I read recently that

a person has to enroll in medicare within 3 months of their birthday or they will face penalities. I think it would only be part A to sign up for and the other parts would have to be taken care of within 8 months of acutally retiring from work when you choose to becuase work would be taking care of the other parts. I’d double check that, but I do remember reading it this last week. This articale might help.
I’m working on learning about it as much as I can. My mom is 60, working, and has no plans to retire. In addition to no plans to retire since she can’t, she’s also not one to look that stuff up and actually understand it, so I do my best to try to watch out for her when she lets me.