Throughout Robert Joseph's career, the Alvin, Texas, electrician always understood his health insurance policies. "I've never had a problem," Joseph says, "until I tried to sign up for Medicare."
The chief reason: Joseph didn't sign up when he turned 65. He was still working, receiving health insurance from his employer. And when his company went bankrupt at the end of 2009 -- Joseph was then 67 -- he received 18 months of severance pay.
"On my last day of work, I went to the Social Security office, asking for some guidance," recalls Joseph. He never spoke to an expert; instead, he says, he was handed a couple of forms to complete. He researched his Medicare handbook, which noted that "current" employees didn't need to apply for Medicare. Since he continued to get monthly severance checks that deducted Medicare taxes and he was allowed to continue buying health insurance through the same carrier for the 18 months, he thought he could wait to join Medicare. He was wrong.
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