If a SMI award is delayed for an individual who would be on State buy-in for each
month of the retroactive entitlement period, make the SMI award effective with the
proper month since the State will pay all the retroactive premiums.
If State buy-in is involved, but would not apply for the first month of retroactive
coverage, or for some intervening months during the retroactive period, award the
individual a closed period of SMI for the buy-in period, and SMI as of the month of
processing, with a choice of coverage for the non-buy-in months, if he/she will pay
the premiums due.
EXAMPLE: Mary's award is processed in 4/92. Her first month of SMI entitlement should be 1/91.
She was on State buy-in from 6/91 through 10/ 91. She should be awarded a closed period
of buy-in coverage from 6/91 through 10/91, and continuous SMI from 4/92 on. She should
also be informed that she may have SMI from 1/91 or from 11/91 if she will pay the
premiums due from whichever date she elects (if she elected 1/91, she would not, of
course, pay premiums for the intervening buy-in months).