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Chat retirement strategies with AARP’s Jean Setzfand today, Oct. 24th, at 2:00 p.m. ET

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En español | Q. My mother is an American citizen, age 85 and living abroad where she has free health care. She receives a Social Security check every month but never enrolled in Medicare, since it doesn't provide coverage overseas. She is thinking of returning to this country to live with me. How does she apply for Medicare after not taking it for so many years, and will she be penalized for waiting so long?Back to Article

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