Social Security payment timing when FRA falls mid-month - October or November benefits?

if ur FRA is in may u get benefits for the whole month of may paid in june. SSA pays for the whole month no matter what day ur birthday falls on. its not prorated.

I went through EXACTLY this situation last year! My FRA was on the 22nd of August and I was so worried about when payments would start. You'll definitely receive benefits for the month in which you reach your FRA - so May benefits paid in June. Just be aware that Social Security pays benefits in the month FOLLOWING the month for which they are due. So your May benefit comes in June, June benefit in July, etc. Also, since your birthday isn't on the 1st of the month, your payment date will be determined by your birth date. Payment dates are: - 2nd Wednesday: birth dates 1st-10th - 3rd Wednesday: birth dates 11th-20th - 4th Wednesday: birth dates 21st-31st So you'll probably get paid on the 3rd Wednesday of June for your May benefit. Mark your calendar!

The other commenters are correct, but I want to add some additional information. When you reach Full Retirement Age (FRA) during a month, you are entitled to your FULL benefit amount for that ENTIRE month, regardless of which day your FRA falls on. So in your case, you will receive your full May benefit (paid in June). The reason this sometimes confuses people is that the rules are different for the first month of entitlement if you claim BEFORE your FRA. In those early retirement cases, you must be eligible for the entire month to receive benefits for that month. Since you specifically selected "earliest month possible without a permanent age-related reduction" and you reach FRA in May, you've done everything correctly to ensure May is your first month of entitlement (with payment arriving in June).

My FRA fell on Sept 26 and i still got full september benefits (paid in october). NO prorating with social security!!!!

I went through this NIGHTMARE trying to get my benefits started when my FRA hit in the middle of a month. The online information was confusing, and I couldn't get anyone on the phone at SSA despite calling DOZENS of times, getting disconnected, and spending hours on hold. Finally I discovered Claimyr (claimyr.com) which got me connected to a real SSA agent in under 20 minutes! They have this video showing how it works: https://youtu.be/Z-BRbJw3puU The agent confirmed that I would get benefits for the entire month in which I reached FRA, even though my FRA date was on the 19th. Absolutely worth it to get that peace of mind directly from SSA instead of guessing.

To give you the official explanation: Social Security benefits are paid on a monthly basis, and eligibility for a month's benefit is determined by your status on the first day of that month, with one important exception: when you reach Full Retirement Age (FRA) during a month. Per SSA regulations, when a person attains FRA during a month, they are deemed to have attained that age on the first day of the month for benefit calculation purposes. This special rule ensures you receive your full benefit amount for May 2025. If your FRA is May 14th, 2025: 1. You are entitled to full benefits for May 2025 2. Your May benefit will be paid in June 2025 3. Your payment date in June will be based on your birth date (likely the 3rd Wednesday since your birth date is on the 12th) The only potential issue would be if there's a mistake in your application regarding your FRA. Double-check your MySocialSecurity account to verify your benefit start date is correctly showing as May 2025.

just to add my 2 cents i got super confused about this 2. called ssa like 10 times nobody picked up. Whn i finally got thru the lady told me same thing everybody here is saying - if FRA is in the month u get whole month benefit. no partial.

One more tip that might help you - make sure all your direct deposit information is correct in your MySocialSecurity account! I had an issue where my first payment was delayed because I had an old bank account listed. Better to check now than have problems when your first payment is supposed to arrive.