The question on the social security application reads Benefits should start in ? Options are 1/20 through calendar until 11/20 no 12/20. My birthday is 10/23/1950. If I answer 11/20 will I receive a check in November. My understanding Is for social security purpose I am considered 70 on 10/1/20 and should receive my first check in November

Hi,

When you answer that question you should choose October 2020 in order to receive your full age 70 rate. Your payment will then be scheduled to be paid in November. For benefit calculation purposes, Social Security considers you to be age 70 for the entire month in which you reach that age. Social Security pays benefits a month behind, though, so benefit payments for October are paid in November. And, because you were born after the 20th of the month, your regular payment date will be on the 4th Wednesday of each month.

Best, Jerry