Q: I will be 65 in February 2012. I’m still working and plan to keep working until I’m 70. A friend told me that I have to register with the Social Security Administration three months before my 65th birthday even though I don’t plan to take my Social Security yet. Is this true?
A: There really is no such thing as “registering” with Social Security — at any age. You simply file for your retirement benefits a couple of months before you want them to begin. And in your case, it sounds like that’ll be about five years down the road.