Are you on Social Security Disability and getting ready for Medicare? Be prepared! Being uninformed of your Medicare benefits and options can result in delays in your coverage, financial penalties, and higher health care costs. To learn more, speak with a local Medicare counselor provided to you by the Florida Department of Elder Affairs’ SHINE Program. The SHINE (Serving Health Insurance Needs of Elders) Program provides free, confidential, and unbiased Medicare counseling and services. Learn more by contacting the Florida Elder Helpline at 1-800-963-5337, or visiting www.floridashine.org.