Dear Larry,
I will reach FRA on Nov. 6, 2018, and my wife will reach FRA on Oct. 10, 2018. I have more than needed SS credits to receive benefits while my wife is eligible for health benefits but does not have enough credits for other benefits.

I would like file and receive benefits beginning 01/02/2019 but would like to continue working at least part-time. When should I file the requisite paperwork with Social Security Admin to receive my first check in Jan or Feb 2019? Am I able to work full-time if I decide to do so and still receive full SS benefits?

Thank you

Hi,

Yes, since you will be at least full retirement age (FRA) when you start drawing your Social Security you can earn any amount without affecting your benefits. You can file your application as much as 4 months prior to the month that you want to start drawing benefits, but you normally only need to file about a month in advance in order to be paid timely.

Before filing, you may want to consider using our maximization software in order to compare your filing options and determine your best strategy for claiming benefits.

Best, Jerry