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if you want to keep working past age 65 no problem dont dont freak out about the medicare penalty if you want to work uh one year two years three years five years ten years however long you want to work as long as your employer has over 20 people on it theres no problem with medicare theres no penalty its fine but when you do retire and were trying to help you get signed up for medicare part b and your supplemental insurance and your drug plans were going to need proof that you were on that group plan for all those years on that health insurance plan and youre going to need those papers so anthem blue cross was the last big company that didnt need that proof and they just changed their rules yesterday so everybody needs it and its a pain to get it because think about it youve retired you dont work there anymore you think the hr director is going to go through a lot of trouble to help you get those papers for the last two three four five years they dont and then we cant he