How to Apply for Social Security Benefits

Simple guidance for applying for Social Security.

HOW TO APPLY FOR SOCIAL SECURITY:

Applying for Social Security benefits is a straightforward process. You can apply for Social Security online, over the phone, or in person at a local Social Security office. Here’s a step-by-step guide on how to apply for Social Security and get started with your benefits:

1. Determine Your Eligibility
   Before you apply, it’s important to understand if you qualify for Social Security benefits such as retirement, disability, spousal, survivor, or Supplemental Security Income (SSI).
• You can apply for Social Security retirement benefits if you are at least 62 years old.
• You may also be eligible for Social Security disability benefits, spousal benefits, or survivor benefits, depending on your situation.
• SSI and disability applications may require additional medical and financial documentation.
• It’s recommended to apply for Social Security at least four months before you want your benefits to start.
• You can delay retirement benefits up to age 70 to receive a higher monthly payment.
2. Gather Required Information
   Before you begin your Social Security application, make sure you have the necessary information and documentation ready to avoid delays. Documents and Information Needed:
• Your Social Security number
• Your Birth Certificate
• Marital status and spouse’s information (if applicable)
• Proof of U.S. citizenship or legal immigration status
• Recent W-2 forms or self-employment tax returns
• Bank account details for direct deposit of your Social Security benefits
3. Apply for Social Security Online
   The fastest and most convenient way to apply is through the Social Security Administration’s official website.  You will need to create a My Social Security account to access the application portal. Once logged in, follow the step-by-step prompts to complete your online application for retirement, disability, or spousal benefits.
4. Apply for Social Security by Phone
   You can call the Social Security Administration at 1-800-772-1213 and speak with a representative to learn more about the application process and get assistance. Representatives are available between 8:00 a.m. to 7:00 p.m. local time, Monday through Friday.
5. Apply for Social Security in Person
   You can schedule an appointment at your local Social Security office. Use the SSA Office Locator to find the nearest location. You will need to bring the required documentation listed above. Applying in person can be helpful if you need assistance with the process or have complex questions about your retirement, disability, or SSI benefits.