my full retirement age date, i believe is April 7, 2024, my birthday is october 7, 1957. What date should i submit my paperwork to receive social security, to be effect april 7, 2024, i believe?

Hi. You're correct that if you were born on October 7 1957, then your full retirement age (FRA) for Social Security retirement benefits is April 2024. Social Security will consider you to be FRA for that entire month, so if you want to claim your benefits effective with your FRA then you would choose April 2024 as your month of election to begin Social Security benefits. By the way, Social Security pays benefits a month behind, so your payment for April 2024 would be scheduled for delivery in May 2024.

Social Security allows applications to be filed up to 4 months in advance, so if you want to start your benefits effective with April 2024 you could apply as early as December 1 2023. Before applying, though, you should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully compare and analyze all of your various options so that you can be sure to choose your best strategy for maximizing your benefits.

Best, Jerry