You Can't Get Social Security at 62 (Here's Why)

It’s a shock to some people when they find out they can’t receive Social Security benefits as soon as they turn 62.
The SSA has A LOT of strange rules. But there’s one that takes this to a whole new level and its called the “day before” rule. This rule says that your Social Security birthday is the day before your actual birthday. This has a lot of impact in the Social Security system including a big impact to when you can receive Social Security benefits. secure.ssa.gov...
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Don’t miss my free online workshop, “How to Choose the RIGHT Age to File for Social Security.” In this workshop you’ll learn:
✔The Most Important Factors to Consider BEFORE You File for Benefits
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Access the workshop today at this link
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⭐⚠️⭐Please read this⭐⚠️⭐
⚠️I am not an attorney, SSDI advocate, or affiliated with the Social Security Administration or any other entity of the US Federal Government. I am a practicing financial planner, but I’m not YOUR financial planner and since I don’t really know you, I can’t give you advice. So please don’t take this video as specific advice for your specific situation. Consult your own tax, legal and financial advisors. 🙇🙇🙇🙇🙇
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[@DeTar62]

Been working since I was 15. Retired from a 37 year career. My parents were dead at 68, 2 siblings dead before 54, all of them from cancer. I’m 62 this year, yep I’m gonna apply for SS this year at 62.

[@scotttracy9333]

Hopefully you'll be around a lot longer than your family members. Peace out my brother ✌️

[@billballoo7881]

Same but I'm also doing it because they will be insolvent in 9 years. Going to get as much of MY money back out as I can.

[@deanrotering879]

@@billballoo7881no chance. Congress won’t want to all lose their jobs

[@946towguy2]

SS is a Ponzi scheme.

[@robbyddurham1624]

Thus far I've spend my retirement taking care of my dad, then my father in law. I'm 58, retired at 50 to stay with my dad. Time is slipping away. Enjoy.

[@garyK.45ACP]

I retired at 62. I filed my claim 3 months before my 62nd birthday. It was approved within about 3 weeks. Your retirement benefits start the month AFTER you 62nd birthday and are paid in arrears, so my birthday was in September, my official retirement was October 1 and my fist check was in November. What about loss for early retirement? I my case I lost about $500/mo. BUT, I received my reduced retirement benefit for 52 months....about $98,000. I would have to live until age 83 to break even. One has to make their own assessment of that. Not only that, but I dedicated that money to paying off a home mortgage (which I did) and now SAVE over $700 month in a house payment. AND money saved is TAX FREE, you get to keep all of it. It is an individual decision, but I never looked back. Excuse me, I have to go fishing.

[@paulajohnson6409]

You also have to look at loss of income as well. Early retirement only allows you to earn 18,000 a year without penalties. At 62 I will only get 1300 a month but if I wait til 70 I will get almost 3,000 a month.

[@thullraven1]

​@@paulajohnson6409 So? It's different for everyone. People with health conditions probably want the early retirement so they can travel or do things they enjoy before their conditions make that impossible. I have been diagnosed with heart disease. I feel fine, and I see a doctor. The vast majority of my family members died in their 70s. I may or may not take it at 62, but I sure won't wait until full retirement age just to get more money. That would be foolish given my family history and personal diagnosis.

[@paulajohnson6409]

@@thullraven1 Sorry to hear about your health situation. That is a big factor to consider. I'm a diabetic and have artery disease too. I'm approaching 60. My mom passed at 61 her mom at 65 my grandmother's sister at 80 and my great grandmother liked one month to her 100th birthday. So there's a wide life expectancy age range there. I just don't want to draw too early and live longer than expected and be in the poor house. Wish I had a more solid means of retirement. But life happens along the way such as raising kids and going to college etc that stands in the way of saving early for retirement. I'm just going to have to play it by ear each year and not jump in with both feet at 62. Hope I'll live to be 80. Determined to do so.

[@thullraven1]

@@paulajohnson6409 I hope you live over 100! I have two residual streams of income that won't go away and I'm debt free. I OWN everything I have, including my 500 hp beast of a daily driver and my home. I'm actually retired now, but too young to draw SS. I have a third stream of income that disappears as soon as I turn 62. IF I am financially OK and my health is holding up, I MAY wait until 64 or 65 to draw at the latest. We'll see. 🙂

[@paulajohnson6409]

@@thullraven1 That was sweet of you to hope I live to a 100. In my situation Social Security is my sole source of retirement. I've been silver stacking since 2020 as a 2nd source of retirement. It came in handy this year because I had to liquidate some silver for a Stent placement. My job doesn't offer retirement whatsoever and not even sick pay. I work as a nurse so jobs will always be available. My home will be paid of at 65 and my car will be paid off at 64. Guess Social Security age all depends on each individual's situation. I hope to be able to work til I'm at least 67. That's just 7 more years to draw the maximum Social Security. Actually I've seen many people thrive off work and they pass a year or two after they retire. And I've seen nurses work in their late '70's and thrive even with health issues. Often wondered if there's anything to working and living a long life. Most important thing is to enjoy our jobs. We work a third of our life daily and most our lives over the years. To enjoy life's work is a blessing.

[@CindyVanover]

I retired at 62. No way I could’ve worked another 5-8 years in an industrial fast paced high stress job. Best decision I’ve ever made. After working since I was 17 I felt as free as a bird, not having to stop what I’m doing to go to work. Sleep as late as I want. It’s like 1000 pounds lifted from my shoulders.

[@jimmyReesby]

Because you made more than $16,000 of the year you retired, did you have to pay back 2 months social security?

[@CnyAuto-w4c]

It's an adjustment. But .. if your ready to then do it

[@ricardoflot2787]

You TOO?😁

[@frankherman5195]

When your body tells you it's time to quit it's time to quit.

[@catherinekile9500]

Im going to bed because im going fishing in the morning

[@ObamAmerican48]

I'll be 61 in July. I've worked since age 17. Never been married. Wages restricted by being a single ♀️ and a career in human services. My retirement plan is to buy a teardrop trailer with my 401K $$ and live on the road with what I think will be roughly $1900/mo SSI. All I need or want is a comfortable bed, a reliable car, TV & internet, and a wet bath in my trailer. That's it. Warm months up north, cold months down south. On the grid but out of the rat race.

[@samuelfink4799]

After watching both my parents lead a meager life only to die within the same year with a net worth just greater than a million dollars it caused me to reflect on my on life. I will be 53 in July and just had one knee replaced so your plan sounds great to me. Do it while you can and have fun!

[@lorihale129]

Good 4 u..im single too & my plan is in my retirement years( 2025) is to travel south to the beach during the year, keep a pt job somewhere & short adventures..so yes enjoy that plan!!!!💞

[@lorirogers6730]

Just please don’t confuse Social Security with SSI.

[@derrickhoward2904]

I heard that and I feel the same way. I'm 58 1/2 and I'm entitled to my ex wife benefits that I can start getting at 60. Those penalties before 66 is wrong!! Should I wait until 66 or start at 60?

[@kenpatton8761]

I‘ll be 65 in July also. Been lookin at campground costs and it looks like most campground are running between $30 to $70 per day with full hookup. So unless you are planning on boon docking a lot be prepared to pay roughly $900 monthly at minimum. I have access to military base rv sites and they are charging $25 per day. State parks are running $30 daily if you can get in. I just tried Custer State Park in the Blackhills and they’re already sold out. I have a truck camper so I can boon dock easily. Good luck and happy camping.

[@margarettalbot8486]

Took my ss at 62. Am now 81 and still kicking. I did have HER2 positive cancer at 75 but came out great after a year of chemo. I am glad I made the right decision to move in early. With COVID and all the other stuff that's happening I would do the same again.

[@montecraig7032]

My house is paid for and I have zero debt. I’m taking my 2,250 SS and $400 a month pension and quit my job and relax at 63.

[@ADBLOCKER4YOUTUBE]

well bully for you

[@bellat63]

Congratulations

[@ricardoflot2787]

That's RIGHT!

[@marleonetti7]

i knew most people live on about 25 k to 30 k per year , those reports i always hear or read that the average household income is over 50 k is BS .

[@ADBLOCKER4YOUTUBE]

@@marleonetti7 Average annual SS benefit (monthly) for men is about $2100. Naturally thanks to our patriarchal society, it is less for women.

[@Alan-lv9rw]

I’m 62 and just retired from a a white collar insurance job with the same level of stress as an air traffic controller. When they implemented Six Sigma and started to time us in the bathroom, I left. I get $50,300 per year in a pension and $28,300 per year from SS. My blood pressure, cholesterol, and a1c are all down. Retiring was the best thing I’ve ever done.

[@Nwladylaura369]

Timing your bathroom breaks is insane! I know the airlines do that plus time customer service phone calls.

[@SuzyM64]

I went to the SSA website and applied before turning 62. It was a very simple process.

[@bruceeigsti5274]

So insurance? That's my biggest obstacle my company had great insurance only reason I would keep working

[@davidhickenbottom6574]

Good to know thanks

[@rob068]

Did you have to upload your birth certificate for them? Did they give you a hard time?

[@SuzyM64]

No, I didn't send my birth certificate. It was easy.

[@MrLamborghinikid]

But you only look 30

[@randyk7699]

I am taking it as soon as I can! 62 here I come!

[@Dougs-Ear-Hole-Entertainment]

I'm taking it at 62 because my dad waited until 67 got 2 checks and died. Sure its 30 percent or so less, but I'd rather take a reduced payout over the long term than wait for a few larger checks and die.

[@Ed-sh8jt]

Its a good point unless he was making much more working and he needed to take care of some last expensive purchases before he hit 67.

[@whatistruth1155]

Agree.

[@ritamaroney5473]

Exactly..

[@franklinj1038]

Your on the right track there

[@randymillhouse791]

Fork yes!

[@skydancerforever]

Yes, i turned 62 end of May. Applied for retirement in early May for retiring July 29th.(last day i worked) Received my 1st check from SS in the 4th week of September. So there is a waiting period depending on what day your birthday falls on. Best thing i ever did! Don't wait until your dead or almost dead to get your money. Best thing you can do at 55 or earlier is plan for retirement at 62 and get all your living cost down so you can comfortably live on SS wages and what ever else you have coming to you. If you must you can still work part time for extra income if needed while retired. You just can't go over a certain amount.

[@Fuzzmom903]

Absolutely!!

[@PitchToTheRhino1]

You can go over the amount, but you'll be taxed almost 50 percent of what you'll make.

[@franklinj1038]

Smart skydancer dance on

[@lisalee2885]

That's what I'm doing at 59. Planning and prepping because I'm quitting my 23 year job and riding it out to ss time at 62 🎈🤍🎈🤍🎈

[@georgenasuta875]

I started collecting at 62 last year I did not want to wait.

[@standdown4929]

A lot of ppl are retiring at 62. I will be also in 8 months from now.

[@nickv4073]

No you didn't. You started collecting at age 62 and two months. Did you even watch the damn video?

[@georgenasuta875]

@@nickv4073 You are a loudmouth I am sure .why would you think I would think I would get a check on my birthday. And no did not watch the damn video. The title was BS

[@Now_lets_get_this_straight]

I’m actually glad there are people out there that think like you because that keeps the system going longer being able to pay me more by me delaying it and living past the break even point. As long as I look both ways before crossing the street, I should be able to do that given my families past age longevity.

[@squirrelcovers6340]

@@nickv4073 WRONG. Go to the actual SS instructions age.

[@bmcgc1960]

I filed at 62 and have invested 100% of my benefit. It has grown at an average of 14% a year tax free. Best financial move that I have ever made.

[@stevealexander6515]

Cate to share what you invested in. Thanks

[@DeTar62]

@@bmcgc1960 if you can invest the SS, you obviously don’t really need it to survive. Bully for you !!

[@misha-elministries5246]

Thank you Lord that I receive Social Security . I retired at age 66 with no debts and some savings to supplement my S S . My wife is retiring in Sept. at age 62 and between the both of us we can live comfortable . Down here in Fl we have a homestead and senior citizen deduction on our little 2 bedroom home and pay very little in property taxes . Thank you Jesus for leading and guiding our life and finances that we may spend the rest of our life together in rest and peace above ground . 😇

[@ga6589]

I’m no genius, but I was able to retire at 62 and start collecting SS without complications . The SS website spells it all out and I wasn’t expecting my first check on my birthday. Not rocket science.

[@oneantasgreathouse1318]

Me too

[@connied8374]

Me too

[@marthaanderson2346]

Me too.

[@rendaterry8624]

THANK YOU!!!! BECAUSE I AM CONSIDERING RETIRING AND I NEEDED THIS🥰

[@mad6127]

He clearly says you might not get your first check for about 2 Months After you turn 62, unless birthday falls on the first or second than your first check comes about 1 1/2 months after Birthday.... Plan for the Delay

[@efandmk3382]

I have other pensions and retirement plans that I had been able to tap, one at 55, and one at 60. So, at 62 I decided to stop working and apply for Social Security. The rules are very similar to the rules for Medicare. If you want your payments to begin when you're 62, you apply 90 days BEFORE your 62nd birthday. Social Security always pays ONE MONTH IN ARREARS. So if your 62nd birthday is on March 4, the payments actually begin in April. It isn't complicated.

[@standdown4929]

Thanks, good to know

[@edwinvonborstel3405]

Can I apply for Medicare at 64 and will that affect if I apply for social security at 70

[@rickjames7639]

I apply for my Social. Security 90 Days before I turn 62. My Birthday May 24th and I did not receive my first check until July 26? Why was that’s ?

[@rugbymike60]

@@rickjames7639 because you're Rick James bioch!

[@jimroscovius]

@@rickjames7639 Because you have to be eligible for a full month, which was June. Therefore, your first payment was in July. Simple.

[@LearnToSurvive574]

Lets be honest they keep raising the age soon they will want you to work till the day before you die so they can keep the money

[@thomassmith9844]

My guess is ssi won’t be around when I want to retire in 14 years at 62

[@annalisacovington2265]

AMEN AND IF YOU DON'T GET IT AT 62 IT WILL GO TO THE ILLEGAL IMMAGRANTS!SO WHY NOT?

[@randykinard5847]

Get a lawyer. Fuck them.

[@leert2698]

You seem to have a handle on the situation.

[@PlanePreacher]

Keep the money! They have already spent it!

[@lynngrissom6721]

I was 62 on October 14, retired on the 28th of that month, received my first check on the 3rd Wednesday of the following month. Been retired 14 years now.

[@philliprose415]

Never underestimate the governments ability to take something simple and screw it up and make it complicated!

[@talicatinai2637]

maybe I definitely agree to guess how the government is probably screwing the American people over the deadly results of an erecrion , if you get what I meant .

[@ianhumphry1]

Everything the government is involved in is screwed up. Look at education. The constitution makes no mention of the government running education, housing, health care, etc. There are about 13 things enumerated to the federal government, everything else should fall under the 10th ammendment and be ran by each state, even social security isnt included, its a forced retirement account. I would rather have everything i paid into it all at once.

[@jimroscovius]

And you lose money. It makes 3%, but inflation is higher than that. Only the government could get people all excited about a plan that loses money.

[@destinyreturns4885]

Amen to that

[@davidlafleche1142]

Social Security is a Ponzi scheme and Roosevelt knew that when he started it.

[@Dstrbrdgrnd]

I turned 62 on Dec 2, 2013. I applied for SS in Sept 2013. Got my first check Jan 2014. No problems. And I applied 3 months before my b’day!

[@sandrastroomer4988]

same here

[@richard8242]

They always underestimate us 12/2 guys and gals

[@Peachy08]

Don't let the thumbnail scare you. I got mine at 62. I turned 62 mid April and got my first check the first of June.

[@Seafarer62]

yeah, the title is definite click-bait.

[@heymoe1179]

That is what the title is implying. You qualify at 62...but your first check comes a month (or so) later. Deceptive video title for clicks and views.

[@midwesternoutdoorsandnatur8272]

Comments about ss running out of money and the retirement age going up Meanwhile we send hundreds of billions to other countries! Everyone of us that paid in should be outraged!!!

[@richardowens9061]

We don't actually send hundreds of billions to other countries. What we do is send hundreds of billions of dollars to American defense contractors and put our military tentacles in other countries. So, that money we spend on our military mostly stays here in the US, even if our military is spread out all over the world. What we get out of that is a world wide military presence that no other country has. We are THE world's superpower - for now, and as long as we continue to outspend the next six to eight countries combined on our military. And, if we weren't THE world's superpower, some other country would be. And, they might be an authoritarian regime with designs on taking us over. The hundreds of billions of dollars (actually, trillions of dollars) that get sent to China each year through our purchases of Chinese made goods? Now, that is what should outrage you.

[@deliveryguy7402]

I've been hearing that lie most of my life. SS ain't going nowhere.

[@OFCgamevids]

I AM.

[@nicholasc.5804]

The government is embezzling our money.

[@jimmyReesby]

It will never run out. Politicians try to scare voters every 4 years.

[@maverick5059]

You have an excellent delivery and the information if very clear. Great work. Please keep the information coming.

[@DevinCarroll]

Thank you! Will do!

[@KevinHolley-l6n]

Nonsense Lies. I turned 62 July 19, 2024. Got my first SSA check August 15 2024.

[@davidparker5345]

I retired at 61 and started my social security at 62 !!!!!!The first payment shows up a bit later but YES YOU CAN START AT 62!!!!!!!!!!!!!!

[@Gruñón92]

Why are you screaming?

[@davidparker5345]

@@Gruñón92 that was clik bait with a misleading title that needs to be drowned out with some loud typing BM

[@Gruñón92]

@@davidparker5345 I see

[@BullseyeBob1]

I took it at 62. The break even I calculated was about 77 years old. If I make it that far with all the craziness, Covid and god knows what that’s coming let alone SS bankruptcy. I figured get what you can as fast as you can and know that your expenses will be severely less than at 62 once you are in your 70s. So far, my plan has worked to perfection. 👍

[@heymoe1179]

SS will never go bankrupt. They may have to adjust the rules to keep it solvent (increase the age, increase the contribution from 6.2% up a bit, increase the income number where people no longer have to contribute)...but it's not going away.

[@tonynes3577]

Don't depend on the government to keep it simple. Or, just don't depend on the government.😪💰🤔😱

[@qvorhies3575]

Not depending on gov, just looking for what I paid in. Since they wouldn't let me invest it, cuz you know, too dumb.

[@jerry171460]

Government raised retirement age for a reason!

[@davidwoods358]

Took mine in 2019 at 62. I wanted to make sure I got a little something before it's gone. The way this administration is going I have to wonder if the whole system is going to implode soon.

[@SmallSpoonBrigade]

Honestly, it wouldn't be an issue for you, it's for people in their 30s and younger that won't not get their full retirement from social security. They've already been increasing the retirement age to ensure that the trust doesn't run low on money, but that means that people are losing out on potentially years' worth of benefits.

[@Dream-bebe]

I wish I can collect it now! I Can’t find a job. I go to interviews but don’t get an offer. It’s because of ageism!!!

[@stoneyswolf]

The trucking industry will hire you doesn't matter how old you are if you can drive you can work.

[@Travis43-kat]

There are dot regulations if your on insulin you cannot drive read dot driver

[@stoneyswolf]

@@Travis43-kat who said anything about insulin? Read the comments driver.

[@chachadodds5860]

Only the gov could complicate a birthday.

[@anthonyvitanza1711]

Good one I agree with you a 100%

[@hamamizu46]

It's complicated but it is right. You turn a year older the day before your birthday. Why? Because January 1 to December 31 is a year. January 1 to January 1 is a year and a day. Works the same for all birthdays.

[@anthonyvitanza1711]

Let me know what you🤔 think does that make any sense to you

[@bigshadetree]

I applied for SSA at 62. My birth date is 11/25/56. I received my first payment in the 4th week of January and at the single monthly rate. In essence the United States government holds one month's pay in escrow until my death. What happens to that one month's pay after my death is the question. And this happens for everyone whose birthday does not fall on the first or the second of the month. That's quite a bit of cash if you ask me that they should not be entitled to. It's doubtful that money remains in the trust. I worked 48 years of my life (started paying SS at age 14) with 16 of that being in the armed forces of the United States only to be screwed by the very same government that I stood in defense of. I am also a service-connected disabled veteran. The VA re routinely revokes my disability payments and I routinely have to go before an administrative judge to have them reinstated. That's the love of our nation.

[@thomasbranson8796]

I turned 62 in May of last year, and I filed for and got my social security instantly. I started drawing the next month.

[@thomasbranson8796]

That is weird, my birthday is may 26. I got my first check at June 3 Rd.

[@deanrotering879]

They make you wait a month

[@brentleslie8156]

I’m turning 62 in February, your information is helping me decide when and how to start collecting social security.

[@cleonadooley8479]

My job ended the 30th of October I was 61. The first Monday in November I applied for SS because my birthday is in December. I received my first check in January.

[@westsparks6844]

Thats exactly how it works

[@dennistyler9852]

Hopefully collected unemployment too.

[@leesawatson3184]

I just turned 62 in June and I started receiving my social security in September. And the social security paid me back for the months of July and August.

[@arturogomez7915]

Retired at 62 right on time. The pandemic hit on Feb I retired on march.

[@boydmking1]

Wow! We had a "pandemic" and I didn't even notice anybody dying until the cure came out . .

[@jsullivan5358]

Two years ago I turned 62, and on my birthday I talked to social security. I was getting my check 2nd month.

[@wayneforbes7671]

Your great! I need to get your publications. I've been subscribed for about six months and have learned many things. Now I've found out that my birthday, November 2, plays a big roll on my retirement date. Thank you!

[@DevinCarroll]

Best of luck!

[@kenmrock9334]

Mine’s is Nov.1 so this video helped.

[@user-es3zh3jk5o]

This guy is full of it. I started my S.S. at 62, no problems. Its great

[@westsparks6844]

Exactly! To begin with i cant helieve people would use KZbin to get such important info. Go directly to social security website and set up an account. They have any question covered you may have. You can even apply for benefits online. If that doesn't help You, visit your local office. This guy in the video is full of s.....t

[@jonesy4588]

he is just some idiot that's has no clue , this is click bait

[@bozo8894]

me too. sure this fool voted for comrad biden

[@josephk4807]

He's full of crap. I got mine, so! Blow it out your as.!

[@xyntrk]

You obviously didn't watch the video. Of course you can retire at age 62 - he's just explaining how the SSA determines WHEN you turn 62 - and depending on what day of the month you were born in the year you turn 62 is when the SSA says you are 62, NOT when the calendar says you're 62. Your misunderstanding of facts presented doesn't negate those facts. It just means you didn't pay attention.

[@LostInThe0zone]

"I wish I could say this was the most convoluted rule the Social Security administration had, but it's not." 😆

[@homerwashington8118]

and we all knew he would end with, "but it's not". lol

[@jimrotharmel]

I really enjoy your contentment. and the way you breck down rules like this I think I am gaining useful info for when i file in a few years

[@angelsrone]

I've already talked to social security I can start collecting in September when I turn 62

[@jcampezzi1027]

Government never lies.

[@karenhardie1132]

Apply early, I applied in January and they told me my first check will be in June. Six month wait.

[@robbynv9900]

@@jcampezzi1027 Lol.

[@gary6463]

I turned 62 last month February .I signed up for mine.

[@EdBrumley]

From my years in Business Law we learned you become a year older the day before your birthday date. The theory is that if you were born on September 9th, 1959, you will turn 62 years of age on September 8th, because there are 365 days in a year. If you were born on September 9th, you don’t have to “repeat” that day to be eligible to turn 62. You always achieve your next year of age the day before your birthdate.

[@NoMoreTears64]

Such a complicated mess! I'm just going to apply for survivor's benefits and let them take whatever they are going to take. I work full time and will be over their poverty threshold. I dont care if they give me only 100.00. Its 100.00 that I will recover on my ex spouse who passed away and he WANTED me to take what was ours!

[@captainamericaamerica8090]

GET WHAT YOU CAN

[@debbiewilson4123]

You can take the widow benefit at age 60

[@ttlilfeet3211]

Or 50 if your disabled

[@originalfiremancancelled7303]

Actually, you are wrong. I started collecting it the day I turned 62. You may want to consider a new occupation or at least study upon anything before you open the pie hole.

[@conanlive3784]

I'm not 62 quite yet, but grateful to even see the arguments in the Comments about when we get our benefit or whether the money was "stolen" from our paychecks all along. It means at least SS benefits will still be there when I hit 62; years ago there was so much doom and gloom about whether SS would even exist by the time I got old enough that I never counted on getting it. Just happy that it appears I will, no matter what month it starts.

[@SmallSpoonBrigade]

That right there is the key, when you hit 62. For younger workers, we'll have to be older to claim anything and every time there's a cost of living increase to the benefits, that's just that much money being stolen from our income that we could be using to invest or pay our rent with.

[@theoriginalkaro]

I am almost 72 and filed before I turned 62 and started drawing at about 62 1/2. I have still worked off and on and still drawn my full benefits. I don’t regret at all starting to draw when I did. I paid in since I was 17. The way our government is now, with the threat of possible loss of our benefits due to mismanagement on their part, I am happy. I am very healthy and active, and debt free, and hope to live for a very long time. I said all that to say this: everyone’s situation is different. Get advice if you need to, but do what is right for you.

[@MilesCobbett]

When I called SS and asked the guy told me to apply several months early. I did and my first check came about 2 1/2 months after I had my 62nd birthday.

[@MrMaziar58]

And I sent mine on June 3rd in 2020 and still waiting mind you I was born in august 1958

[@BlackheartCharlie]

Thanks for this very useful information! Great to hear about your REAL WORLD experience, instead of someone saying "... well, I've heard that if you..."

[@marklandry3709]

Made 62 5/23, will be getting first check 7/28, so yes about 2 months!

[@yfa6244]

@@karenhardie1132 That's foreboding for us that are waiting, it probably will be nonexistent for people like me who don't want it till 70.

[@karenhardie1132]

@@yfa6244 One never knows when your time is up. I know people who worked until they died. They didn't get to enjoy any retirement. My advice would be to retire at 62 if you can afford it. The problem comes in with health insurance. Medicare doesn’t start until 65. I left at 62 and love it.

[@donaldmonarch1339]

Wow, I'm 66 and got early retirement at 62. Who woulda thunk!!!

[@fivestar3655]

My step father was upset as to why his first payment would not come till September this year. ( born mid July). Now I can explain to him why. Thank you

[@SmallSpoonBrigade]

You should have explained to him that it was just a month, younger workers are going to have to wait years.

[@davidkuharich9269]

I retired at 62 this year, was very smooth process. My job was physically , and mentally stressful worked 44 years. Thats long enough.

[@DonaldMinard-c8u]

SS is just like dinner, as soon as the plate hits the table you eat, never wait.

[@seventhchild7270]

This is why they say to apply 90 days ahead for your retirement....

[@wayneneva1]

I wonder how long it takes SS to start up benefits? Do you know?

[@karenhardie1132]

I applied in January. They told me I won't get my first check until June. Apply really early!

[@rabokarabekian409]

NICE clickbait title!

[@ronalderb9692]

But, you're still getting Social Security at the age of 62. Your title states differently. I got mine at 62, so this is all nonsense.

[@piperv2522]

I was told to file three months before my birthday I did that and had no trouble getting my Social Security at 62 The whole reason for this was that most people die before they get their Social Security the full amount so over half the people at my job I’ll file the same as I did I had no problems good luck

[@athena3865]

Right. Waiting till full retirement age is no guarantee you will make it that far, especially in today's world. Start receiving it as soon as you're eligible. There is no guarantee you will live another five years.

[@johngill2853]

Most people die before they get their full amount? I think you better Google how long someone who is 62 will live, your statement is not accurate

[@ethelpack6319]

I applied for widows pension three months before I turned 60. My husbands and my birthday is July, I received my first check in august .

[@KE-vm1tp]

I'm retired military..im taking mine at 62..I will also have a small pension from my current job..I may work a little part time..but I'm going fishing..

[@leereader8235]

Go fishing, collect SS at your FRA or later.

[@fleabag2mr.151]

I retired in 2023 and turned 62 at the end of February 2023. Did all the paperwork on line 6 months before and started collecting in March 2023.

[@johngoodwin2384]

You are full of it. I retired at 62 years and one week. Yes it took two months to get that first check, but I got it two years ago. No regrets !

[@shaker1485]

Don't forget people, that's just social security, not Medicare. You still have to have medical insurance. Depending on the insurance you have,will cost you monthly till you qualify for Medicare! I retired at age 52 through the union. 33 years as a laborer. Pension and anuitty, no government funds yet,as I'm to young to apply. Retired healthy, but got a 700 dollars a month for health insurance. So to all that want to retire early, keep that in mind. HEALTH INSURANCE. It's a killer payment every month till Medicare kicks in.

[@thullraven1]

It's different for everyone. People with health conditions probably want the early retirement so they can travel or do things they enjoy before their conditions make that impossible. I have been diagnosed with heart disease. I feel fine, and I see a doctor. The vast majority of my family members died in their 70s. I may or may not take it at 62, but I sure won't wait until full retirement age just to get more money. That would be foolish given my family history and personal diagnosis.

[@cindyallison2528]

My husband retired at 62 and 2 months. He had been a self employed house painter for the last 20 yrs. We knew he would lose money but now I know he has money coming in monthly. Before I never knew if he'd have work. He is also a 50 yr smoker. I will still work until 66, especially for I surance.

[@DrewBlanton1959]

I got it at age 62, what are you even talking about???

[@Hank-t5b]

It has rules if you want to keep working like me and I can. If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2024, that limit is $22,320. In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit. In 2024, this limit on your earnings is $59,520. We only count your earnings up to the month before you reach your full retirement age, not your earnings for the entire year.

[@roymoxley2587]

He has no clue what he is talking about More bs on KZbin

[@dugie5246]

I filled for early SS in October 2013. Starting receiving SS in February 2014 at age 62. Wife's birthday is one month later and she turned 62 and got her SS in March.

[@michaelhays2158]

That's like saying you can't eat at 6 o clock when dinner won't be ready till 6:15

[@dennistyler8746]

Appetizer until 6:15

[@frankcarr7029]

Actually, it depends on the question; widows and widowers can take it at 60, but there are income restrictions.

[@buddybahama3938]

The government is handing out cash to everyone but seniors. I think I'll pop out 3 kids and collect $900.00!

[@captainr.8882]

Be sure to put a (D) after your name politically so they send you 3k a month is food stamps as well.

[@msbugan50]

What about the grandparents babysitting without pay?

[@johngraziani4477]

Go toMexico, and then sneak back into the country illegally. Then you will get free healthcare, and $475;000.

[@SmallSpoonBrigade]

The money that they have been handing out to seniors is being stolen from younger workers. Where do you think the money for those cost of living allowance raises come from? Here's a hint, it's not from increased money from payroll taxes, payroll hasn't been keeping up with inflation. Perhaps a bit of gratitude that the folks that were screwed over by retirees are now the ones being stolen from to give what benefits there are.

[@branmichaluk445]

@@msbugan50 If you're a grandparent and babysit your exempt from social security?

[@katpraeuner9794]

I got mine on the third week of December. My birthday was November 20. I applied 3 months prior. I retired in March the next year. When my ex turned 62, I applied 3 months prior and will get it in June. His birthday was may 1st. I am 66 so i actually got more than the 70%.

[@Dumbluck14]

Who thinks this stuff up??? We have to know their arbitrary rules inside and out or we could get burned. Also have to stay one step ahead of the medical insurance industry or get burned. Thanks for helping us stay informed.

[@jclaytoncabral5106]

Who? Criminals, that's who.

[@DevinCarroll]

This "day before" rule isn't just an SSA rule. This is part of the common law that is used in most cases. What's interesting about the SSA's use of this rule is how it impacts your benefit timing and amount.

[@sallyclay1974]

I went through a corporate, bankruptsy takeover, in 2006. My last job, for May Company, was at The Danbury Mall, in CT. I worked for Filenes, Robinson's May, GFox, and Lord And Taylor, in Manhattan.. Federated Macy's took ocer, in 2006, and May C-O, went out.I threw in the towel, at 59. I got disability, and then, at .65, I got a letter, that changed my statis, to Social Security, that gave me the same amount of money.

[@whyyeseyec]

For a govt website, the SSA actually has a very good website. Anyone can sign into it with a user name, a password and your SS number. Give all the info the site asks for and once in, it will have your entire gross income listed for all the years you have worked to date. It also explains very well the rules for receiving funds beginning at 62 and after - depending on what age you choose to start drawing funds. Don't bother with these types of YT videos as they can be very misleading. The SSA website explains it all very well. Take advantage. It's no mystery.

[@mad6127]

I see no where on the SS site where it tells you when you will get your first check...the video does a good job explaining it

[@roberttraylor1392]

i got mine at age 55 after working 35 year i get a nice amout for ssid and retirement check

[@kaceebui6140]

Hi...how were you able to get at 55, pls? I thought the minimum required age is 62? Also, at 55, you are not qualified for Medicare, right?

[@OFCgamevids]

Enjoy life if you can... RETIRE and get your SS at 62 if you can afford to do so. I have a retirement check plus a SS check each month and the house we live in is paid off. We are enjoying our life and help the kids out when we can - because we can. I'm 65 now with declining health, so I'm enjoying my time here and now and am so glad I did not wait.

[@karenhardie1132]

Applied in January. They told me I will not receive my first check until June. I have to wait six months. Make sure you apply really early. Ridiculous.

[@olivertaylor8788]

Bet they didn't let you work 6 months without taxing your paycheck. They get it the first dam week you get paid.what can you expect from a government founded by felons and slave owners?

[@johnscott2746]

Karen, when is your birthday?

[@SEA-U2]

Good Point 👍

[@skittles970]

What's ridiculous is giving the government an interest free loan for 62 years

[@olivertaylor8788]

@@skittles970 The level of stupidity is beyond the pail. Between federal, state,local taxes,income tax,payroll taxes,sales taxes,property taxes,THEY GETTING IT ALL,YOURE WORKING FOR NOTHING,AND YOURE PAYING THE GOVERMENT TO SUPPORT THIS IGNORANT SHIT.WAKE UP

[@tomglunt7483]

While my goal was to push off collecting Social Security for years, earlier this year I had a stroke. While I was not sure if I ever would walk again, I applied for Social Security. Yes, it is true that this decision was made several months after my 62nd birthdate. Fast forward several months and I am back to work and wishing that I had not applied, but for those few months I spent in wheel chair, it was important.

[@dougm1985]

i watched this yesterday, no wait today. but yesterday for SS

[@THOMASBARCLAY-q2v]

I retired at 62 no problem,then moved to Philippines. Cost of living is cheap and I receive Social Security & my pension and live like a king.

[@toneycollins6377]

Well that's news to me! My birthday is on the 2nd, I guess I'll be waiting an extra month or two before I go out.

[@GopherBaroque61]

I filed for Social Security 3 months before my 62nd birthday in late July. The first payment I received was in September.

[@philliprose415]

You should get back what these theives stoled from you 100 percent regardless what age you choose to retire!

[@francesvandeburgt4173]

I agree!!!!

[@skittles970]

Nah you'd rather rob future generations

[@slshock]

@@skittles970 From what I'm seeing of this young generation are nothing more than lazy ass kids. All they want to do is watch movies and play games on their phones and computers while the government, (us hard working Americans), fund them. It's a snowball heading for hell.

[@billw8476]

@@slshock true enough! this young generation are part of the generational welfare cycle that created this gimmee gimmee free stuff culture of self absorbed dopers.

[@janc8199]

@@skittles970 No the Government will be doing that from the all the borrowing they do to pay Paul. Where is all the money from people who paid into SS all their lives, then dropped dead before, or right after collecting?

[@pauljoseph2400]

It's best to look at it like a paycheck. You don't get paid in advance by your employer before you do the work. You earn that monthly Social Security payment by living through the month successfully, then you are compensated the following month for staying alive for the benefit period.

[@jamesripton7120]

What does it matter? No one should collect SS before their FRA or 70.

[@kimpliny]

Learn something new! It doesn't affect me anymore since I had already filed at 62. Guess my wife is luck as her birthday falls on the 2nd of the month:)!. Thanks for the great information!!

[@susanhagler2401]

My husband found out I can apply at 61 he’s 62 and I can draw half of his too

[@justnkace137]

Hate to tell you I filed at 62 90 days before my 62nd birthday! Lost 700 a month and I got mine...

[@susannahfaria3588]

I waited until 70 and just kept working. No problem.

[@JC-id7dj]

I’m 60 and contemplating on receiving mine at 62 because I’m thinking about selling my home soon, move to AZ, which doesn’t tax ss and when I turn 62 which will be the month of February 9, so I will get it in April and invest it. I get a pension which I will live off of. Also, invest the proceeds from the sell of my home. I want to live a simple debt free life moving forward.

[@reggiec2924]

Thank you for sharing this information. I wonder why Social Security had to create procedures that make life more complicated.

[@henryvalero9235]

From Lil Giant Bet it saves them money, somewhere. Wait til you find out you do not get to keep the payment on the last month, when you die. Interesting problem for paying bills, that.

[@Mexicobeanpole]

@@henryvalero9235 That one is so cold. When my dad died, that months bills had been paid. My mom had to dig into savings to send that money back to the SSA. Luckily, she was able to. But, what about someone that doesn’t have the resources to find that money and send it back, after the money has gone out to bills?

[@jimroscovius]

Because it's the government, that's why. The government screws up every single thing they touch - Social Insecurity, Medicare, Student Loan system, welfare, the list goes on and on...

[@anthonydorazio9650]

To many of my family and friends have passed away before 62 . Thats what my parents did and hopefully myself also.✌️

[@michaelmaston4702]

This title is " You Can't Get Social Security At 62"...a misleading title at best. You will STILL get your benefit at age 62 when applied for. It just kicks in the month AFTER your birthday.

[@thomasaltizer1949]

My B-Day is 15 May 1963. How do I figure out what my monthly benift check will be ?? Thanks, Tom

[@bhinbayoucity5691]

Just apply 6 mos after u turn 62, n then you're covered on all bases! Lol.

[@scottrmclaughlin3495]

With a 6-month increase..?..!..$ or wait longer for a larger increase..?..!..$

[@XX-166]

@@scottrmclaughlin3495 if you’re alive to receive the funds by waiting

[@scottrmclaughlin3495]

@@XX-166 If you’re dead you’re not gonna need the funds anyway..?..!..🤷‍♂️

[@XX-166]

@@scottrmclaughlin3495 exactly so why wait.. spend it while you have it.

[@livdouglas3410]

Hun.....Okay!

[@danielroberson5421]

I have been drawing it for almost a couple no regrets and have my state retirement. Life is good.

[@shanechostetler9997]

That’s funny, he used the example of June 6th, which happens to be my birthday.

[@josephk4807]

I have ssi. I got it at 62! You apply a couple months ahead of your 62 birthday! You're full of it and don't know what you're talking about!

[@marleonetti7]

99 percent of youtube is click bait .

[@garybelew7813]

If you apply well before your 62nd birthday, your benefits will actually get paid out the month following, based on the date you were born on. My birthday is on the 21st, so I get my SS payment on the 4th Wednesday each month.. The thing, is the pay is a month behind, for example, they will pay my August benefit on September 25th. That's because when they changed from all benefits being paid on the 1st, if a person died after their payment had already gone out, they wanted that payment returned, now they don't have the grieving family having that to deal with because they have most of a month to inform them of the death.

[@Worldpeace353]

I personally think Social Security should be OUR OWN choice. If we don't submit anything to it then be it. If a person ends up poor it would then be their choice. The government is bs and it's an unfair world BUT life is certainty worth living, and working. Devin you are a master at how well you help us to understand Thank you sir

[@larryjones9773]

Then, there would be more homeless people. Are you sure you want that?

[@eddieBanke22]

I took SS at 62. I am 76 now and in excellent health and I fully expect to live well into my 90's. Now you might think that taking early retirement was a mistake. It was not. The extra income allowed me to live and work the way I wanted and to get out of the health destroying rat race. I probably would be dead in 2024 for years had I not retired early.

[@clarice1001nights]

Do you work at all with Expats? and in what capacity?

[@HeinzGuderian_]

My birthday is 2 January. I applied for SS in October. It was approved and I began receiving my $$ mid-February (2nd Wednesday of each month). So yes, I got SS at age 62. All Govt checks are paid 1 month out.