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you should compare annuity contracts offered by different companies since sales charges , surrender charges , interest rates and payouts can vary . If you turn 65 and are covered under your working spouse 's employer group health plan , you may want to delay enrolling in Medicare Part B. Note : Group health plans of employers with 20 or more employees must offer spouses of active workers the same health benefits regardless of age or health status . Zone A99 : SFHAs subject to inundation by the 100-year flood which will be protected by a federal flood protection system when construction has reached specified statutory progress toward completion . The first salvo was issued by none other than Strobe Talbott , a close associate of the pro-India former president , Bill Clinton , in his July 21 piece in the magazine , Yale Global . However , in order to receive these protections , beneficiaries must apply for a supplement policy within 63 days of disenrolling from the health plan , or within 63 days of the termination of the health plan . You may have heard this kind of health insurance referred to as comprehensive or major medical policies , alluding to the broad protection they offer . You must have worked at least 50 % of the working days in the previous calendar year . If you choose coverage under the employer group health plan and are still working ( see categories above ) , Medicare will be the " secondary payer , " which means the employer plan pays first . Annuities , like life insurance policies , are forms of financial protection . Some companies waive the surrender charge if the interest rate being credited to the contract falls below a specified level . Part of each payment will be interest and will be taxed as ordinary income . Catastrophic coverage pays hospital and medical expenses above a certain deductible ; this can provide additional protection if you hold either a hospital-surgical policy or a major medical policy with a lower - than-adequate lifetime limit . This further set the officials in both the countries working overtime on the dates . Participation in the NFIP is based on an agreement between local communities and the federal government which states that if a community will implement and enforce measures to reduce future flood risks to new construction in special flood hazard areas , the federal government will make flood insurance available within the community as a financial protection against flood losses which do occur . Interest builds up on the money contributed . With deferred annuities , insurance companies guarantee the interest that will be credited to your contract value .