Helen, who attained age 65 in 3/97, was covered under her husband"s GHP until he retired
on 5/31/99 at age 61. Helen never worked under social security, but she meets the
requirements for SMI and Premium-HI.
Although Helen could have enrolled under the SEP provisions at any time beginning
7/97 (the first month after the IEP), she did not apply until 4/99. She was awarded
Premium-HI and SMI effective 6/99 based on her request. Her premiums are not increased
for late enrollment because she was covered under a GHP all months after attaining