Social Security Questions? Ask a Social Security Expert
Social Security benefits are paid the month after they are due.
If you tell the SSA you want your benefits to start in May, you will receive your first benefit check in June. (If you want to receive your first benefit check in May, you need to be eligible for benefits in April AND tell the SSA you want your benefits to start that month.)
Go to Schedule Of Social Security Payments for the current payment dates.
The application processing generally takes between 1-3 months - so it is recommended to apply three months in advance to receive your first check on schedule.
Your full retirement age (FRA) is 66.
As long as you are above your FRA - your benefits are NOT affected by your earnings.
That reduction only affects those below their FRA.
You will NOT lose any portion of your benefits.
See for reference
Starting with the month you reach full retirement age, we will not reduce your benefits no matter how much you earn.
But what you need to consider - your social security benefits might be partly taxable - and that depends on your gross income and filing status.
Let me know if you need help with determination.
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