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Okay, here's my take on this.

Call right now and make an appointment with SS to find out for sure what your options are. You will have up to 6 months to decide if you want to go ahead and start drawing now or wait. During that 6 months, you can decide to start drawing as of the first time you contact them, and they will pay retroactively.

I contacted them in April, and went in today to complete the paperwork. I will receive payments for the time beginning in April If I'd been paying attention, I'd have contacted them earlier as I was 62 in January and could have received payments retroactive to then. Since I didn't, I can only go back to when I did contact them the first time by phone to make the first appointment.

According to the information I have, the amount of the full benefit is reduced by 5/9 of 1% for each month you start collecting before SSNRA. If you end up finding work and make too much, they will add 5/9 of 1% for each month when you do reach SSNRA.

I also talked to the unemployment office yesterday, and in this state at least, they don't care if I am drawing SS as long as I continue to look for employment.

After some thought, I decided it was a no lose situation and went ahead and filed early.

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