EBS Retiree Division
EMPLOYEE BENEFIT SYSTEMS was founded in 1997 when we recognized a need to provide the BEST IN CLASS insurance products to members and their families.
Our Senior Leadership has contributed their extensive expertise, company contacts, quality customer care, and knowledge of the Union and Municipalities insurance needs and interests. As such, Employee Benefit Systems offers over 120 years of combined experience in the insurance industry.
At EBS we focus on what the member needs for their financial protections through insurance products. Our benefit counselors are non-commissioned licensed insurance professionals. Without the commission component the benefit counselor can focus on educating the member on the available products and finding the right and most affordable solution to a need.
We approach each customer with the idea of helping him or her solve a problem or achieve a goal, not of selling a service or a product.
We are leaders in our industry and stand ready to provide creative solutions to your insurance needs.
Find the Right Medicare Plan for You
Review Your Medicare Plan It's FREE!
GET KNOWLEDGEABLE ADVICE TO ENSURE YOU HAVE THE BEST PLAN FOR YOUR HEALTH AND BUDGET!
Empowering you is our business
We are leaders in our industry and stand ready to provide creative solutions to your insurance needs.
Medicare FAQ's
Got questions? We've got answers
You are eligible to apply for Medicare during your initial enrollment period which is a 7 month window. 3 months before turning 65, the month you turn 65 and 3 months after turning 65.
The easiest way to sign up for Medicare is online through SSA.gov or by Calling Social Security at 1-800-772-1213. You can also visit your local Social Security Office.
If you are already receiving Social Security Benefits you will be automatically enrolled into Original Medicare, otherwise you will be eligible to enroll during your initial enrollment period that starts 3 months before your 65th birthday.
If you miss your Initial Enrollment Period you can sign up during the General Enrollment period that occurs every year January 1st through March 31st. Coverage becomes effective the month following your enrollment date.
Yes, there are penalties for not signing up for Part B of Medicare and will be added to your premium.
If you need a new Medicare card you can order a replacement card by phone at 1-800-772-1213, or online at the Social Security Administration web site. Make sure you have your Medicare number ready when you call.
