When does my Social Security FRA fall with June 1958 birth date - 1st or 18th of the month?

Your Full Retirement Age is 66 years and 8 months since you were born in 1958. You'll reach that age on February 18, 2025. However, Social Security benefits are paid in the month AFTER they're due. So your first full retirement benefit would be for February 2025, but you'd receive that payment in March 2025. And to directly answer your question - Social Security doesn't pay on your exact birth date. Payment dates are determined by your birth date: if born on the 1st-10th, you're paid on the second Wednesday; 11th-20th (that's you) paid on the third Wednesday; 21st-31st paid on the fourth Wednesday. Some older beneficiaries who started receiving before May 1997 get paid on the 3rd of the month.

My husband turned 66 last year (born in 57) and we were SHOCKED when his first payment didn't come for almost 2 months after his birthday!! No one told us there would be such a long wait. Make sure u plan for that delay!!

Just to add some technical clarity here: For someone born on June 18, 1958, your Full Retirement Age is exactly 66 years and 8 months. You'll reach that precise age on February 18, 2025. Regarding payments: 1. Social Security benefits are paid in the month AFTER they are due 2. Your payment date depends on your birth date (18th = third Wednesday payment schedule) 3. Your first eligible month at FRA would be February 2025 4. Your first actual payment would arrive in March 2025 (on the third Wednesday) Applying: I recommend applying about 3 months before you want benefits to begin. The earliest you can apply is 4 months before reaching FRA if you want full benefits starting exactly at your FRA. And yes, there is typically a delay for the first payment as your application is processed, but once approved, you'll receive any benefits you were eligible for.

my neighbor just went through this whole thing and said SS actually back paid him for the months they took to process his application so dont worry too much, they'll get u your money eventually lol

I've been through this recently. You definitely need to plan for a potential gap between when you're eligible and when you actually get paid. When I called SSA to ask about my delayed first payment, I was on hold for HOURS and kept getting disconnected. I finally used a service called Claimyr (claimyr.com) that got me through to an actual SSA agent in under 20 minutes. You can see how it works in their video demo: https://youtu.be/Z-BRbJw3puU Worth it to get real answers about my payment timeline instead of stressing for weeks. The agent explained exactly when my payment would arrive and why there was a delay, which helped me adjust my budget.

I made a HUGE mistake when I applied! I thought I'd get my first payment ON my FRA date, but I had to wait almost 6 weeks after for the money to show up. The system is so confusing and nobody explains it clearly!! Make sure you have enough savings to cover that gap - I had to borrow money from my daughter because I wasn't prepared!!!!

Just FYI - The payment date stuff is different if you also get SSI. My cousin gets SSI and her payments always come on the 1st no matter what day she was born on. But that probably doesn't apply to you since your asking about retirement.

One last piece of technical information that might help: When you reach your FRA of 66 years and 8 months (February 18, 2025), your benefit amount will be 100% of your Primary Insurance Amount (PIA). Many people think there's a special advantage to waiting until exactly their birth day of the month, but that's not how it works. The month you reach FRA is February 2025, so you'll get 100% of your PIA for that entire month, regardless of whether you were born on the 1st or 30th. The payment for February 2025 arrives in March 2025. If you claimed early at age 62, the reduction would be based on months, so birth date can matter more in early claiming scenarios. But at FRA, you simply get your full PIA for the whole month in which you reach your FRA.

Does anyone know if the Social Security office tells u all this stuff when u go in for an appointment? I want to retire next year but so confused about all these rules!!