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Applications for Social Security benefits can only be processed a maximum of four months before benefits are scheduled to begin. Thus, the earliest you can apply is age 61 and nine months, and you can expect to receive your first payment four months later the month after your birthday.
If you apply for benefits more than 6 months after the month you reach full retirement age, we can only pay benefits for the previous 6 months. There is no additional benefit increase after you reach age 70, even if you continue to delay taking benefits.
If your benefit payments are suspended, they will start automatically the month you reach age 70. If you change your mind about receiving Social Security benefits, you may withdraw your Social Security claim only if it has been less than 12 months since you were first entitled to benefits.
Social Security benefits are not prorated. They start the month following the birthday. The schedule, according to AARP, follows this rule: When the birthdate falls between the 1st and 10th of the month, the payment is issued on the second Wednesday of the month following the birthday month.
Following the recommendation on the Social Security website, you file online three months before you want your benefit to start, that is, on or before May 10th. Again, no matter what the actual date of your birth is, your benefit can begin in August.
If your benefit payments are suspended, they will start automatically the month you reach age 70. If you change your mind about receiving Social Security benefits, you may withdraw your Social Security claim only if it has been less than 12 months since you were first entitled to benefits.
Financial advisers take note: The last group of people who were able to use the file-and-suspend strategy before the April 29, 2016, deadline turn 70 by the end of April 2020. Their benefits will automatically begin with the month of their 70th birthday.
You may claim early benefits starting at age 62, but they will not be the full benefits you would receive by waiting for your full retirement age. Applying for Social Security benefits (benefits are not paid automatically) involves some work on your part.
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