I turned 65 last fall and have pretty much decided I will get it started sometime this year. Is income looked at for the whole year, after you sign up or after receiving your first check? After finally getting a good phone number for the local office I find out getting in there for a visit isn't going to happen. More questions but will just go one at a time as this post progresses. Yes I know I can sign up on line and will when the time comes.