My birthday is in December, I am 67 years old, and still working. Next month, my 1st year of DRC's will appear on the "my Social Security" website. If I understand the rules correctly, I can file for benefits up to six months retroactive, receive a lump sum check, and then immediately suspend my benefits. The DRC "clock" will start back up and the only penalty is I will lose 6 months of DRC's. Is that correct?