ArcaMax

Hi, Toni:

I’m turning 65 in May and having an issue trying to enroll in Medicare since my Social Security account is locked. Two years ago, someone falsely filed a tax refund with my Social Security number. Now anything that involves me or my spouse’s Social Security number, credit report or IRS information is locked and cannot be accessed.

How I can enroll in Medicare when I cannot open up a “My Social Security” account? This is what the Medicare.gov website advises me to do since I am turning 65 and not on employer’s benefits. I am a self-employed real estate agent with an individual plan.

Thanks, Toni, looking forward to your advice.

—Terri from Las Vegas

Great question, Terri:

Americans who are turning 65 and not receiving a Social Security check should apply for Medicare by visiting www.ssa.gov/medicare/sign-up during the window beginning three months prior to turning 65 for Medicare Parts A and B to begin the first day of the month of turning 65. (This information is available on page 17 of the 2026 Medicare & You handbook.)

A fraud situation with your Social Security number like you are experiencing, Terri, can prevent anyone from opening a “My Social Security” account.” For those who are locked out of their Social Security account due to fraud, the quickest way to enroll is to visit in person at the closest local Social Security office. (You can find your specific Social Security office by searching online with your zip code.) This office can unlock your Social Security numbers, allowing both you and your spouse to open a “My Social Security” account, and can enroll you in Medicare online to begin the first day of the month you turn 65.

Terri, I would advise you and your spouse to not leave that local Social Security office until your “My Social Security” accounts have been set up and your Medicare enrollment is finalized through Social Security.

Those turning 65 who need to enroll in Medicare and do not have a locked Social Security account may go online to www.ssa.gov/medicare/sign-up to enroll after setting up a “My Social Security” account. Be sure to have your username and password handy to begin Medicare enrollment.

Remember, with Medicare, what you don’t know WILL hurt you!

_____

_____

Toni King is an author and columnist on Medicare, Social Security and long-term care issues. She has spent nearly 30 years as a top sales leader in the field. If you have a Medicare question, email info@tonisays.com or call 832-519-8664. Sign up for the Toni Says newsletter at www.tonisays.com to keep up to date on Medicare changes.

©2026 Toni King. Distributed by Tribune Content Agency, LLC.

Copyright 2026 Toni King, Distributed by Counterpoint Media