Welcome to Maybrook. Whether you expect to be here for a short time or for the rest of your life, we hope you find Maybrook to be a friendly, caring and supportive community where everyone is received warmly by. Over the past three years we have gained an even greater appreciation for our community and its spirit.
In short, the best advice for claiming Social Security is to wait. Yet 41 percent of men and 46 percent of women retire at age 62 on the smallest possible benefit check. Only 14.3 percent of men and 9.7 percent of women wait to collect their full check at age 66.
The earliest you can apply for Social Security retirement is three months before you turn age 62 to receive your first check in the month you become 62 years old. When you apply for Social Security after age 62, you can designate the month you want benefits to begin from the current month up to four months in the future. Social Security benefits are paid in the month after they are earned, so if you elect to start your retirement benefits for the current month, the first check will arrive next month. As a result, you can delay applying for Social Security on a month-to-month basis until the month before you want to get your first payment.