Are you aware of the benefits payable to family members? What is the maximum amount that a family is entitled to receive?
The limit varies but it is generally between 150 to 180 percent of the basic benefit rate. If the sum of benefits payable to family members is greater than this limit the benefits will be reduced proportionately.
To know whether to apply for Medicare, if I have health insurance through an employer, should I apply  for Medicare?
Yes, you still should check to see whether you need to sign up for Medicare because some health insurance plans change at age 65.