Time Frame. Time limits usually begin following the decedent's date of death and vary from state to state. For example, in Montana, the time limit for probate is 3 years following the decedent's death. In Ohio, however, the time limit is much longer at 20 years following the decedent's death. Some states, such as California, have no time limits for filing a will for probate.
Medicare is a right afforded to all citizens of the US if they meet certain criteria. That does not mean however that the service can be forced upon anybody. If you reach the age of 65 and have had private insurance offered through your employer, they canât force you to take Medicare to reduce there costs.
I think you'll agree that your particular situation will exempt you from having to sign up for Medicare at age 65. But whether taking advantage of not signing up for Medicare at age 65 is a good idea or not will depend on what you find out from your employer. Also at the bottom of this page is a link to the SEP (Special Enrollment Period) publication. You might want to click on that to see what that has to say.