@NCperson
That's why I said "up to" 6 months retroactively. If the spouse delayed 4 months, coverage would begin 4 months retroactive to the month they turned 65. If the spouse delayed 24 months (age 67), coverage would begin 6 months retroactive to the date they applied (age 66-1/2)
But the real point here is that as long as the spouse enrolls during their initial enrollment period, there is no complicated retroactive enrollment to worry about.
