As someone who just went through this process myself last month, I can confirm what everyone is saying! I turned 67 on January 15th and was able to start my benefits on January 1st with no reduction whatsoever. The birthday month rule is real and it works exactly as described here. What really helped me was calling SSA early in the morning (around 8 AM) when the wait times were shorter. The representative I spoke with was very clear that as long as you reach FRA sometime during the month, you can start benefits on the 1st of that month. She even mentioned that this is one of the most common questions they get, so don't feel bad about being confused - you're definitely not alone! The peace of mind from getting official confirmation was worth the phone call.

I'm so glad I found this thread! I'm in almost the exact same situation as Ava - I turn 67 on February 28th this year and have been agonizing over whether to select February 1st or wait until March. Reading everyone's explanations about the birthday month rule has been incredibly enlightening. I had no idea that Social Security considers you to have reached your FRA for the entire month of your birthday. This makes so much more sense than what I was trying to decipher from the official SSA materials. Thank you to Miguel, StarSailor, the claims specialist, and everyone else who took the time to explain this clearly. It's amazing how much stress this has relieved - I was literally losing sleep over potentially making the wrong choice and losing benefits. Now I feel confident moving forward with February 1st as my start date!

Thank you all for the helpful responses! I've made an appointment with my doctor to get updated medical records and I'm going to start gathering all my documentation. I think I'll apply for both regular SSDI and the Disabled Widow Benefits as suggested. I'm still nervous about the whole process, but at least now I have a better understanding of my options. I'll definitely use that Claimyr service to speak with SSA directly about my specific situation. Will update when I have news about my application.

I'm so sorry you're dealing with these health challenges. As a newcomer to this community, I've been reading through similar situations and wanted to share what I've learned. The information about Disabled Widow(er) Benefits is really eye-opening - I had no idea this was even an option until reading these responses. One thing I'd suggest is also reaching out to your local Area Agency on Aging. They often have benefits counselors who can help navigate the Social Security system for free, and they might be able to review your situation before you apply to make sure you're taking the best approach. They're familiar with both the disability process and widow benefits, so they could give you personalized guidance. Also, given your pacemaker complications, have you considered whether that might qualify you for a Compassionate Allowance? Some cardiac conditions with devices can qualify for expedited processing. It might be worth asking about when you speak with SSA. Wishing you the best with this difficult situation. You're not alone in this process!

As someone who just went through this exact situation last year when I started benefits at 62, I can confirm your advisor is absolutely correct! The monthly earnings test ($1,850 for 2025) only applies during your first calendar year of receiving benefits. Starting January 2026, you'll be subject to just the annual limit ($22,320 for 2026, though they usually announce the exact amount closer to the year). One thing I wish someone had told me is to keep really good records of your monthly earnings during this first year. I used a simple notebook to track each paycheck and made sure to account for any bonuses or overtime that might push me over the monthly limit. Also, remember that the earnings test looks at when you EARN the money, not when you receive it - so if you work in December but get paid in January, that December work counts toward December's limit. The good news is that once you hit your Full Retirement Age, all earnings limits disappear completely and any benefits that were previously withheld get added back to your monthly payments as a recalculation. Hang in there - the rules are confusing but you'll get through it!

As someone who just started navigating Social Security at 64, I can't thank everyone enough for these detailed explanations! This community is incredible - I was so confused when I first read about the earnings limits, but now I feel like I actually understand how it works. Just to make sure I have this right: in 2025 (my first year), I need to stay under $1,850 per month, and if I go over in any specific month, I only lose benefits for that month. Then starting 2026, it switches to the annual limit of around $22,320, and they look at my total yearly earnings instead of monthly. And once I hit my FRA, no more limits at all! I'm definitely going to set up that tracking spreadsheet someone mentioned and talk to my part-time employer about paycheck timing. It's such a relief to know that my 401k withdrawals and pension don't count toward the earnings limit - I was being way too cautious about that. One question for those who've been through this: do you report your monthly earnings to SSA proactively, or do they just figure it out from your tax records later? I want to make sure I'm doing everything properly from the start.

Just wondering but why didn't you apply for spousal benefits right when you reached FRA? Did you start working again or something? Just curious because I'm trying to figure out my own situation.

Great question! I just went through this process myself about 8 months ago. Here's what I learned: definitely schedule your appointment at least 6-8 weeks in advance, not just one month. The processing can take longer than expected, especially if they need additional documentation. Also, make sure to ask them to estimate your new monthly amount during the appointment so you know exactly what to expect. In my case, the spousal benefit added about $340 to my monthly payment, but it took almost 2 months to show up in my direct deposit. One tip: if you have trouble getting through on the phone to schedule, try calling right at 8 AM when they open - that's when I had the best luck. Good luck with everything!

One important thing to note - when you reach FRA, the earnings test no longer applies at all. You can earn any amount without affecting your benefits. So if you're close to your FRA (July 2026), you might want to consider whether it's worth potentially changing your work situation for a relatively short period. Also, the ARF recalculation is designed to eventually pay you back the equivalent of what was withheld, just spread out over your lifetime. So in theory, you should come out roughly even in the long run.

Just wanted to add my perspective as someone who went through this recently. I had a similar situation where I took early retirement at 62 and kept working part-time. Had to pay back about $8,000 over two years due to earnings limit. The good news is that @Jasmine Hancock is right about the ARF adjustment - it does happen and it's designed to make you whole eventually. In my case, my monthly benefit increased by about $150 after I reached FRA. One thing I'd suggest is keeping really good records of exactly how much you've paid back and when. I created a simple spreadsheet tracking all the amounts SSA withheld. This made it much easier when I called them after my FRA to verify the recalculation was done correctly. Also, since you're enjoying your work and only have about a year and a half until your FRA, I'd personally stick with it. The combination of the ARF increase plus any potential benefit from higher recent earnings years could work in your favor long-term. Plus, staying active and engaged through work has benefits beyond just the financial aspect!