" button_font=\"Nunito-Regular||||||||\" box_shadow_style=\"preset1\" global_colors_info=\"{}\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]","_et_gb_content_width":""},"categories":[1],"tags":[],"yoast_head":"\nLaid Off New To Medicare - 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