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Social Security & Medicare

CoopersDad

(3,128 posts) Mon Feb 17, 2025, 12:49 PM Feb 17

I turn 68 in March, what time of year do higher benefits kick in? [View all]

I know what my calculated benefits will be at each age.

Please help me understand if benefits change each January or at each birthday.

If I file this April after my March birthday when I turn 68, I get $3,318, same as filing today.

If I chose to wait for the higher $3,613 benefit, do I need to wait until next January or file after my next birthday?

14 replies

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I turn 68 in March, what time of year do higher benefits kick in? [View all] CoopersDad Feb 17 OP

January SheltieLover Feb 17 #1

It increases incrementally by month JT45242 Feb 17 #2

Good explanation. Just to add: the incremental increase stops when you turn 70. JustABozoOnThisBus Feb 17 #3

Thanks, I think you've answered my question... CoopersDad Feb 18 #6

The other consideration is how it affects surviving spouse JT45242 Feb 18 #7

Thanks, wife is a retired teacher with CalPers retirement, will receive 50% of my SS CoopersDad Feb 18 #8

Awesome good luck -- I remember doing this when I was a union rep and could not get people to understand this JT45242 Feb 18 #9

an example - if you took the money in April this year Skittles Feb 18 #4

Thanks, Skittles! CoopersDad Feb 18 #5

Yep $255 has been the amount for as long as I can remember too. C0RI0LANUS Feb 21 #10

Hi Skittles. What was your MOS? C0RI0LANUS Feb 21 #11

well you know the options were limited for gals back then Skittles Feb 21 #12

I knew one of the last WACs in the 1980s. You typed up a lot of DD214s I imagine. C0RI0LANUS Feb 21 #13

yup Skittles Feb 21 #14