THEY MUST ENROLL THREE MONTHS BEFORE THEIR BIRTHDAY. PEOPLE WHO DO...

65, they must enroll three months before their birthday. People who do not enroll within their first enrollment period may enroll later, during the first three months of each year. Those people, however, must pay 10% additional for each twelve-month period that elapsed since they first could have enrolled. The monthly premium is deducted from social security payments, railroad retirement or civil service retirement benefits.