Its amazing, I just received my first Social Security payment credited to my banking account. Aug. 31, 2018 was my last day of full time employment, I have officially retired. I began the process of applying nearly 4 months ahead of time, then monitored the process through the My Account with SS. It got kind of close to my last day of work before I received notice from SS when my first payment was scheduled. If a rep. from SS doesn’t call you, it usually means they have no questions or need more information. But knowing the inefficiency of our government agencies, I kept a close eye on this, and to my surprise it all went off without a hitch. It really does work, the way it is supposed to. However, thank heavens I have a pension in addition to SS.
I am not boasting about this, just wanted those that will be retiring soon to know, the SS system does work (if you apply correctly, but you can always give them a call to find out).