To apply for Social Security benefits, you have three main options:
- Online: The easiest and most convenient way is to apply online through the Social Security Administration (SSA) website by creating or signing into your personal "my Social Security" account. You can start your application up to 4 months before you want your benefits to begin. During the process, you will provide personal information such as your birth date, employment history, military service, and banking details for direct deposit. You may also need to submit documents like your Social Security card, birth certificate, proof of citizenship or lawful status, and tax forms. If the SSA cannot process your application online, they will guide you on the next steps
- By Phone: You can call the SSA toll-free at 1-800-772-1213 (TTY 1-800-325-0778) Monday through Friday, 8 a.m. to 7 p.m. local time, to apply over the phone
- In Person: Visit your local Social Security office to apply in person. It is recommended to call ahead and make an appointment to avoid long wait times
If you live outside the United States, you should contact the nearest U.S. Social Security office, embassy, or consulate for assistance with your application
. Information and documents you will need to provide include:
- Your Social Security number and birth information
- Marital history and information about your spouse(s) and children
- Employment and self-employment details for the past two years
- Military service records if applicable
- Bank routing and account numbers for direct deposit
- Proof of U.S. citizenship or lawful alien status
- Tax forms such as W-2s or self-employment tax returns from the previous year
Applying early helps ensure timely processing and benefits receipt. You can apply for retirement benefits starting at age 62, but waiting longer may increase your monthly payments
