When you delay Medicare Part B because you are still working and covered under an employer plan, you will need specific forms to enroll later without penalties. These forms confirm that you had qualifying coverage, and getting them completed correctly can save you money and stress. This guide explains what the forms are, why they matter, and how to get them from your employer.
The Two Forms You Need for Medicare Enrollment
When you are ready to enroll in Part B after age 65, you usually submit two forms together:
Form CMS 40B
This is the Medicare Part B application. You fill it out yourself.
Form CMS L564
This is the Request for Employment Information. Your employer fills out part of it to verify that you had active employer group health coverage.
Both forms work together to show Medicare that you qualify for a Special Enrollment Period. This allows you to sign up for Part B without a late enrollment penalty.
Why the Employer Form Matters
Medicare needs proof that you were covered by active employer health insurance, not retiree coverage or COBRA. The L564 form provides that proof. Without it, Medicare may charge you higher premiums for waiting to enroll.
How To Get the Employer Form Completed
Step 1: Download the Form
You can find Form CMS L564 on the official Medicare or Social Security website. It is a simple one page document.
Step 2: Contact Your HR or Benefits Office
Reach out to the team that manages your health insurance. Let them know you need Form L564 completed for Medicare. Most HR offices are familiar with it and can return it quickly.
Step 3: Provide Any Needed Details
Some employers ask for your hire date or proof of current coverage. Having your insurance card and employment history handy can make the process smoother.
Step 4: Check That the Form Is Fully Completed
Your employer should fill out Section B, sign it, and include their contact information. Double check that nothing is missing. Medicare will not process an incomplete form.
Step 5: Submit the Forms Together
Send CMS 40B and CMS L564 to Social Security. You can do this by mail, by fax, or by dropping them off at your local office. Many people choose to upload the forms through the online Social Security portal for faster processing.
Tips for a Smooth Experience
- Request the form early so you are not rushing near your enrollment deadline.
- Keep copies of everything you submit.
- If you had coverage through multiple employers, you may need separate L564 forms.
- Ask your HR office who to contact if Medicare needs follow up verification.
Final Thoughts
Getting employer forms for Medicare is usually straightforward once you know what to ask for. These documents protect you from penalties and allow you to transition from employer coverage to Medicare with confidence. A bit of planning and clear communication with your HR team can make the entire process much easier.
