How To Apply for Social Security Benefits

Applying for Social Security benefits is a straightforward process. You can do it online, by phone, or in person at a Social Security office. Here are the steps:

1. Determine Eligibility - Before applying, ensure you meet the eligibility criteria:

Retirement Benefits: You can start as early as age 62, though full retirement age varies based on your birth year.
Disability Benefits: You must meet Social Security’s definition of disability.
Survivor Benefits: For spouses, children, or other eligible survivors of a deceased worker.

2. Gather Necessary Documents

You’ll need:

Your Social Security number.
Birth certificate or proof of birth.
Proof of U.S. citizenship or lawful alien status.
Military discharge papers (if applicable).
Tax forms like W-2 or self-employment tax returns for the past year.
Marriage or divorce documents (if applicable).

3. Apply Online

Visit the Social Security Administration website and:

Click on the benefit you want to apply for (retirement, disability, etc.).
Follow the guided application process.
Submit electronically.

Advantages:

Convenient and available 24/7.
Ability to save and complete later.

4. Apply by Phone or In Person

Phone: Call the Social Security Administration (SSA) at 1-800-772-1213 (TTY: 1-800-325-0778) between 8 a.m. and 7 p.m., Monday through Friday.
In-Person: Visit your local Social Security office. Find the nearest office using the SSA office locator.

5. Track Your Application

After applying, the SSA may contact you for additional information. You can check your application status online using your mySocialSecurity account.

6. Decision & Benefits

Once processed, you’ll receive a letter from the SSA with a decision. If approved, benefits typically begin within a month of your start date.