I reached FRA of 66 just yesterday, 9/6/19. I filed a few months early though in March 2019 and got my first check in April. I now want to suspend my benefits without repaying what I’ve received thus far. I called SS back in July and was told to wait until I turned 66 and I would be eligible then. How ever, when I called yesterday I was told I’d have to withdraw and pay back the monies. That’s 2 different stories. Which is correct? I can’t afford to pay back.