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Howard Kossover: Apply now to start getting your SSA benefits in January

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Q: I want my Social Security retirement to start for January. When should I complete my application?

A: Now is a good time. Use the SSA Retirement Planner tools at www.socialsecurity.gov/retire2/ and then complete the online application or call the SSA national number, 1-800-772-1213 (TTY 1-800-325-0778), for an appointment.

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