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I am looking to retire in September.I will be 66 years old. When should I file?

Author :

Submitted : 2018-06-15 05:44:02    Popularity:     

Tags: September  retire  file  years  

3 months before you turn 70. Each year you delay you make 8% more. If you are retiring the end of September then the end of June File what?

Answers:

3 months before you turn 70. Each year you delay you make 8% more.

If you are retiring the end of September then the end of June

File what?

in order to get the full amount of social security file 3 months ahead of your birthday month, which would be June.
don't get tempted to file earlier, there will be a penalty. however, if your health is such and need is such that you could use the money earlier (in other words having a penalty really does not matter to your financial well being because of your circumstances) then file today.

I file daily most of the time. Otherwise, papers tend to pile up on my desk. What in the world are you asking about?

If you won't be earning $45,360 through August 2018 then you should be filing NOW and making your application effective April 2018. Although there will be a slight reduction in your monthly benefit amount you will be financially ahead until about 88 years old.

Otherwise if you will be 66 in September and want your month of entitlement to be Sept 2018 you can file online at ssa.gov as early as June 2018.

3 months before your Bday
Go to SSA.gov

ssa.gov is a very helpful website, if you are talking about Social Security. If you are talking about some other retirement plan, talk to the retirement plan administrator. For example, when I retired under a state public retirement plan, I had to start the process several months before the effective date and attend one of their required retirement seminars and meet with them in person. If you are talking about notifying your employer, usually for retirement it is a month or so ahead of time.

Call H&R Block and talk about that. They are cheaper than a private tax attorney, and just as knowledgable.

You can file for Social Security retirement 3 months before your birthday for the full benefit.



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