Navigating Social Security: The Dos and Don'ts for Seniors

Most workers are not eligible to receive Social Security retirement benefits the moment they turn 62 due to a little-known rule. Eligibility begins in the first month that a person is 62 for the entire month, which is typically not their birth month. The earliest age of eligibility for most individuals is 62 and 1 month. However, there is an advantage to this delay, as it increases the monthly benefit amount. It is still possible to apply for benefits up to four months before the desired start date, allowing time to gather necessary documents.