3. You file an application. See Chapter 4 for a discussion of the filing rules, especially the limits on retroactivity. See Section 404.2 for more information.
Benefit Amount: 100% of the Primary Insurance Amount (PIA) at Full Retirement Age, reduced for age before Full Retirement Age. Benefits vary greatly depending on the work record. See Chapter 7 for a full discussion.
Termination: Entitlement ends with the month before the month of death. See Section 1009 for a discussion of the rules about payments at termination.