I will b e 70 mid June, 2023 waited until this year to commence SS benefits (medicare since age 65). Unsure if payments should begin June or July to r eceive full Delayed Retired Credits. Searched exhaustedly - including your books, articles, etc. Thank you

Hi. Your age 70 rate will be payable if you elect to start drawing your benefits effective with the month in which you reach age 70. So, if you turn 70 in mid-June, you'll want to select June as your month of election to begin benefits. Social Security pays benefits a month behind, though, so your June payment will be due in July.

Best, Jerry