Will I still be able to get Social Security and Medicare when I’m older?

Yes — absolutely

The 12-411 process does not affect your eligibility for Social Security or Medicare. These programs are not income-based welfare; they are contribution-based insurance programs that you’ve earned by working and paying into the system over time.

As long as you’ve:

• Worked the required number of quarters

• Accumulated sufficient Social Security credits

• Paid into the system through past employment

You will remain fully eligible to:

• Receive monthly Social Security retirement income

• Enroll in Medicare and receive federal health coverage when eligible

What’s more — because your income is reclassified as non-taxable, any Social Security or pension income you receive in retirement will be 100% tax-free under the 12-411 process.

Bottom line: You don’t lose Social Security or Medicare. In fact, you get to keep all of it — without ever paying tax on it again.