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My birthday is in November. At my 70th birthday may I wait until January before applying for Social Security benefits? What happens if a 70-year-old does not apply to collect benefits until an older age? Are benefits paid retroactively? Would some benefits be forfeited?

You don’t have to begin collecting Social Security at age 70 but your benefit will not increase if you delay claiming past your 70th birthday. The Social Security Administration will be able to pay you benefits retroactively for up to but no more than six months prior to the month you file the application.

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