The mail is about to get loud. Almost none of it is urgent.

From about a year out you'll start getting envelopes designed to look official, all of them wanting you to call a number today. There is one deadline that genuinely matters, and it opens three months before the month you turn 65. Tell me when that is and I'll write when it's real.

When do you turn 65?

The month and the year. I don't need the day, and I don't ask for it.

Month you were born

Year you were born

I was born on the first of the monthIt moves everything a month earlier, and it catches people out.

Choose a month and year and I'll show you the exact months I'd write in, before you give me anything.

Where should I send them?

Your email

Your first nameOptional

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