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Timing the first SS deposit.
Old 01-20-2015, 10:54 AM   #1
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Timing the first SS deposit.

I know to file three months in advance, but still a little confused, here's the situation:

My DW and I are both retiring effective June 30 this year. Our last pay checks will be issued in June. SS checks are issued a month in arrears? So in order to avoid a check-less month we file in April or March? Or is a check-less month unavoidable?

Thanks
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Old 01-20-2015, 11:04 AM   #2
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If going checkless one month destroys your retirement plan, I suggest you both keep working.

You can apply early and have the checks start when you want them to start. Talk to the SS people and tell them what you would like to do. The only problem is waiting too long to start the process.
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Old 01-20-2015, 11:13 AM   #3
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DH applied on 12/15 shortly after turning FRA. His first deposit is supposed to land in our bank tomorrow, 1/21.

See here for when your deposit would be made based on your birthday: http://www.ssa.gov/pubs/EN-05-10031.pdf

He went down to the SS office to apply as he likes to ask lots of questions face to face.
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Old 01-20-2015, 12:00 PM   #4
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One comment on when to start the process.

We called to see if we could walk in or needed an appointment. Our situation was just complicated enough that they said we'd need an appointment. Fine, and the next appointment is available ....?
In about two months.
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Old 01-20-2015, 12:03 PM   #5
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One comment on when to start the process.

We called to see if we could walk in or needed an appointment. Our situation was just complicated enough that they said we'd need an appointment. Fine, and the next appointment is available ....?
In about two months.
You were lucky. The first available appointment for me was also two months, and that was for a telephone appointment. The first in-person appointment was over three months out.
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Old 01-20-2015, 12:35 PM   #6
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DH had no appointment. We waited no more than 10 minutes on a weekday morning.
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Old 01-20-2015, 12:58 PM   #7
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The appointments are very geographically based. My aunt needed an appt - in Phoenix - and it was a few months before she could get one.
My husband needed one here in San Diego, and it was 3 weeks.
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Old 01-20-2015, 01:50 PM   #8
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Interesting. We didn't call to see if we needed an appt as it didn't occur to us to do so. The office is about five miles away and we just went; they did ask if we had an appointment when we signed in but it wasn't a problem that we didn't.
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Old 01-20-2015, 01:51 PM   #9
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We did everything online and by mail.
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Old 01-20-2015, 01:57 PM   #10
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We did everything online and by mail.
That is what I plan to do, but DH likes to ask a lot of questions (all of which I probably could have answered for him, and certainly could have been answered on the SS website). He did sign up for Medicare online a year earlier. After stopping in at the SS office to ask the nice people there how to do it. I think some of the agents deal with dropins like him.
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Old 01-20-2015, 03:26 PM   #11
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We did everything online and by mail.
What has to be mailed? I thought it could all be done online. I'm looking at doing this spring of 2016 or a bit later.
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Old 01-20-2015, 03:31 PM   #12
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Walt, both DW and I signed up online. I then was asked to send a copy of my DD214 to show proof of military service. I think DW and I both had to mail a form telling SS how much we wanted to have withheld for income taxes. But heck, it has been seven years, so I may not remember all the details.
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Old 01-20-2015, 03:36 PM   #13
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Walt, both DW and I signed up online. I then was asked to send a copy of my DD214 to show proof of military service. I think DW and I both had to mail a form telling SS how much we wanted to have withheld for income taxes. But heck, it has been seven years, so I may not remember all the details.
Ah, thanks. There is a SS office just a few miles from here so I may just drop in one day and if the wait isn't too long I'll ask. Or just call. This isn't exactly a major metropolitan area so they probably aren't all that busy. But if it's going to take months to get an appointment I want to know that well beforehand.
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Old 01-20-2015, 03:36 PM   #14
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We had one small complication that generated the appt. My wife was applying on my earnings record, I was applying then deferring. My understanding is she could have done it online if she had been looking for benefits based on her own earnings.
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Old 01-20-2015, 04:42 PM   #15
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Quote:
Originally Posted by Bestwifeever View Post
DH applied on 12/15 shortly after turning FRA. His first deposit is supposed to land in our bank tomorrow, 1/21.

See here for when your deposit would be made based on your birthday: http://www.ssa.gov/pubs/EN-05-10031.pdf

He went down to the SS office to apply as he likes to ask lots of questions face to face.
The payment calendar linked to in the above post is the answer to the question originally posed in this thread. They don't ask what day of the month you want to be paid; they just pay you according to that calendar, AFAIK. That said, you can apply a month or two early and tell them you don't want to get this started until June or whenever.

I applied online, and had some nice conversations with a wonderful SS employee in the state of Washington (whose name and number were sent to me immediately in a packet of information and forms resulting from my online application). She answered my questions and I mailed her several documents that were necessary. In my case this was the easiest bureaucracy to deal with that I have ever encountered.
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Old 01-20-2015, 04:44 PM   #16
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With one exception, we have done everything online with no issues or timing problems. The exception was our request for reconsideration on the Medicare Part B surcharge where the SS web site directs you to visit a local office. I didn't think about needing an appointment so just showed up and only had about a 5 - 10 minute wait. I was amazed that the smallesh local office had 18 customer service booths.
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Old 01-20-2015, 11:48 PM   #17
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With one exception, we have done everything online with no issues or timing problems. The exception was our request for reconsideration on the Medicare Part B surcharge where the SS web site directs you to visit a local office. I didn't think about needing an appointment so just showed up and only had about a 5 - 10 minute wait. I was amazed that the smallesh local office had 18 customer service booths.

+1. This is what DH had to do for the Medicare surcharge. I went with him and it was a surprisingly pleasant experience. They act like they genuinely want to give you your hard-earned money.


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Old 01-21-2015, 08:53 AM   #18
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my wife signed up in november and they said her first check would be feb, 25, 2015. I see some people say they pay one month in arrears, does that mean she will get a double check the first time? she came of age in dec, 2014.
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Old 01-21-2015, 09:00 AM   #19
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I see some people say they pay one month in arrears, does that mean she will get a double check the first time? she came of age in dec, 2014.
No. As someone who also became eligible for SS in the month of Dec (several years ago), I received my first payment in February.

The SS payment rules are cleverly designed to say an individual is eligible to collect SS the month following their birthday, paid according to the schedule linked above. Her first check/deposit will be in Feb and there will be no double payment.
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Old 01-21-2015, 09:53 AM   #20
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Reporting in that DH's first SS deposit is in the bank. He turned FRA on 12/14, filed in person at the local office on 12/15, and first check is here on 1/21, the third Wednesday.

Maybe there is some algorithm about when the birthdate falls in the month and if the filing date is before or after the payment date in the filing month.
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