You can apply now (September) to start your benefit with December. Social Security requires that you be age 62 throughout the full month to qualify for benefits. Since you were born on November 14, you are not 62 throughout the whole month of November and December is the first month you qualify. In addition, Social Security pays benefits the month after the month they are due so the payment for December is made in January. The Social Security Administration recommends filing your application for benefits three months before the month you want to start your benefit.