Social Security & Medicare: Frequently Asked Questions
Social Security and Medicare are closely linked, but not always clearly explained. Here are answers to the questions we hear most often.
All information reflects 2026 guidelines.
Do I have to take Social Security to get Medicare? No. You can enroll in Medicare without starting your Social Security benefits.
Will I be automatically enrolled in Medicare? If you're already receiving Social Security benefits before age 65, yes — you'll typically be enrolled in Medicare Parts A and B automatically.
How do I sign up? Through the Social Security Administration at ssa.gov. You can enroll online, by phone, or in person at a local office.
Does Medicare cost anything? It depends on the part:
Part A: Usually premium-free if you've paid Medicare taxes for the required number of years
Part B: Has a monthly premium, which is income-based
How do I receive my Social Security payments? Benefits are paid electronically — typically via direct deposit. Paper checks are no longer standard.
When will I receive my payments? Payment timing is based on your birth date and is issued on a Wednesday each month:
Birthdays 1–10: Second Wednesday
Birthdays 11–20: Third Wednesday
Birthdays 21–31: Fourth Wednesday
Can Medicare premiums be deducted from my Social Security benefits? Yes. If you're enrolled in Part B and receiving Social Security, your premium is typically deducted automatically from your monthly benefit. Some Medicare Advantage and Part D plans also offer this option.
What if I keep working past 65? You may be able to delay Part B without penalty if you have qualifying employer coverage. Keep in mind that if you continue working, your Social Security benefits may increase over time — but if you claim early, your benefits could be temporarily reduced if your income exceeds certain limits.
When should I start Social Security? This is a broader financial question, and we recommend talking it through with your financial advisor. In general:
You can start as early as 62, though benefits are reduced before full retirement age
Full retirement age is 66–67, depending on your birth year
Waiting past full retirement age increases your monthly benefit
The right timing depends on your health, finances, and plans for the future. A TruLync advisor can help you think through the Medicare side of that decision — schedule a conversation here.
By calling 800-477-0764, you agree to speak with an independent health insurance agent about Medicare insurance products. We are not affiliated with Medicare or any government agency. We do not offer every plan available in your area. Currently we represent 8 organizations which offer 61 products. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options. This is an advertisement.
