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When you work and pay Social Security taxes, you earn credits toward Social Security benefits. To qualify for Medicare at age 65, you need 40 credits or 10 years of work. You may qualify for Medicare through your own earnings history, your current spouse, former spouse or deceased spouse.
The best-known payments that come under the umbrella of Social Security include retirement and spousal retirement benefits. Although you can qualify to claim retirement benefits as early as age 62, you won't get the maximum benefit at that age. Whenever you're ready to apply, you can make the application online, by phone or in person at a local Social Security office. If you're turning 65, Social Security can handle your Medicare application also.