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months preceding the month for which he will be first eligible. For example; - A worker will be 65 in November 1971 but will retire at the end of June 1971. If he wants to claim a reduced retirement benefit effective for July, he should file during the April-May-June period. If he wants benefits effective November, he should file in the August - September-October period. He should not delay filing until November because that would cause his medical insurance coverage to be effective only with December.
Medicare has two parts Hospital Insurance and Medical Insurance. To get Medical Insurance coverage, no work covered by Social Security is required. But it is necessary to be! 65 years old and to enroll during an enrollment period. To have this coverage effective at age 65 one must sign up for it some time during the three-month period preceding the month in which he reaches age 65. There have been many cases of loss of coverage in this area and quite a few involved wives, older than their spouses, who delayed filing until their husbands were 65.
A claim for any type of
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