A blog about Medicare. What you and your employees need to know
Verify- What is an EVF?
Author: Lora Drummond
Medicare Transition Specialist
[23- 52 Solution Series] – Verify – What is an Employment Verification Form?
Do you have an employee ready for Medicare? Did they postpone signing up because they continued on an employer group plan while working past age 65, and now they’re ready to retire?
To make the jump to Medicare, they will need a form from you to help them transition to Medicare under a special enrollment period. The employee has a specific period of time to enroll, so your help in facilitating this document is critical to helping them meet that transition deadline.
Employment Verification Form
As long as the employee was covered continuously by a creditable group plan (and the employer had 20 or more employees covered on the group plan), they will need an employer verification (EFV) form. Or, as Medicare calls it, a “REQUEST FOR EMPLOYMENT INFORMATION” Form CMS–L564 to be supplied with their Medicare plan enrollment forms. https://www.cms.gov/medicare/CMS-Forms/CMS-Forms/Downloads/CMS-L564E.pdf
An EVF provides proof of group coverage for employees over 65 and outside their Medicare initial enrollment period. This form is submitted with their Medicare Part B enrollment form. They need to prove they qualify for a Special Enrollment Period (SEP) to sign up for their Medicare upon retirement and avoid penalties.
Proof of Employer Continuous Coverage
For an employee to qualify for a SEP, they must meet two criteria:
- They must have group health insurance while ACTIVELY employed (from their job or spouse’s job) or have had such insurance within the past eight months. AND
- They must have been CONTINUOUSLY covered by job-based insurance since becoming eligible for Medicare (including the month they turned 65.)
A SEP grants the employee the opportunity to enroll in Medicare with the same eligibility benefits as though he was enrolling when he was 65. He avoids any lifelong penalties for deferring initial enrollment and still enjoys guaranteed issue if he selects a Medicare supplement.
The EVF will ask when the employee first went on a group plan and left the plan. The starting date is the very first date they enrolled with your employer plan. The end date is the date he left the group plan. It’s essential that the employee’s employment show he has been on continuous group plan coverage past the date he was first eligible for Medicare.
It will also ask the period of time when the employee was actively employed. If the employee went on Cobra benefits after age 65, there is a coverage gap upon leaving the company –they do not have continuous coverage or work history. Cobra is not considered creditable coverage after age 65. So they would not qualify for a SEP to enroll in Medicare.
By providing this form for your Medicare transitioning employee, you give him peace of mind and a smoother enrollment process.
If you need any help with completing the details of the form or helping your retirees plan their transition to Medicare, our Certified Medicare Planners® are here to help.
If Medicare feels a bit confusing, we get it!
That’s why we are here – to help make Medicare@Work easier! An employee can find greater confidence about when to enroll in Medicare by consulting with a Medicare expert like a Certified Medicare Planner®… or whether they should wait and keep their employer group plan.
Every situation is different.
Medicare guidance for your employees in 2021.
Create a compliant Medicare benefit support plan. Give your employees personal guidance from a team of experts that will follow them after they retire.
You can receive helpful Medicare resources, and tips and tricks to build your Medicare transition strategy just by signing up to receive a blog article a week delivered to your email. ( We promise only one per week and you can opt-out at any time)
Plus get early notifications of any NEW helpful resources and Medicare news! SIGN UP BELOW!
Your Medicare Transition Partner
Subscribe to Medicare@work
Other Posts from Medicare@work
Medicare Stew – A short series simply explaining the main ingredients of Medicare to help your employees. Read what Original Medicare is.
Ready to reduce your workload in 2022? Add a team of Medicare experts and education to your benefits team. We make Medicare@Work 123easy!
You are on a vacation with your family in another state. How does your Medicare Advantage plan work in an emergency?
Thank you from The Medicare Architects for trusting us with helping your employees transition stress-free from their group plan to Medicare.
If your employees enroll in Medicare while still working neither they or their employer can continue to contribute to their HSA.
Turning 65 in 2022? Here are are some thing to consider if you will keep working past your birthday and want to keep your employer plan.
Medicare wants to help you stay healthy so there are some options for covering nutrition, fitness, and weight management programs.
Here is a perfect example of why HR folks refer employees to us for helping employees discuss retirement and healthcare benefit options with Medicare experts.
You might have a loved one on Medicare with a caregiver. Here are some ideas for helping caregivers find time to focus on their own health and well-being during the busy holidays
When your modified adjusted gross income (MAGI) is at a certain level you may need to pay a surcharge on your Medicare premium called your IRMAA adjustment. Learn Abour IRMA and MAGI here.