I ran into that same issue. I naively thought that the rule was back 6 months from when my Medicare would become effective, NOT the date I started the application. (I wanted to give myself plenty of time to see the application guidelines -- so wanting to be prepared is a mistake.) I can't think of any reason at all why the 6 months has to start from the date of application, when the desired effective date is also on the application. I am missing something?
