I turned 70 on 8/14/2017. I have not applied for SS benefits on my own record. I am receiving spousal benefits. What date should I apply for SS to insure I get my full 48 DRC plus six months retroactive payment? I don’t want the retroactive payment to deduct from my DRC, nor do I want to lose a month of retroactive payments. The SS office in January did not seem to be able to give me a start date later than the protected filing date which would result in one of these effects.