Aloha. I am trying to help a family member who was born in 1951 and so (I think!) he qualifies for Social Security benefits when he turns 66 in August. He said that he is concerned about applying during a “rat hole” - a relatively short period of time after one qualifies during which benefits are calculated at a lower value. Do you understand the term, and is there any reason that he should not just file on schedule in August? Any clarification would be greatly appreciated!