For current global climate change, see Global warming. Climate change means the difference in the Earth's global climate or in regional climates over time. It describes changes in the state of the atmosphere over time scales ranging from decades to millions of years.
By Investopedia AAA |. A: Applications for Social Security benefits can only be processed a maximum of four months before benefits are scheduled to begin. Thus, the earliest you can apply is age 61 and 9 months, and you can expect to receive your first payment four months later, the month after your birthday. However, benefit payments come after each full month of eligibility.
However, if you do delay receiving your benefits, you must still apply for Medicare before age 65. The Social Security Administration recommends starting the process three months before your 65th birthday. If you don't do this, you can still apply after age 65.