Seniors

I signed up at 62 and it was trouble free.
UNTIL.
I work, and plan to continue to work for as long as I can (although I'm in my second month of quarantine right now).
I turned 62 in October of that year, and I received checks for November and December that year. 5 and a half years ago.
Everything fine.
UNTIL.

6 months ago, I received a letter from SSA, stating that in the year I applied, I made too much money. They said I had done nothing wrong. They also said they DEMAND IMMEDIATE REPAYMENT TO THEM OF OVER $3000! To cover my November and December checks that year.

So they wait 5 years to inform me of this. I had to make a deal with them, where they now take out $75 a month from my check until the "debt" is paid off. Because no way was I paying out $3000 cash to them!

So just be cautious if you're still working. There was no way I could have known in October how much money I was going to make for the year, I'm self employed, money comes when it comes, and sometimes doesn't come at all. They didn't care.

Still, even my reduced check is CRUCIAL to me, anyone who says get rid of Social Security is an Enemy of the People!