Social Security Matters

by Russell Gloor, National Social Security Advisor at the AMAC Foundation, the non-profit arm of the Association of Mature American Citizens

Dear Rusty: I turn 70 next month, October 3, and am making an application for Social Security benefits to begin in January 2026. I want the maximum Delayed Retirement Credits (DRCs) and the highest permanent monthly benefit. I do not want to leave money on the table, so should I request six months of retroactive benefits or at least retroactive to October when I turn 70? If I do this, will I lose DRCs and adversely impact my ongoing monthly benefit after February 2026? Signed: Turning 70

Dear Turning 70: I must ask – why claim your Social Security to start in January? You are entitled to your maximum SS monthly benefit in

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