{"id":35543,"date":"2025-02-20T07:00:53","date_gmt":"2025-02-20T12:00:53","guid":{"rendered":"https:\/\/futbolete.com\/us\/?p=35543"},"modified":"2025-07-14T06:34:33","modified_gmt":"2025-07-14T10:34:33","slug":"61-yo-social-security-checks-1343-62-2025","status":"publish","type":"post","link":"https:\/\/futbolete.com\/us\/61-yo-social-security-checks-1343-62-2025\/","title":{"rendered":"61-year-olds can apply for Social Security checks  if they turn 62 in 2025 and qualify"},"content":{"rendered":"<p>If you are <strong>61 years old<\/strong>, you must be thinking about filing for <strong>Social Security<\/strong> in the near future or in the long term. When you are 61 years and 8 months old, you should decide whether to apply for <strong>retirement benefits<\/strong> in 2025 or not.<\/p>\n<p>Of course, you must have worked for a minimum of 10 years to qualify. That is about 40 work credits. However, is it worth applying for <strong>Social Security benefits<\/strong> at <strong>62?<\/strong> It is great because you will have more free time, but it could be a financial error if you rely on this <strong>benefit<\/strong> to make ends meet.<\/p>\n<h2>Social Security allows one to apply 4 months before<\/h2>\n<p>The <strong>Agency<\/strong> claims that you can apply for<strong> retirement benefits<\/strong> up to 4 months before you want to start collecting them. Signing up for <strong>Medicare<\/strong> will be when you are about to turn 65, three months before reaching this age.<\/p>\n<p>All you have to do is create a my Social Security account online. Then, you can apply for<strong> Social Security<\/strong> online. If your request cannot be processed, you will get a notice from SSA.<\/p>\n<p><strong>Filing at 62<\/strong> can <strong>reduce<\/strong> your <strong>Social Security payment by up to 30%<\/strong>. This is a massive bite if you have a low income, no savings, and no retirement accounts like 401(k).<\/p>\n<h2>Social Security pays this average amount at 62<\/h2>\n<p>For your information, $1,343 is the average <strong>retirement benefit at 62<\/strong> after the <strong>2025 COLA increase<\/strong>. In order to allow your payment to grow you can wait until you are 67 (which is the Full Retirement Age for those born after 1960).<\/p>\n<p><strong>Full Retirement Age<\/strong> is the moment you can get 100% of your <strong>benefits<\/strong> without reductions. If you would like to get 24% extra from <strong>Social Security<\/strong>, you can simply delay retirement until you are 70.<\/p>\n<p>Filing at 62 may mean a lower payment but more checks throughout your <strong>retirement.<\/strong> It is a personal decision and you can download a <strong>Statement<\/strong> to see the future payments by age before you apply. It will definitely help you make up your mind.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are 61 years old, you must be thinking about filing for Social Security in the near future or in the long term. When you are 61 years and &#8230; <a title=\"61-year-olds can apply for Social Security checks  if they turn 62 in 2025 and qualify\" class=\"read-more\" href=\"https:\/\/futbolete.com\/us\/61-yo-social-security-checks-1343-62-2025\/\" aria-label=\"Read more about 61-year-olds can apply for Social Security checks  if they turn 62 in 2025 and qualify\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":35545,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[51,41,37],"class_list":["post-35543","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-payment","tag-retirement","tag-social-security"],"_links":{"self":[{"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/posts\/35543","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/comments?post=35543"}],"version-history":[{"count":0,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/posts\/35543\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/media\/35545"}],"wp:attachment":[{"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/media?parent=35543"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/categories?post=35543"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/futbolete.com\/us\/wp-json\/wp\/v2\/tags?post=35543"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}