I turn 70 in mid December and would like to see and get the delayed credits of 32% benefit in my first check. When is the optimal time/date to file? Thanks! George

Hi George,

You'll get the full 32% rate increase from delayed retirement credits (DRC) if you claim your benefits effective with December (i.e. the month in which you reach age 70). Your first payment would then be scheduled for January, since Social Security pays benefits a month behind. You can file your application up to 4 months in advance, so you could apply now if you like.

Best, Jerry