Ask Terry Questions Social Security Retirement Benefits

Social Security Retirement Benefits

By Terry Savage on August 09, 2025 | Financial Planning / Retirement

How far in advance of the planned start date for SS retirement benefits should the application be made? For example, if the start date is November 1, do I apply on November 1 or now?
Thank you for your assistance!

Terry Says

You should apply online three months before your full retirement eligibility month. Make sure that you do not want your benefits to start until you have reached your Full Retirement Age. Your first check will come the month AFTER your birthday.

Read this for more info: https://www.medicare.org/articles/do-social-security-benefits-start-the-month-of-your-birthday/

money

ASK TERRY

a personal
finance question