Social Security timing dilemma - how to start at exactly 66 and 10 months (FRA) not earlier

You're on the right track worrying about this! When you apply, there's a specific question that asks when you want benefits to begin. Make sure you specify January 2025 as your benefit start month since that's when you'll be exactly 66 and 10 months. Applying 3 months early is just the recommended timeline - it doesn't mean they automatically start your benefits 3 months early. The application process gives you control over your start date. Social Security benefits are paid the month after they're due, so your January benefit would arrive in February. Just be super clear when filling out the application that you want benefits to START in January 2025.

when i got ss last year i thought same thing but turns out ur first payment actually comes month AFTER ur eligible. so if ur FRA is jan 2025 u actually get first payment in feb 2025. its confusing

This is a common confusion point with Social Security retirement benefits. Here's how to handle it precisely: 1. Your FRA is 66 years and 10 months, which you'll reach in January 2025 2. On the application (whether online or paper), there's a specific question: "When do you want your benefits to start?" 3. You should select January 2025 as your benefit start month 4. Apply around October 2024 (3 months before) as SSA suggests 5. Your first payment (for January 2025) will arrive in February 2025 The application allows you to specify exactly when benefits begin, regardless of when you apply. Just be very clear that you want January 2025 as your start month, not your application month. The SSA representative should confirm this during the process.

I had the exact same issue when filing last year! Calling SSA directly was a NIGHTMARE - spent 4 hours on hold only to get disconnected twice. Finally I used Claimyr (claimyr.com) to get through to an agent in about 15 minutes. They have a demo video showing how it works: https://youtu.be/Z-BRbJw3puU The agent confirmed I could apply 3 months early but specify my exact benefit start date matching my FRA. Don't stress about applying "too early" - the important part is selecting the correct benefit start month on the application. The agent walked me through exactly where to indicate this on the form.

i messed up my application and had to fix it. not worth the headache trust me. make sure u do it right first time

THE APPLICATION IS TRICKY!!!! I applied last year and they started my benefits A MONTH EARLIER than I wanted!!!! Had to spend WEEKS getting it fixed. Make SURE when it asks about your start date you put JANUARY 2025!!!! Don't let them talk you into starting earlier because "you can get your money sooner" - that's what the rep told me and I lost $$ in the long run!!!!!

One more thing to consider - benefits are paid for the previous month. So your January 2025 benefit payment (the month you reach FRA) will be paid in February 2025. This is normal and doesn't mean you're starting late. Some people get confused about this. Just wanted to clarify that the payment date is different from the benefit eligibility date.

I'm just wondering - have you considered the implications of starting exactly at FRA versus waiting until 70? Each year you delay past FRA increases your benefit by 8%. If you can afford to wait, you might want to calculate whether that's more advantageous for your situation. Just something to think about if you haven't already considered it.

Thank you everyone for the helpful advice! I'm going to apply in October and make absolutely sure I select January 2025 as my benefit start month. I'll also print out everything and keep detailed records of my application just in case there are any issues. I feel much more confident now about hitting my exact FRA without accidentally filing early.

Great question and you're smart to be so careful about this! I went through the same thing last year. The key is understanding that when you apply is separate from when your benefits start. When you fill out the application (online or in person), there's a clear section where it asks "What month do you want your retirement benefits to start?" - that's where you'll select January 2025. The 3-month advance application window is just to give SSA time to process everything, not to determine your start date. As long as you clearly specify January 2025 as your desired start month, you'll get your full FRA benefit amount. Don't let them pressure you into starting earlier "to get money sooner" - stick to your plan! One tip: when you submit the application, you should get a confirmation receipt. Save that and any other documentation showing your requested start date in case you need to reference it later.

Just wanted to add one more piece of advice from my experience - after you submit your application, you'll receive a letter from SSA confirming your benefit start date. Read this letter VERY carefully when it arrives! If there's any discrepancy between what you requested (January 2025) and what they processed, contact them immediately. I've seen cases where people assumed everything was correct and didn't catch the error until their first payment arrived. It's much easier to fix before your benefits begin than after. The confirmation letter usually arrives within 2-3 weeks of application submission, so you'll have time to correct any mistakes before January 2025. Also, if you're married and your spouse will be eligible for spousal benefits, make sure their timing aligns with your strategy too!

As someone who just went through this exact process 6 months ago, I can confirm that the timing advice here is spot-on. The most important thing is being crystal clear about your desired benefit start month on the application. One additional tip: if you're applying online, the system will actually show you a summary page before final submission where you can review all your selections, including your benefit start date. Take a screenshot of that summary page! I did this and it saved me when there was a small discrepancy later - I had proof of exactly what I had selected. Also, don't be surprised if the online application asks you multiple times about your desired start date in slightly different ways. This isn't a glitch - they're just making sure you're consistent. Stay focused on January 2025 as your answer every time it comes up. The $178 monthly difference you mentioned is significant over time, so you're absolutely right to be this careful about the timing. Good luck with your application!

One thing I haven't seen mentioned yet is that you should also verify your earnings record on your my Social Security account before applying. Since your benefit amount is calculated based on your highest 35 years of earnings, any errors in your record could affect that $178 monthly difference you're concerned about. I discovered a missing year of earnings when I checked mine before applying - it took about 3 months to get it corrected with documentation from my old employer. Better to catch these issues now rather than after you've already started receiving benefits. The correction process is much smoother before your benefits begin. You can access your earnings record and get benefit estimates at ssa.gov/myaccount. This will also show you exactly what your FRA benefit amount should be, which gives you another way to double-check that everything is calculated correctly when you receive your first payment.

I'm glad you're being so methodical about this! Just to add another layer of protection - when you do apply in October, consider calling SSA a few days after submitting your online application to verbally confirm they received it correctly and that January 2025 is recorded as your benefit start month. I know several people have mentioned the long hold times, but it's worth the wait for peace of mind on something this important. When you do get through, ask the representative to read back your benefit start date from their system. If there's any discrepancy, you can address it immediately rather than waiting weeks for the confirmation letter. Also, since you mentioned the $178 monthly difference - that's over $2,100 per year, so even a one-month error would be costly long-term. Your careful approach will definitely pay off. The fact that you're asking these questions now shows you're going to handle this correctly!

This thread has been incredibly helpful! As someone approaching the same situation, I wanted to add one more consideration that hasn't been mentioned yet - if you have any direct deposit set up with other government benefits or tax refunds, make sure that account information is current in your my Social Security account before applying. I learned this from a friend who had an old bank account on file from years ago. When her first Social Security payment was processed, it went to a closed account and took several weeks to resolve. While this doesn't affect your benefit start date or amount, it can delay when you actually receive your money. You can update your banking information online through your my Social Security account, or you can provide it during the application process. Just another small detail that can save headaches later. With all the great advice in this thread about timing and documentation, having the right bank account on file is the final piece to ensure everything goes smoothly!

I'm going through the exact same situation right now - turning 67 in April 2025 with an FRA of 66 and 10 months in February 2025. Reading through all these responses has been incredibly reassuring! I was also worried about the 3-month early application window causing them to start benefits too soon. The advice about taking screenshots of the application summary page is brilliant - I'm definitely doing that. And I hadn't considered checking my earnings record first, but after seeing someone found an $8,000 discrepancy, I'm going to review mine this week before applying. One question for those who've been through this - when you called SSA to verbally confirm your application details, did you get a reference number or any kind of documentation from that call? I want to make sure I have a paper trail for everything in case any issues come up later. Thanks to everyone who shared their experiences - this thread is like a masterclass in filing for Social Security at exactly the right time!

This is such a valuable thread! I'm in a similar situation and wanted to share one additional tip that helped me. When I was preparing to apply, I actually printed out the SSA Publication 05-10035 "Retirement Benefits" booklet from their website. It has a detailed section about choosing your benefit start date that I referenced multiple times during my application. The booklet clearly states that you can apply up to 4 months before you want benefits to start, and it emphasizes that your application date and benefit start date are completely separate decisions. Having this official documentation helped me feel confident when I was filling out the application online. I'd also recommend bookmarking the SSA's "When to Start Receiving Retirement Benefits" page (ssa.gov/benefits/retirement/planner/1943-delay.html) - it has calculators and examples that show exactly how much your benefit changes based on when you start. For someone like you who's calculated that $178 monthly difference, having the official SSA tools to double-check your math can be really reassuring. Your plan to apply in October for January 2025 benefits is exactly right. Just remember that consistency is key - every time the application asks about timing, stick with January 2025 as your answer!

I just wanted to add a perspective from someone who recently navigated this exact situation successfully! I turned 67 last month with an FRA of 66 and 10 months, so I went through this process just a few months ago. All the advice here is spot-on, but I wanted to emphasize one thing that really helped me: when you're on the phone with SSA (whether to verify your application or ask questions), don't be afraid to ask them to explain the timing back to you in simple terms. I said something like "Just to confirm - I'm applying today in October, but my benefits will start in January 2025 when I reach my full retirement age, not in October, correct?" The representative was very patient and walked me through exactly how it works. She even explained that the computer system has built-in safeguards to prevent accidentally starting benefits before your selected date, which gave me extra confidence. One small thing that surprised me: my confirmation letter actually arrived much faster than the 2-3 weeks others mentioned - mine came in about 10 days. So don't panic if it arrives sooner than expected, and definitely don't assume something's wrong if you get it quickly! Your methodical approach is perfect. The $178 monthly difference you mentioned is exactly why it's worth being this careful. You've got this!