Carl Davis was previously entitled to DIB for the period 6/84-12/87 and was entitled
to D-HI and D-SMI on the basis of 24 months DIB entitlement. Carl files an SSA-16
on 4/12/91 alleging Carl became disabled on 11/15/90. When the claim is adjudicated
in 8/91, Carl Davis is found eligible for DIB and HI beginning 12/90.
Because more than 5 months' SMI premiums have accrued, Carl is awarded SMI effective
8/91. Carl is advised in the award notice that Carl may have coverage beginning 12/90,
provided Carl notifies us in 30 days and authorizes deduction of all retroactive premiums.
If Carl decides instead to refuse enrollment, and does so by 10/31/91, Carl will be
deemed never to have enrolled. The SMI award of 8/91 will be deleted and any SMI premiums
that were withheld will be refunded to Carl.