I went to the social security office today. (They actually make you stand at the counter and talk - seems kind of crazy for folks like us). Anyway, I digress. I found out that I am able to tell them that I decline Medicare for certain months so I won't have to pay the back pay for months I couldn't use. Seems like the lady might have been new that talked to me. I have to go back and talk to a caseworker about getting extra help. (My son had to be somewhere and he was with me).