Hi,
Q 1) I retired at 62 (DOB:12/8/1959.) On April 2022. Do I apply for Social security at the age of 65?

Q 2) Is there a back pay for the 3 years I'm on retirement once i hit 65?

Hi. When you say that you retired at age 62, I assume you're referring to stopping work, not claiming Social Security benefits. You can apply for Social Security benefits any time between ages 62 and 70, and your benefit rate would be different depending on which month and year you choose to start your benefits. The best time for you to apply for benefits depends on numerous different factors, and without access to all of your information I can't give you any meaningful advice. You should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze all of your options so that you can determine your best strategy for maximizing your benefits.

If you apply for benefits at age 65, or at any other time prior to your full retirement age (FRA) of 66 & 10 months, you can't claim benefits retroactively for any months prior to the month in which you file your application. So, no, you can't apply for benefits at age 65 and be paid 3 years of back pay.

Best, Jerry