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When should I apply for oldage insurance benefits under social security? Is a question frequently asked. This question cannot be answered without knowing all the facts in each case. Mr8. Hazel F. Daly, District Manager for Social Secu rity in Winchester, Va. states that many people do not apply for their social security bene fits at the most advantageous time because they fail to obtain the proper information. For most people, age 65 is a good time to think about applying for benefits. People no longer able to work, or who do not wish to continue working full time, may apply as early as age 62. Retirement benefits at age 62 are lower than they would be at age 65; but in most cases approximately 12 years would elapse before any financial loss would occur.
Age 65 can be the proper time for many people to apply for old-age insurance benefits. A substantial majority are no longer working full time after age 65 and, since their incomes are sharply reduced, they find that the social security checks help in paying their basic living expenses.
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