Hi Larry, I turned 66 on July 22, 2022. What month will I be considered 66 + 4 months(full retirement). Also ,If want to start receiving benefits in January 2023. I soon should I apply?

Hi. Since you were born in July 1956, you'll reach full retirement age (FRA) effective with November 2022. If you want to claim your benefits starting January 2023, you can apply any time between now and July 31 2023.

Your best option for when to claim benefits depends on many different factors, so before you apply you should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze all of your options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry