another Medicare question

[wurm]

But it looks like for you it might start Oct 1st because you're applying during the month that you still have employer coverage. See the directions on page 3 of CMS-40B for this language.

Thanks, GGD. Actually, She's not 65 yet, so she'll either do COBRA or ACH.
I applied for Part B on 10/1, so if it takes effect on 11/1, I should still be okay as we're covered by the company policy through 10/31.