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Under such a policy, individuals who would have become eligible for DI benefits at age 62 or later under current law would instead have to claim retirement benefits if they wanted to receive any Social Security benefits.
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.