I turn 66 12/16/2016 when should I apply for ss benefit So I can receive benefitsI plan to continue working as well. Does December count as one of three months?

Hi,

If you want to start at full retirement age, you should elect December 2016 as your month of entitlement. Social Security makes their payments for December in January, and since you were born in the middle 10 days of the month, you will receive your payments on the 3rd Wednesday of each month.

You can file in advance as soon as right now, but before you file you should consider running the maximization software on this website. Depending on your circumstances, there may be more advantageous filing options available to you.

Best, Jerry