Question about 100% Social Security

[DURHAM D]

2. That sounds correct - full retirement year

For several years they have been trying to get seniors turning 65 to go ahead and start-up their SS payments right away. This reduces your lifetime SS check by around 6% a year. However in your case your full retirement year is just a few months away so it should work out well.

When I turned 65 and called to enroll in Medicare they bounced me around to three different people trying to talk me into starting SS immediately. I think it is for their convenience of taking it directly from an SS check instead of processing mailed in payments plus, and this is a big plus, it also saves money for the SSA overtime if you take it early. btw - I had to pay Medicare quarterly in advance. I assume it is still the same.

I delayed my SS checks 2 years past my full retirement and it increased my amount by about 18% a month over what it would have been if I had taken SS the year I turned 65. So, if you or your husband are still working look at the benefit of delaying receipt of SS.