Ask Larry

What Month Should I Choose To Receive Maximum Benefits?

I turn 70 in the month of June. When applying for benefits, should the starting date be June or July in order to receive the maximum benefit?


If you were born on June 1st, you would want to choose May as your month of entitlement. If you were born any other day in June, you'd choose June to get the maximum rate. Social Security pays benefits a month behind, so payments for June are issued in July.

Best, Jerry

Jan 31 2017 - 6:00am
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