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Happy 64th Birthday!

An Important Year Approaches!

Happy Birthday!  Retirement decisions may be just around the corner, so in case you haven't thought about it yet, here are a few things to consider:

Generally, you should apply for Social Security retirement benefits three months before you want your benefits to begin. 

  • If you were born before 1938 and you meet all other requirements, you can receive benefits beginning with the first full month you are age 62. However, if you choose to begin receiving benefits before age 65, your benefits will be reduced to account for the longer period over which you'll be paid. 
  • If you were born after 1937, you also can start your Social Security benefits as early as age 62, but your full retirement age is more than 65

Even if you don't plan to receive benefits right away, or decide to wait until after you reach full retirement age, you still should sign-up for Medicare three months before your 65th birthday.

You can apply for retirement benefits or just Medicare online at www.socialsecurity.gov. To apply for retirement benefits and/or Medicare, just go to Applying for Social Security Benefits and follow the instructions. You can also call or visit your local Social Security office. 

Or you can make an appointment for your application to be taken over the telephone at 800-772-1213, or in person at a convenient Social Security office. 

If you're deaf or hard of hearing, call our toll-free TTY number, 800-325-0778, between 7 AM and 7 PM Monday through Friday.