I'm in a very similar situation - turned 70 three months ago and still working full-time. Reading all these responses is making me panic! I had no idea the benefits stopped growing at 70. I thought I was being smart by waiting since I don't need the money right now and my employer insurance is great. But losing $15k-40k like some of you mentioned is terrifying! I'm definitely going to try that Claimyr service someone mentioned because I've been trying to get through to SSA for weeks with no luck. Question though - when you all applied late like this, did you have any issues with the application process being more complicated? I'm worried they'll ask why I waited so long and make it difficult.

As someone who works in retirement planning, I can't stress enough how important it is to file immediately! You're absolutely correct that benefits stop growing at 70 - those delayed retirement credits max out then. The good news is you've only been 70 for about a month, so your losses are minimal compared to some of the horror stories shared here. A few quick tips for your application: - You can apply online at ssa.gov/retire which is often faster than calling - If you do need to call, try early morning (8 AM) when lines are less busy - Have your W-2s from the last 2 years handy - Since you're still working, make sure to tell them about your current employer insurance when discussing Medicare The retroactive benefits (up to 6 months) should help minimize your losses. Don't beat yourself up too much - this is unfortunately a very common situation because SSA doesn't actively notify people about this rule change at 70. The important thing is you're taking action now!

I just went through this exact same situation last month! I was scheduled for a virtual SSA appointment and didn't receive my Teams link until literally the day before my appointment. I was checking my email obsessively for weeks thinking they had forgotten about me. When it finally came, it was from an address like "noreply.ssa.gov" and had "SSA Virtual Appointment Confirmation" in the subject line. A couple of things that might help while you wait: First, make sure you have the SSA office locator bookmarked (ssa.gov/locator) so you can call your local office directly if needed - they're sometimes easier to reach than the main 800 number. Second, definitely test Microsoft Teams ahead of time, even if it's just joining a test meeting by yourself. The SSA rep will expect your camera and microphone to work right away. The waiting is definitely nerve-wracking, but from what I've experienced and seen others post here, getting the link 1-3 days before seems to be their standard (though frustrating) timeline. Hang in there!

I'm going through the exact same thing right now! I have my SSA retirement appointment scheduled for March 15th and haven't received my Teams link yet either. Reading through everyone's experiences here has been so helpful - it sounds like the 2-3 day timeline is pretty standard, even though it's anxiety-inducing for those of us waiting. I'm definitely going to start checking my spam folder daily and use that office locator tool to get my local SSA office number as backup. Thanks to everyone who shared their experiences and tips - it's making me feel much more prepared and less worried that they forgot about me!

Great point about Medicare, Andre! That's something a lot of people overlook. Another consideration is that if your wife does decide to wait until you file at 67, she should still create her my Social Security account online and check her earnings record now to make sure everything is accurate. Any corrections need to be made before she claims benefits. Also, even though the "file and suspend" strategy was eliminated in 2015, there are still some nuances around timing that could affect your overall household strategy. For instance, if you have significant age gaps or health differences, that might influence the optimal timing. The SSA's "When to Start Receiving Retirement Benefits" publication has some good worksheets to help with these calculations.

As someone who recently went through the Social Security claiming process, I can confirm what others have said about the 2015 rule changes. The old "claim now, switch later" strategy is no longer available. However, I'd suggest one additional step that really helped me: consider meeting with a fee-only financial planner who specializes in Social Security optimization. Yes, there's a cost, but given the permanent nature of these decisions and the potential dollar amounts involved over your lifetimes, it might be worth the investment. They can run multiple scenarios using software that accounts for inflation, life expectancy, and other factors that the basic SSA calculators don't always capture. Also, don't forget that if either of you has government pension benefits (like from teaching or other public service), the Windfall Elimination Provision or Government Pension Offset rules might further complicate your calculations. Good luck with your planning!

I work at a local Social Security office and wanted to add a few insider tips that might help you when the time comes. First, if you need to visit an office in person, you can make an appointment online or by phone - this will save you hours of waiting compared to just walking in. Appointments typically get you seen within 15-30 minutes of your scheduled time. Second, bring multiple certified copies of the death certificate if you can afford it. We need to keep one for our records, and you'll likely need originals for banks, insurance companies, and other agencies. Getting extras upfront saves you from having to order more later. One thing people don't realize is that we can often handle simple death notifications over the phone, but more complex situations (like suspected overpayments or questions about survivor benefits) usually require an in-person visit or extensive phone verification. Also, if your mom ever moves or changes banks, make sure she updates her address and direct deposit information with us promptly. Outdated information can cause significant delays and complications after someone passes away. The fact that your mom is still managing her own affairs is actually ideal - it shows she's maintaining her independence and mental capacity, which makes the eventual transition much cleaner from an administrative standpoint.

I'm going through a very similar situation with my elderly father right now, so this thread has been incredibly helpful! One thing I wanted to add that I learned from our family's estate planning attorney - make sure to ask your mom about any pension benefits she might receive in addition to Social Security. Some pensions have survivor benefits that need to be claimed separately, and the deadlines can be much stricter than Social Security's requirements. Also, if your mom has a Medicare Advantage plan or supplemental insurance, those will need to be cancelled separately from Social Security - they don't automatically stop when SSA is notified of a death. I made a spreadsheet with all of my dad's benefits and insurance plans so I don't forget to contact anyone when the time comes. The advice about having those conversations now while she's mentally sharp is so important. My dad was initially reluctant to discuss these topics, but I framed it as "helping me feel prepared to honor your wishes" rather than dwelling on the sad aspects. That seemed to make the conversations easier for both of us. Thank you to everyone who shared their experiences - this kind of real-world advice is so much more helpful than trying to navigate government websites alone!

I went through a similar situation a few years ago! One thing that really helped me was getting my actual Social Security Statement to see my projected benefits at different ages. You can access this on your my Social Security account at ssa.gov. Just to add to what others have said - the decision really depends on your financial needs and life expectancy expectations. If you need the income at 62 and can't wait, taking the reduced benefit might still be the right choice even with the permanent reduction. But if you can manage without it until your FRA, you'll get significantly more money over your lifetime. Also, don't forget that Social Security benefits are inflation-adjusted with COLAs, so that 30% reduction compounds over time. A smaller benefit today means smaller cost-of-living increases in the future too. It's definitely worth running the numbers on the SSA website before making your final decision!

As someone who's been navigating Social Security for a while, I wanted to add one more consideration that hasn't been mentioned yet - Medicare eligibility. Since you're turning 62 next March, you'll need to think about health insurance coverage until you're eligible for Medicare at 65. If you're currently getting health insurance through your employer and planning to retire early to claim Social Security, make sure you factor in the cost of COBRA or marketplace insurance for those 3 years. Sometimes the extra income from claiming early gets eaten up by higher healthcare premiums. Also, I'd recommend scheduling an appointment at your local SSA office (or using that Claimyr service someone mentioned) to go over your specific situation. They can provide a detailed analysis of your options that's tailored to your exact earnings history and circumstances. Having that professional guidance really helped me feel confident about my decision when I was in a similar spot a few years back.