My Spouse is Turning 65
The following web page answers these questions and supports Academic Administrators, Faculty, Institutional Officials, Merit AFSCME, Merit Confidential & Merit Supervisory and P&S employees who are currently employed at the University.
6 Months Prior
- Create a checklist of items that might need changed when your spouse turns 65, the following items could be considered:
- Health, dental, and vision insurance
- Life insurance beneficiaries
- Health Care Flex Spending
- Voluntary Term Life (VTL)
- Emergency contacts
- Tax forms
- Address change
4-6 Months Prior
- Does your spouse plan on enrolling into Medicare? If so, this is a good time to review all insurance plans that you are eligible for to determine what plan works best for you.
- To see what plan would work best for you and your family please visit our website.
- If you choose to enroll/change in a UNI plan, did you consider signing up for the flexible spending plan for health care? The Health Care Flex Spending Account (FSA) will use pre-tax dollars to pay for co-pays, coinsurance, and deductible charges from your health, dental, and vision plans. Pre-tax contributions for FSA's reduce your taxable income, lowering the earnings that are reported to the Social Security Administration for purposes of calculating your Social Security benefit. Please consult your own tax and financial advisors before engaging in any decisions.
- At the time of a life event it’s a good time to review optional Voluntary Term Life Insurance for yourself and your family. You may also want to review your life insurance beneficiaries.
- When you have decided which plans work best for you plan ahead and find out what the enrollment process is. If your spouse decides to enroll into Medicare you will need to provide documentation showing their Medicare effective date.
Medicare Enrollment Time Frame
- If your spouse decides to enroll into Medicare Part A they can do so starting 3 months prior to their 65th birthday, the month of their birthday, and 3 months after their birthday.
- If your spouse has decided to enroll into Medicare Part A you will have 30 days from the date your spouse turns 65, or 30 days from the date your spouse’s Medicare coverage begins, whichever is earlier, to remove them from your plan.
- If you miss the 30 day time frame, you may make changes to your plan during Open Enrollment.
- You may also need to update your tax information now that you’re married. This can be done by logging into eBusiness Suite and selecting W-4 Form Employee Withholding Allowances under the UNI Employee Self Service link.
Health & Dental Coverage
If you are still employed by the university, and your spouse is turning 65, they are eligible to remain on your health and dental plans, and it will remain as their primary coverage.
By turning 65 your spouse is now eligible to sign up for Medicare Part A. Medicare Part A covers hospital care, skilled nursing facility care, nursing home care, hospice, and home health services. Medicare Part A does not cost anything.
To enroll in Medicare Part A they can contact the Social Security Office. There is a seven month window around a persons 65th birthday in which you are eligible to enroll.
If your spouse chooses to elect Medicare as their primary insurance and you wish to remove them from your coverage, you have 30 days from the date your spouse turns 65 or 30 days from the date your spouse's Medicare coverage begins, whichever is earlier, to remove them from your plan. You must provide the documentation showing their Medicare effective date. If you have missed this time frame, you may make changes to your plan during Open Enrollment.
For questions regarding Medicare eligibility and how it works, please contact:
Waterloo Social Security Office
3121 Greyhound Drive
Waterloo, IA 50701
Phone (888) 456-9554
Hours: Monday - Friday 9:00 A.M. - 4:00 P.M.
Senior Health Insurance Information Program (SHIIP)
Phone: 1-800-351-4664, or visit their website
Wellmark Medicare Resources
Learn the basics about Medicare, starting with eligibility at the Wellmark Medicare 101 website.