Can I Get Premium-Free Medicare Through My Spouse's Work Record?
Yes. If you don't have enough work credits on your own (40 credits / 10 years), you may qualify for premium-free Part A through your spouse's work record if your spouse has at least 40 credits.
Frequently Asked Questions
- How many work credits do I need for free Part A?
- You (or your spouse) need at least 40 Social Security work credits, which is roughly 10 years of qualifying work.
- Can a divorced spouse use the ex-spouse's credits?
- Yes, if the marriage lasted at least 10 years, you are currently unmarried, and you are 62 or older.
- What if neither of us has 40 credits?
- You can still buy Medicare Part A, but you'll pay a monthly premium. The amount depends on how many credits you have (30-39 credits gets a reduced premium).