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You must have good reasons for not claiming sooner.
The good reasons must last throughout the whole period that you are asking your application to be backdated for.
The Office of Thrift Supervision (OTS) was a United States federal agency under the Department of the Treasury that chartered, supervised, and regulated all federally chartered and state-chartered savings banks and savings and loans associations. federal bank regulators, it was paid by the banks it regulated.
It was created in 1989 as a renamed version of another federal agency (that was faulted for its role in the savings and loan crisis). The OTS was initially seen as an aggressive regulator, but was later lax.
You have control of your health care and can choose the provider, facility and timing of your treatment.