Social Security and Medicare are two of the most important benefits you'll rely on in retirement, but they don't always start at the same time, and the rules can get confusing.

In this episode, Christian Sakamoto answers a listener's question, and he will walk you through:

• When you can claim Social Security vs. when you're eligible for Medicare

• Whether Medicare enrollment happens automatically

• How premiums are deducted from Social Security

• The penalties for late Medicare enrollment

• What to know if you're still working and covered under FEHB

If you're a federal employee preparing for retirement, you won't want to miss this breakdown.