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KP141964
Contributor ⭐
May 31, 2025

Q? about applying for benefits at age 70 with a birthday on the 1st of the month

  • May 31, 2025
  • 1 reply
  • 983 views

hello,

I am helping my husband w/his SS benefits application. We started it online, but then paused it because it was too early to submit if he wanted benefits to start at age 70.

 

So my question:

His birthday is 11/1. When we complete the application for benefits, do we choose November as the start date? Or October?

 

I know SS pays one month behind, but we've waited this long to start benefits; we do NOT want to start them a month early by mistake and miss out on the full retirement benefit amount. 

 

If we are supposed to choose October as the start month, we can resume his application tomorrow. If we choose November, we have to wait another month.

 

Thanks for any insight.

      1 reply

      GailL1
      May 31, 2025

      Since his birthday is the 1st day of Nov., his benefits will be figured as of October so  put down October and resume the application.

      Here is the SSA rule on the matter -

      SSA.gov - When To Start Benefits  

       

      He will get his FRA Social Security (PIA)  + his Delayed Retirement Credits - NICE!!!

       

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