Social Security offers the possibility to collect retirement benefits at the age of 62. Undoubtedly, the more you have planned everything, the better. Not only should you save and invest, but you should also calculate when it is best to retire. This is fundamental.
Early retirement can reduce your monthly payment by 30% said Social Security. So, it is advisable to see the expenses you have and the money you will need in retirement.
Finding out how long can Social Security take to send you your first payment is wise. To avoid any delays, it is best to follow the following tips and receive your payment when you really want to.
How long can Social Security take to process my first retirement check?
Once you send your application, it can take up to three months to sort it out. Therefore, it is advisable to file for Social Security three months before you want your retirement benefits to begin.

For example, if you plan to start collecting retirement benefits on April 31, make sure you send your application by January 31. In this way, you will ensure the Administration will have enough time to send it on time.
What is more, there is another important thing to take into account regarding Social Security. Even if you can retire at 62, you can only get 100% of your benefits at Full Retirement Age.
Full Retirement Age is not the same for all Americans. If you were born after 1960, it will be when you turn 67. Those from 1956 will have their Full Retirement Age at 66 and 4 months. Or 66 and 6 months if born in 1957
When does the first payment arrive at Full Retirement Age?
If you file in time, you will receive your first Social Security retirement benefit in the month after you reach normal retirement age. Therefore, you will have to wait for one month once you reach 67, if born in 1960 or later.
For your information, Social Security pays retirement “benefits a month behind” claims AARP. Even if you turn 67 in May, you will receive your retirement payment in June.
Besides, your checks will arrive on a Wednesday. It could be the second, third, or fourth. For instance, the payment in December 2023 will be on the 13, 20, and 27.
Those whose birthday is from the 1st to the 10, get the money on the first payday. Then, those whose birthday is from the 11th to the 20th. If your birthdate is not any of those, you will cash it on the third payday.