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They pay a month behind, so you keep the money, but notify them social security administration makes their monthly payments one behind. This means that the check received each month is in payment of preceding month's benefits 5 most people think social security terms a monthly payments start arriving when you stop working.
Say someone born in 1952 is eligible for full retirement benefits of $1,300 a month at age 66, in 2018. If he or she takes Social Security this year, at age 62, the size of that check is reduced by about 25% to $975 per month.