I'll turn 70 in about 4 months. I just got a letter from the SSA saying
What You Should Do: You should contact us right away to apply for your retirement benefits. You need to complete an application ... You can apply at www.socialsecurity.gov/retireonline
Is this an attempt by the SSA to trick me into applying early? My thought is I should wait until after turning 70, to get a slightly higher payment.