The easiest and most convenient way to apply for your Social Security benefits is to do it yourself online at SocialSecurity.gov. It usually takes around 15 minutes to complete the application, as long as you’ve gathered all of the required information and documentation (more on that at the bottom of the column). You can also save your application as you go, so you can take a break at any time.
If your situation is complicated or you’re uncomfortable using the Internet to apply, you can have a Social Security employee assist with the process via telephone. To make an appointment call 800-772-1213. (If you’re hearing impaired, you can call 800-325-0778.) The phones are monitored Monday through Friday, 7 a.m. to 7 p.m. At the time of your appointment, the representative will call you.
If you start to complete the online application form but find that it’s too confusing or complicated, call the agency and set up a phone appointment.
Once you have submitted your application, a representative may contact you with updates or questions about your application. You can also check the status of your application by signing in to your “my Social Security” account at SSA.gov/myaccount.
You should file one or two months before you want benefits to begin, but if you’re the worrying type, you can do it up to three or four months before. It takes a little time to process the paperwork, so by putting in your application a few months early, you can fix any problems that come up without it interfering with your starting date.
It’s also worth noting that if you start receiving your Social Security retirement benefits before age 65, you will automatically be enrolled in Medicare Part A and Part B, and you’ll receive your Medicare card about three months before your 65th birthday. It will include instructions to return it if you have work coverage that qualifies you for late enrollment.
But if you decide to delay your retirement benefits, you’ll need to sign up just for Medicare at age 65, which you can also do at SocialSecurity.gov or over the phone at 800-772-1213.
In order to apply for Social Security benefits online or over the phone, you’ll need to be able to document some information about your identity and work history. So before applying, have the following information handy:
For a complete checklist of what you’ll need to complete your application, see SSA.gov/hlp/isba/10/isba-checklist.pdf.
Send your senior questions to Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org.
Originally published August 21, 2023