My daughter in law needs to sign up for medicare

[Ms. Toad]

15. They send a quarterly physical bill.

We direct the bank to send a check to pay the bill. We don't get images of the cashed
checks back, unfortunately, due to a quirk in our bank. Until recently, we got images - but they changed their database and don't have the quirks straightened out yet.

I'm sorry your daughter is struggling with cognitive issues. If there is a chance the cognitive issues might force a retirement within the 3 months after her 65th birthday you/she will need to do some careful thinking about whether to opt out of work insurance and enroll early - or risk up to 2 months without coverage. Enrollment in Medicare Part B has a 7 month initial enrollment period (3 months before, the month of, and 3 months after her 65th birthday. When she retires she will get a second option to enroll under the same conditions as the first (2 months after losing her health insurance). When those two periods overlap, the initial enrollment period rules govern (which requires delays before the start of coverage if you enroll in the 3 month period after your birthday. I almost had a coverage gap because I retired unexpectedly on the last day of the 3rd month following my birthday. Had it been on the last day of the 2nd month, I would have had a month with no insurance because enrollment in the 3 month period after your birthday imposes a delay of 1-2 months before Medicare starts. It's a really complex set of rules.