The Medicare Part D enrollment period is October 15 to December 7, 2011.   Therefore, all Medicare Part D notices of creditable or non-creditable coverage must be provided prior to October 15, 2011.

• Model Individual Creditable Coverage Disclosure Notice Language (English or Spanish)
• Model Individual Non-Creditable Coverage Disclosure Notice Language (English or Spanish)

The information contained in this Benefit Beat is not intended to be legal, accounting, or other professional advice, nor are these comments directed to specific situations.

As required by U.S. Treasury rules, we inform you that, unless expressly stated otherwise, any U.S. federal tax advice contained in this Benefit Beat is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service.