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I want my SS retirement check in 1/1 2015.. when should i apply for Social Security retirement benefits?

social_security_personQ) i am currently working.. will retire October 31,2014.. i want my SS retirement check in January 2015.. when should i apply for Social Security retirement benefits? i do not want to pay a penaly for this year..

A) According to Social Security Administration – You must be at least 61 years and 9 months old to apply for retirement benefits.
If you are already age 62, you may be able to start your benefits in the month you apply.
You should apply for benefits no more than four months before the date you want your benefits to start.
Benefits are paid the month after they are due. (If your benefits start in April, you will receive your first benefit payment in May.)
If you are not getting Social Security and you are not ready to retire, you should still use our online retirement benefit application to sign up for just Medicare three months before your 65th birthday.

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