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

I’m not sure who is maintaining it since Sarah became absent three years ago. I think there’s still a handful of us who been here for a while that get the emails but I don’t think very many people are engaging in conversations here much.

If anyone has any suggestions on where else we might be able to find other options for dialogues with retired people on TSP those resources would be greatly appreciated, I’m sure

Tammy Maruska

Retired from DOE 2024

On Apr 13, 2026, at 7:06 AM, Gary Reven via groups.io <tweet_pa=yahoo.com@groups.io> wrote:



is this group still active

On 9/2/2025 11:54 AM, Tammy wrote:

Thank you Paul & Tim for for your quick responses!

On Sep 2, 2025, at 3:49 AM, Thomas Wellock via groups.io <thomas.wellock=gmail.com@groups.io> wrote:



In case your mind isn't made up on the best age to file for Social Security, you might try inputting your data into this tool. It will give you an optimal age to file. 

https://opensocialsecurity.com/

Good luck,

Tom

On Tue, Sep 2, 2025 at 5:33 AM Paul Jones - AOL2 via groups.io <jonesh2o=aol.com@groups.io> wrote:

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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