My client first became eligible for Medicare due to a disability before age 65, but opted not to enroll. Can they still sign up for Medicare without a penalty when they turn 65?

My client first became eligible for Medicare due to a disability before age 65, but opted not to enroll. Can they still sign up for Medicare without a penalty when they turn 65? 

Yes. Individuals who qualified for Medicare prior to age 65 (due to disability or having End Stage Renal Disease) will have all of their late enrollment penalties reset to $0 when they turn 65. 

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ACE TA Center