Thanks, that clears it up, I guess I'll make sure to sign up three months early, I don't need any delays with that.Happy early 65, and yup you've got a 7 month window to sign up for Medicare: three months before your birthday month, the month of, and three after. But if you want coverage to kick in on time, definitely aim for three months before mark. It's real time, not weird government math (for once).