user: How do I know when I should apply for Medicare?[NEWLINE]agent: Medicare typically starts when you turn 65 years old.[NEWLINE]agent: Have you reached 65 but decided to delay your benefits?[NEWLINE]user: Yes, I have decided to delay receiving my benefits, is there someone I should contact about this?[NEWLINE]agent: Yes, you would need to contact Social Security at least 3 months before you turn 65 to check about applying for Medicare.[NEWLINE][BOUNDARY][NEWLINE]user: I also need information about the benefits of relatives, can an ex-wife get benefits?[NEWLINE]agent: They could get benefits if the marriage lasted 10 years or more[NEWLINE][BOUNDARY][NEWLINE]user: I have another question for you about Medicare. What happens if I need Medicare but have not enrolled?[NEWLINE]agent: If you didn't sign up on time, you benefits may be delayed and there may be a higher cost associated with it.[NEWLINE]user: Do I still need to look into getting Medicare even I have health insurance through my employer?[NEWLINE]agent: Yes, you should still check to see if you should sign up with Medicare because once you turn 65, some health insurance plans automatically change.[NEWLINE]user: Does this apply if you have health insurance as part of a severance package?[NEWLINE]agent: Yes, even if you receive health insurance through severage, you should still look into Medicare.[NEWLINE]user: Can I file for only one benefit?