Re: [TSPStrategy] When to apply for Social Security approaching age 66 and 10 months

I Googled your question and this is the answer it came back with:  When to apply for Social Security approaching age 66 and 10 months

You should apply for Social Security benefits four months before your desired start date, with the application deadline being your 66th birthday plus 10 months, which is your Full Retirement Age (FRA). Since your FRA is 66 years and 10 months, your first benefit payment will be in the month after you pick for your benefits to begin, so you would apply around age 66 and 6 months. You can apply online at www.ssa.gov/retire, by phone, or at a local Social Security office

On 9/2/2025 2:17 AM, Tammy wrote:

I retired a year ago on 8/30/24, with 33 years of federal service. I am receiving a FERS annuity.

When I retired, I was just shy of 65 years old and decided that I would wait until age 66 and 10 months to draw Social Security because of the difference in my Social Security by waiting the additional timeframe.  I was born in December 1959.

Can anyone give me guidance when I should contact SSA late next summer or early next fall so I can begin receiving my Social Security on time at 66 and 10 months? Unfortunately, there's only one person in our local SSA office and generally, they will refer you to the 800 number of which there's usually a 1 1/2 to 2 1/2 hour wait to talk to a person.

Any information you can support is greatly appreciated!

Tammy

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