Page 16 THE MALDEN ADVOCATE–Friday, January 26, 2024 avavvyvy avvy S iorn oreniioor a avvy Dear Searching, There are many couples in your situation when it comes to applying for Medicare. The answer generally is yes, your spouse can qualify for Medicare on your work record. Here’s how it works. Medicare Requirements Medicare, the government health insurance program for older adults, covers around 60 million Americans age 65 and older, as well as those younger that have a qualifying disability or have End-Stage Renal Disease. To be eligible, you must have worked and paid Medicare taxes for at least 10 years to qualify for premium-free Medicare Part A hospital coverage when you turn 65. If you qualify, then your non-working spouse will qualify too, based on your work record when she turns 65. Divorced spouses are also eligible if they were married at least 10 years and are single, as are surviving spouses who are single and who were married for at least nine months before their spouse died. In addition to Part A, both you and your spouse would also qualify for Medicare Part B, which covers doctor’s visits and other outpatient services, but requires a monthly premium. The premium for Part B benefi ciaries in 2024 is $174.70 per month per person. Couples fi ling jointly with incomes over $206,000 per year pay even more. There are also a number of other caveats you should know about depending on your wife’s age. Older Spouses If your wife is older than you, she can qualify for Medicare on your work record at age 65, even if you’re not getting Medicare yourself, but you must be at least 62 years old. You also must have been married for at least one year for your wife to apply for Medicare on your work record. If you are still working and your wife is covered by your employer’s health insurance, she may want to enroll only in the premium-free Medicare Part A until you retire, or your employer coverage ends. Part B – along with its premium – can be added later without penalty as long as your employer’s group health plan is your “primary coverage.” Check with your employers’ human resources department to fi nd out about this. (Note: If your wife is funding a health savings account, she may not want to take Part A because she can’t make contributions after she enrolls). Younger Spouses If your wife is younger than you, she will need health insurance until she turns 65 and becomes eligible for Medicare. This may be through the Health Insurance Marketplace (see healthcare.gov), or if you’re still working, through COBRA (see dol.gov/general/topic/health-plans/cobra). Other Medicare Choices In addition to Medicare Part A and B, when you and your wife become Medicare eligible, each of you will also need to enroll in a Part D prescription drug plan if you don’t have credible drug coverage from your employer or union. And, you may want to purchase a Medicare supplemental (Medigap) policy too, to help pay for things that aren’t covered by Medicare like copayments, coinsurance and deductibles. Or, you may want to consider an all-in-one Medicare Advantage plan. For more information on Medicare choices and enrollment rules visit Medicare.gov or call 800-633-4227. You can also get help through your State Health Insurance Assistance Program (see shiphelp.org), which provides free Medicare counseling. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. iori by Jim Miller What You Need to Know About Medicare Spouse Coverage Dear Savvy Senior, Are spouses who have not worked outside the home eligible for Medicare benefi ts? I have worked most of my adult life, but my wife has been a mother and homemaker since we got married and hasn’t held an income-producing job since she was in college. Will she be eligible for Medicare? Searching Spouse Students named to Dean’s List at Fitchburg State F itchburg State University President Richard S. Lapidus has announced the students who qualifi ed for inclusion on the Dean’s List for the Fall 2023 semester. The following stu- LEGAL NOTICE - City of Malden Massachusetts Board of Appeal 215 Pleasant Street Malden, Massachusetts 02148 Telephone 781-397-7000 x2161 MALDEN BOARD OF APPEAL PUBLIC HEARING The Malden Board of Appeal will hold a public hearing on Wednesday, February 21, 2024 6:30 pm Eastern Time (US and Canada) at Malden City Hall, 215 Pleasant St, Room #106 Herbert L Jackson Council Chambers, Malden, MA on Petition 24-001 by Lourdharry Pauyo seeking a variance under Code of the City of Malden as amended – Title 12 MCC 12.12.190 (F) (1) (c) – Specifically, The Location of a Marijuana establishment within 75 feet of any residential use - as per Plans CMID-063016-2023 at the property known as and numbered 28 Broadway Malden, MA and also known by City Assessor’s Parcel ID #123-481-125 Additional information, Petition and plans available for public review in the Office of Inspectional Services, 215 Pleasant St., 3rd floor, Malden, MA or online at www.cityofmalden.org or https://maldenma-energovweb.tylerhost.net/apps/SelfService#/home Nathaniel Cramer, Chair January 26, February 2, 2024 ~ Legal Notice ~ NOTICE OF ACTIVITY AND USE LIMITATION Construction Site 54 Eastern Avenue, Malden MA RTN: 3-37898 A release of oil and/or hazardous materials has occurred at this location, which comprises disposal site as defined by M.G.L. c. 21E, § 2 and the Massachusetts Contingency Plan, 310 CMR 40.0000. On January 18, 2024, 54 Eastern Malden Condominium recorded with the Middlesex South Registry of Deeds A NOTICE OF ACTIVITY AND USE LIMITATION on the disposal site, pursuant to 310 CMR 40.1070 through 40.1080. The Notice of Activity and Use Limitation will limit the following site activities and uses on the above property: • The removal of, or any activities that are likely to damage and/or compromise the effectiveness of, surface treatments (i.e. pavement, sidewalks, slabs, foundations, clean cover soil) that are intended to prevent access to contaminated soil; • Planned (non-emergency) activities and/or uses which involve the excavation, or disturbance of, or direct contact with, contaminated soil other than subsurface explorations for engineering assessment, and routine landscaping unless such activities and uses are conducted in accordance with the MCP, a Health and Safety Plan, and a SMP; • • The use of the Property for single-family homes; and The use of the Property for growing fruits or vegetables intended for human consumption. Any person interested in obtaining additional information about the Notice of Activity and Use Limitation may contact Bread of Life 54 Eastern LLC at 54 Eastern Avenue in Malden, Massachusetts (781) 397-0404. The Notice of Activity and Use Limitation and the disposal site file can be can be viewed at MassDEP website using Release Tracking Number (RTN) 3-0037898 at: https://eeaonline.eea.state.ma.us/portal#!/search/wastesite or at MassDEP, Northeast Regional Office, 150 Presidential Way, Woburn, MA 01801, (978) 694-3200. January 26, 2024 dents from Malden made the list: Kenny Chery, Guerdy Colas, Daniel P. Disessa and Max A. Laguerre. A student is placed on the Dean’s List for the semester if an average grade of 3.20 or better is attained, and the student is attending the university full time. Fitchburg State University enrolls day and evening students in more than 50 programs of undergraduate and graduate study. The university was established in 1894. Learn more at fi tchburgstate.edu. For Advertising with Results, call The Advocate Newspapers at 617-387-2200 or Info@ advocatenews.net
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