My old man turns 62 on sept 4 and is eligible for early SS benefits then. SS lets you apply 3 months before you turn 62 and the fossil did that figuring he'll then get his $900 benefit starting that day sept 4. But no -- SS just told him his $900 will be deposited in his bank account the second wednesday of each month starting in NOVEMBER!!! So he's being screwed out of $1800. Look for near-bankrupt SS to expand this and in 5 years they'll make you wait 6 months till after you're eligible.