Helen, who attained age 65 in 3/97, was covered under the spouse's GHP until the spouse
retired on 5/31/99 at age 61. Helen never worked under social security, but met 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), Helen did not apply until 4/99. Helen was awarded
Premium-HI and SMI effective 6/99 based on the request. Helen premiums are not increased
for late enrollment because of coverage under a GHP all months after attaining age