Everyone's comments have helped. Sandee, I'm printing out your post for reference!
Filed online for Part A over the weekend and got a call today from "US Govt". It was a guy whose job it is to review applications. He said he had noticed that I hadn't worked for quite a few years and might want to file for SS benefits. :shock: :shock: :shock: I had never even thought about this, as my husband is still working and we both thought we would just wait until he retires to file together. But the guy on the phone pointed out that if I wait until age 66 to start collecting my own, it will take me 14 years to make up what I didn't collect for the first year (65). :? It looks as if it may be better for us if I start collecting SS now even though my dh will probably not retire for several more years.
Yikes....... I never even thought about this!!!