I currently earn 120k/year. I was born on Oct 11, 1954. I plan on retiring Nov 1, 2020 and I reach FRA Oct 11, 2020.
Can I apply for SS benefits without penalty in Oct 2020 with payments starting in Nov 2020 since I will still be employed during Oct? I could delay until Nov 2020 but would not receive a payment until Dec 2020.