What is the meaning of SS saying if you are 70 and you start an online application for benefits, if you don't finish it by a certain date in November you can lose your ability to claim your SS?

Hi,

It doesn't mean that you could never apply for benefits, it simply means that the protective filing date that you established by starting your online application will expire if you don't finish and submit your application within 6 months. That could result in the use of a later filing date when you do eventually apply for benefits, which in turn could potentially result in the loss of retroactive benefits.

You may want to consider using our software (https://maximizemysocialsecurity.com/purchase) to compare your filing options so that you can choose the best possible strategy for claiming your benefits.

Best, Jerry