I reach full retirement age in December of this year.is it better to claim benefits in December orwait until January

Hi. There isn't much of a difference between those 2 options. Starting your benefits a month later (i.e. January instead of December) would increase your permanent monthly benefit rate by 2/3rds of 1%, but of course it would delay your first payment by a month. There are many other options that you should at least consider, though, especially if you're married. You may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the options available to you in order to determine your best strategy for maximizing your benefits.

Best, Jerry