dont forget to setup direct deposit!!! my first check got mailed and i almost missed it cause it went to my old address

I'm in a similar boat - turning 67 next month and planning to work until my birthday before starting benefits. Reading through all these responses is really reassuring! Just wanted to add that I called SSA last week using the number on their website (1-800-772-1213) and got through after about 45 minutes on hold. They confirmed my application was received and processing normally. The agent told me that as long as you're past FRA, working right up to your benefit start date is totally fine and very common. She also mentioned that you can check your application status anytime through your my Social Security account online, which I didn't know before. Good luck with everything!

Just to add a bit more clarity on the technical aspects: There are actually two different earnings tests: 1. The annual earnings test for people who won't reach FRA during the year (limit of $22,320 for 2024) 2. The higher monthly earnings test for the year you reach FRA, which only counts earnings before your FRA month (limit of $59,520 for 2024) In your case, since you're only starting benefits in your FRA month (December), neither test applies to you. Your benefits starting with December (paid in January) won't be affected by any earnings, before or after your FRA.

This thread has been so helpful! I'm in a similar boat - turning 67 in November and have been stressed about my earnings this year. Reading everyone's experiences really confirms what I suspected but wasn't sure about. One thing I'd add for anyone else reading this: make sure you have all your documents ready when you apply. I started gathering my birth certificate, W-2s, and other paperwork early because I've heard the application can ask for quite a bit of documentation. Better to be prepared than scramble later!

To clear up any confusion: For retirement benefits, if you start benefits in the exact month you reach FRA, your benefit will be calculated based on the number of days in that month before you reached FRA. For example, with FRA on November 15: - If you select November 1 as your start date, your benefit would be reduced by about 1/2 of one month's early retirement reduction (roughly 0.25-0.3%) - If you select December 1, you get your full benefit with no reduction For most people, waiting until the month after FRA (December 1 in your case) makes the most sense, especially if you want to ensure you get your full PIA amount.

Great question! I'm approaching my own FRA soon and had the exact same confusion. After reading through all these responses, it's clear that waiting until December 1st is the smart move for your situation. The key thing I learned is that SSA pays benefits for the previous month, so your November payment would reflect that partial month before reaching FRA on the 15th. Even though the reduction might only be around 0.25-0.3%, that adds up to real money over 20+ years of retirement. Better to wait one extra month and get your full benefit amount from the start!

Quick question related to this - I'm 63 and taking SS early but still working part time. Is it the same for me? Will they recalculate my benefits if I'm earning good money now?

Just wanted to add my experience - I was in almost the exact same situation as you two years ago. Hit FRA in March 2023, started benefits in May, and worked through December making about $180k that year. The automatic recalculation did happen, but like others mentioned, it took until December 2024 to see the increase. My monthly benefit went up by $147, which replaced one of my zero-earning years from the early 1990s when I was out of the workforce. One thing I learned is that you can actually check your Social Security Statement online at ssa.gov to see if your most recent year's earnings have been posted. They usually update it by late summer/early fall after you file your taxes. It's worth checking to make sure your high earnings year shows up correctly in their system! The wait is frustrating, but the automatic system does work eventually. Good luck with your continued work - sounds like you're making a smart financial move!

After you submit the withdrawal form, make sure you get written confirmation that it was processed! When I did mine, I assumed everything was fine until I suddenly got a direct deposit three weeks later. Turned out they had a backlog and hadn't processed my withdrawal. Created a huge headache having to return the payment.

Hey Genevieve! Just wanted to add that timing is really critical here. Since you mentioned you applied back in March and it's now nearly April, your first payment could be processed any day now. The SSA typically processes retirement applications within 3-4 months, so you're right at that window. I'd recommend calling first thing Monday morning (or using that Claimyr service others mentioned) to get the ball rolling on your withdrawal ASAP. Even if you can't get through by phone immediately, I'd also suggest going to your local office in person with the SSA-521 form as a backup plan. Better to have multiple approaches going than risk missing your window! Good luck with the new job - sounds like a great opportunity!