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If you’re enrolling in Medicare after 65, there’s a form the government expects you to have. It’s called Form L564, and without it, you could face lifetime late enrollment penalties—even if you had employer health coverage. Most people have never heard of this form until it's too late. HR departments don’t always mention it. Social Security won’t chase you down. And Medicare doesn’t make exceptions for “I didn’t know.” That’s why we created a short quiz that covers the 10 most commonly misunders
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