I am a US citizen. My wife is not. Years ago my wife had a US green card, but she returned it after we moved overseas years ago. We now live year round in Asia.
Both my wife and I have paid into the US Social Security system long enough to qualify for Social Security in the future. My wife will be entitled to receive full Social Security starting at age 66. I will at age 66 and a half.
We have also both qualified for Medicare someday, and my questions for this forum concern Medicare.
My wife is rapidly approaching retirement age, and her most recent statement from the Social Security Administration had a reminder to be sure to sign up for Medicare three months before turning age 65 or you may have to pay a late enrollment penalty.
As I mentioned, she is not a US citizen and she is also no longer a green card holder, and it is very likely we may never return to the US to reside. So, as the letter she received indicates, MUST she apply for Medicare and start paying for Medicare B at age 65? Or, as a non citizen and non resident living outside the US, could she even apply for Medicare at age 65 if she wanted to?
And what if later on, perhaps at age 70, she and I decide to move back to the US, and she gets another green card. Could she then apply for Medicare? Would she be hit with the late penalty?
If anyone has answers, please advise us. Thanks.