So much fanfare and talk surrounds this magical birthday. To add confusion, Social Security retirement income traditionally circles around this age on the calendar as well. But what if you decide to continue working past age 65? How does my group insurance work? Do I have to start paying Part B premiums if I remain full time at work and on group coverage? These and other planning questions arise when the decision to keep working beyond age 65 is executed upon. And quite frankly, most people have a full retirement age for Social Security that is nearly age 67, so Medicare starting at age 65 just breeds confusion with government benefits. There is actually strategy to consider as you work through both Social Security and Medicare. The best idea is to arrange a meeting and listen to your options. Everyone has a different solution that will work best for their greatest benefit, so please do not rely on overhearing a friend or neighbors’ decision and assume it works in your best interest.