Do I need to contact Social Security before my 66th birthday? I still work full time and have insurance through my place of employment.

We assume that you mean contacting Social Security for the purpose of applying for retirement benefits. It’s best to contact Social Security three months before the month in which you want to receive retirement benefits. For example, you would contact the agency in April if you plan to retire in July. This guideline applies no matter what age you plan to begin receiving benefits (e.g., 62, 66, or later). Many people apply for benefits at

For additional information and personalized answers to your questions, visit a local Social Security office or call 1-800-772-1213.

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