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* * It is important to remind all people over the age of 62 to contact us before January about filing for benefits. Since there is no retroactivity, if “charge off” months are involved, they may have to file in January, even if they plan to stop working some months after January. Based on their estimate of earnings, we will be able to advise them exactly when they should file. All new applicants will be paid their benefit on the 2nd, 3rd, or 4th Wednesday of the month, depending on the number holder’s birthday. Social Security beneficiaries who retire abroad or who receive both Social Security