I turn 65 on 10/31/22 haven’t signed up for social security yet I’m still working full time , if I wait till after the first of the yr in 2023 to sign up will the cola increase for 2022 be added to what I would get if I filed in October of 2022

Hi. Yes. All Social Security cost of living (COLA) increases that occur after a person turns age 62 are added to their Social Security retirement benefit rate regardless of when they apply for benefits.

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Best, Jerry