If you are nearing retirement, you are probably wondering when to file for social security to receive retirement benefits. Concisely, the best time to file is two to three months before your retirement date, to avoid a long gap between your last day of work and the first check you receive. However, your age also plays a part in determining the best time to file. While you can file at age 62, your overall monthly payment will be reduced in comparison to the amount you might receive if you can wait until your full retirement age, usually between 65 and 67. Your monthly payment is determined by how much you earned during your working years. This is expressed in