Community Chat

[CelticCrafter]

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@GingerPeach wrote:

@AnnMarie-1 

I'm guessing you already know if you wait until full retirement age instead of starting now at 62, the checks will be larger.

I found that the difference each month is 2/3 of 1%, but I don't know the answer to your specific question about the starting date.

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@GingerPeach  You should also know that if a person waits until full retirement age it will take years and years and more years to make up the difference and break even.

[Sage04]

I've also heard an expert say that you should apply as early as possible because you might not live to reach retirement age.

[GingerPeach]

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@CelticCrafter wrote:

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@GingerPeach wrote:

@AnnMarie-1 

I'm guessing you already know if you wait until full retirement age instead of starting now at 62, the checks will be larger.

I found that the difference each month is 2/3 of 1%, but I don't know the answer to your specific question about the starting date.

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@GingerPeach  You should also know that if a person waits until full retirement age it will take years and years and more years to make up the difference and break even.

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I didn't say that was her only option, @CelticCrafter 

[CelticCrafter]

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@Sage04 wrote:

I've also heard an expert say that you should apply as early as possible because you might not live to reach retirement age.

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@Sage04 that's why I did it.  At least I would get back some, if not all, of what I had paid into it.  The other way, no one would benefit from it meaning spousal benefits would not be greater than what my husband would get on his own account.

[Love my grandkids]

@AnnMarie-1  Thank you for understanding that I wasn't being snarky!

[Linda0215]

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@AnnMarie-1 wrote:

I might have to go in person, yes

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Our local SS Office has been closed for almost two years due to Covid and when they are open it's by appointment only.  No walk-ins.  I would call your local office first.  Just to confirm.  

[AnnMarie-1]

Thanks all, all valid points on Social Security!

@lizzys  that stinks you got disconnected once you got into their call system!  You helped, sounds like the day I apply is the money I will get, thank you!

[hckynutjohn]

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@AnnMarie-1 wrote:

I just tried calling the 800 # & they said no one available at the moment & to call back & hung up,  too funny, not even put on hold

@AnnMarie-1 

If you called yesterday, it was a Federal Holiday.

hckynut(john)🏒

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[MaverDaver]

Calculated on date you apply. I did mine on-line. Easy 

[AnnMarie-1]

@MaverDaver  Thank you!

@hckynutjohn  I called today, I think it's one of those places hard to get thru!