Social Security

Ask social security questions and get answers ASAP

Ask an Expert,
Get an Answer ASAP!

This answer was rated:

I reach my Social Security Full Retirement Age on March

12th. 1. If I apply for...
I reach my Social Security Full Retirement Age on March 12th.
1. If I apply for my Social Security benefits to begin in March, will I be receiving my FRA benefit?
2. I would receive my first FRA benefit payment in April, correct?
3. I don’t have to wait to begin Social Security benefits until April to receive FRA benefit?
Show More
Show Less
Ask Your Own Social Security Question
Answered in 12 minutes by:
1/16/2018
lev-tax
lev-tax, Tax Advisor
Category: Social Security
Satisfied Customers: 33,333
Experience: Taxes, Immigration, Labor Relations
Verified

Your FRA - full retirement age is 66

If you reach FRA in the middle of March - you will be eligible for full social security benefits starting April - and these benefits will be paid in May

Specifically - on Third Wednesday - May 16

See here

https://www.ssa.gov/pubs/EN-05-10031-2018.pdf

You should apply three months before you want your benefits to start.

On your application - you will need to select the month when you want your social security benefits to start.

Let me now if you need any help.

Ask Your Own Social Security Question
Customer reply replied 7 months ago
OK, so I have started my application for benefits, but not yet completed. When completing the application online at SSA.gov, I chose to have "Reduced Benefits: Earliest month possible without a permanent age-related reduction." When asked when I wanted benefits to begin, I am given a choice of 3/2018, 4/2018, or 5/2018. You are saying that I should choose 4/28?
Customer reply replied 7 months ago
I mean - I should choose 4/2018?

If you start benefits before reaching your FRA - your benefits are permanently reduced - depending on the number of months you start earlier.

But you would be getting benefits for longer period.

If you were born on the 1st of the month, the SSA figures your benefit (and your full retirement age) as if your birthday was in the previous month.

But because your birthday in the middle of the month - you are correct - the first month you are eligible fro unrestricted benefits is 4/2018.

SSA does not make partial month payments. Social Security benefits are paid monthly, starting in the month AFTER the birthday.

Ask Your Own Social Security Question
Customer reply replied 7 months ago
OK, sounds good. One clarification - Your last statement says -
"SSA does not make partial month payments. Social Security benefits are paid monthly, starting in the month AFTER the birthday."
Did you mean to say that benefits are paid monthly, starting in the month after BENEFITS BEGIN.
In my case, benefits would begin in April, and paid in May.

Yes - that is correct.

You will be eligible for full social security benefits starting April (the month you will be FRA all month) - and these benefits will be paid in May

Specifically based on your birthday - on Third Wednesday - May 16

See here

https://www.ssa.gov/OP_Home/cfr20/404/404-0102.htm

Age means how many years old you are. You reach a particular age on the day before your birthday. For example, if your sixty-second birthday is ***** July 1, 1979, you became age 62 on June 30, 1979.

You may also find interesting the following discussion and real life examples

https://www.bogleheads.org/forum/viewtopic.php?t=122234

lev-tax
lev-tax, Tax Advisor
Category: Social Security
Satisfied Customers: 33,333
Experience: Taxes, Immigration, Labor Relations
Verified
lev-tax and 87 other Social Security Specialists are ready to help you
Ask your own question now
Customer reply replied 7 months ago
Great - thanks.
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a social security expertLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask lev-tax Your Own Question
lev-tax
lev-tax
lev-tax, Tax Advisor
Category: Social Security
Satisfied Customers: 33,333
33,333 Satisfied Customers
Experience: Taxes, Immigration, Labor Relations

lev-tax is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response...

T.G.WMatteson, IL

I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight.

BonnieChesnee, SC

Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation.

JohnMinneapolis, MN

Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with.

OrvilleHesperia, California

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!!

AlexLos Angeles, CA

Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.

GPHesperia, CA

< Previous | Next >

Meet the Experts:

dylatess

dylatess

ATTORNEY

3,467 satisfied customers

37 plus years of SSD practice

Megan C

Megan C

Certified Public Accountant (CPA)

4,582 satisfied customers

Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level

LawTalk

LawTalk

Attorney

3,071 satisfied customers

I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.

R. Klein, EA

R. Klein, EA

Accountant

334 satisfied customers

Tax & Social Security Benefits specialist

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

233 satisfied customers

Licensed in multiple jurisdictions, experienced business attorney.

AttorneyTom

AttorneyTom

Attorney

16 satisfied customers

Attorney

Stephanie O Joy, Esq

Stephanie O Joy, Esq

Soc. Sec. Attorney

3,283 satisfied customers

22+ years legal exp. - 12+ years owning/operating her own SSD Law practice.

< Previous | Next >

Related Social Security Questions
My husband and I have a few questions for you. First, since
Hi. I am Kathryn and my husband and I have a few questions for you. First, since I am 2 years older than he is, who should file first? His benefits will be larger than mine. Next, when he turns 62 (he… read more
lev-tax
lev-tax
Tax Advisor
Bachelor's Degree Equivalent
33,333 satisfied customers
I will be 63 June 25. Is there a benefit to me waiting until
I will be 63 June 25. Is there a benefit to me waiting until then to apply? I left my job in March. … read more
lev-tax
lev-tax
Tax Advisor
Bachelor's Degree Equivalent
33,333 satisfied customers
I understand that once a person who has been receiving
I understand that once a person who has been receiving Social Security Disability Income becomes 66 years of age, the monthly disability payment automatically switches over to regular Social Security … read more
lev-tax
lev-tax
Tax Advisor
Bachelor's Degree Equivalent
33,333 satisfied customers
My wife will be 65 April 19 and I have heard that she can
my wife will be 65 April 19 and I have heard that she can elect to claim part of my social security benefits. Is this true and if so how she go about doing this? … read more
lev-tax
lev-tax
Tax Advisor
Bachelor's Degree Equivalent
33,333 satisfied customers
Can I change my retirement date from April 2018 to January
Can I change my retirement date from April 2018 to January 2019? I received a letter from SSD that they will withhold most of the money I thought I would receive. I'll turn 65 in Dec 2018 and will ret… read more
keeperumiami
keeperumiami
Sr Financial & Tax Consultant
Bachelor\u0027s Degree
1 satisfied customers
I will be turning 62 in March. Right now I am working full
I will be turning 62 in March. Right now I am working full time and plan to work until I'm 62 and 4 months. I was born in 1956. I am divorced and never remarried. I was married over 10 years and was t… read more
lev-tax
lev-tax
Tax Advisor
Bachelor's Degree Equivalent
33,333 satisfied customers
Looking to maximize social security benefits. My DOB -
My DOB - 4/2/52 Wifes DOB 5/20/52 She is no longer working and we need to apply for her benefits. I plan on working till age 70. Does file & suspend or any other strategy get us more than just her filing for her own benefits now at age 65? … read more
lev-tax
lev-tax
Tax Advisor
Bachelor's Degree Equivalent
33,333 satisfied customers
My wife took Social Security at age 62 with a benefit of
My wife took Social Security at age 62 with a benefit of approximately $14,000. I will reach FRA January 2018 and begin receiving a benefit of $29,832. How does spousal benefit apply here or is it irr… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
I'm 67 (birthday was 4-14) and still working full-time, but
I'm 67 (birthday was 4-14) and still working full-time, but thinking about opening my Social Security now rather than waiting until 70 when it would be $500/month more, according to your calculator. I… read more
lev-tax
lev-tax
Tax Advisor
Bachelor's Degree Equivalent
33,333 satisfied customers
My husband will turn 66 in February - does he need to wait
My husband will turn 66 in February - does he need to wait until March 1st to draw his benefits so he isn't penalized for not being 66? … read more
NPVAdvisor
NPVAdvisor
CFP Licensee and Practitioner
Master's Degree
180 satisfied customers
Ll be 66 on April 2, 2017. I'm confused if I would be
ll be 66 on April 2, 2017. I'm confused if I would be eligible for my benefits beginning in April or if if it would be May. Also, I am currently paying my Medicare Part A every quarter. The next payme… read more
keeperumiami
keeperumiami
Sr Financial & Tax Consultant
Bachelor\u0027s Degree
1 satisfied customers
My husband retired at 66 (FRA) and took his Soc Sec benefit,
My husband retired at 66 (FRA) and took his Soc Sec benefit, in 2009, based on his record. I was 66 (FRA) in 2012, but elected to wait to take benefits on my record. I did not file for spousal benefit… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
My wife is 63 she will be FRA(66) Nov 2019. On March 2019
My wife is 63 she will be FRA(66) Nov 2019. On March 2019 does she have the option of taking my 1/2 of my FRA earned social security or her own earned social security. I will be FRA(66) Nov 2017 and d… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
If my full retirement year is 2017- birthday is October,
If my full retirement year is 2017- birthday is ***** when do they start the $41,800 rule?? from whatever month you apply for SS before October or from January 1rst of that year ?? I may want to retir… read more
Dr. Fiona Chen
Dr. Fiona Chen
President
Ph.D.
1,435 satisfied customers
My name is ***** *****. I'm 66 and began receiving S.S. when
Customer: My name is ***** *****. I'm 66 and began receiving S.S. when I turned 64, I think. I was married to Mike for 17 1/2 years and helped put him through college. Mike divorced me in 1988, and I … read more
lev-tax
lev-tax
Tax Advisor
Bachelor's Degree Equivalent
33,333 satisfied customers
My wife is 70, retired, and receives $1250 mo. in social security.
My wife is 70, retired, and receives $1250 mo. in social security. I am 65 and my FRA is 66. I plan on applying for SS at age 66 and to keep working full time as long as possible. Can my wife apply fo… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
Do a spouses own earnings reduce her spouse's benefit if she
Do a spouses own earnings reduce her spouse's benefit if she takes the spouse's benefit before her FRA. For example. Husband files and suspends at FRA; wife three years younger files for spousal benef… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
Im thinking of retiring at the first of the new year (Jan
I'm thinking of retiring at the first of the new year (Jan 1). I'm 64 and 9 months. Q: If I apply now will I receive my first check by Jan 1? Q: I know that if I work (some hours) there are restrictio… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Show MoreShow Less

Ask Your Question

x