How to Apply for Social Security

Social Security Application Process

Social Security is administered by the Social Security Administration, known as SSA. It provides a source of income to retired persons and those who can’t go to work due to physical disability. Social Security comes with many other benefits.

In this article, we will discuss what social security is, how one can apply for social security, what documents are required, and everything that one might want to know about.

What is Social Security?

Social Security is defined as a source of income for retired persons. It gives financial benefits to those who have passed the age of 62. It is also provided to those who are unable to do physical tasks. The federal department manages it and gives financial freedom to retired citizens.

Applying for Social Security

There are multiple ways in which one can apply for social security. You can apply for social security four months before you reach the actual retirement age i.e. 62 years.

Those who have applied for social security and have reached 62 years of age will start receiving the benefits as per their rules. To apply for social security, the Social Security Administration has its official website.

Go to their official website and fill out the application form online when you create an account. New applicants will receive their first payment after reaching the required 62 years and 1 month as it lags a month.

If you are unfamiliar with the online procedure, you can even dial their official contact number, i.e., 800-772-1213, for guidance. After discussing your situation with the authorized person, you will be given an appointment to meet the local officer at your nearest local social security office for further discussion about the application process.

While applying for social security, one has to acquire all the documents and information in advance. Make sure that you have all the required documents in your hands before visiting your local Social Security location.

When to apply for Social Security

You will start receiving your Social Security benefits once you reach 62. However, if you want to receive higher benefits from the same, you can wait for a few years until you complete the full retirement age i.e. 67 years. Moreover, you can even earn larger benefits if you wait 70 years.

If you are asking about the time when you can first apply for social security, it is four months before you reach the age of 62 years. You will start receiving your first benefit after 62 years and one month. So, the earliest age to apply for social security is 61 years and nine months.

What documents do you need while applying for Social Security?

If we talk about the procedure, you must create your online account on SSA’s official portal. Create your Social Security Account at the MySocialSecurity portal.

While creating a new account, a registration form will be presented to you. You have to fill in the required details as per the form with the exact details shown in your official documents. You must keep the following information and documents handy when applying for Social Security Benefits.

  • Your mobile phone number
  • Credit Card details
  • Tax Forms
  • W-2’s

After creating an online account, start the application procedure to apply for Social Security benefits for yourself or your spouse. For that, you need to have the following documents and information.

Personal Information

In this section, you will be asked to give your personal information i.e. about you, such as your date of birth, your citizenship status, your birth certificate, authorization letter to work in the US.

About Your Spouse

Here, you will be asked to fill in your current and ex-spouse information. Their date of birth, social security numbers if they have any, places of marriage, and other information as per the application form.

About Your Kids

You will be asked to provide the information of your kids below 18. You have to give information about their school, etc. If your kids have disabilities before age 22, you have to give information about that, too.

Previous information about Social Security

If you have applied for Social Security in the past, you must give details about that application here. This additional information column will ask you to add information about Medicare or any other supplemental security income.

Bank Account Details

Make sure to add the details of your bank account where you will start receiving the benefits from the SSA.

Month of Benefit

When do you want Social Security Benefits to be credited to your account? Enter the month and year when you want to start receiving the benefits.

Your Work History

You will be asked about your previous work history, i.e., your employer, your earnings, any other benefits you might have received from the federal departments, your ability to work, etc. All such information is in their official portal, which you can visit.

Social Security Benefits: Frequently Asked Questions

What is the maximum social security benefit I can get from SSA?

If we talk about the present year, the total social security benefit one will get after completing full retirement age is $3,627 monthly. The full retirement age is 67 years.

What is the best time to collect social security benefits?

Social Security benefits can be collected once you reach 62 years of age. However, you must wait until you complete 67 years to get the largest benefit. If you can wait until 70, the benefits will be even higher. If you do not require money after 62 years, wait a few more years for more benefits.

Is there any rise in Social Security in the present year?

The Social Security benefits increased to 8.7% in the present year. This adds up to $146 per month. However, if we compare it with the yearly increase, it is the highest since 1981

Final Words:

Social Security Income is the key financial resource for all those who have retired. It is the only source of income to spend retiring years happily with no worry about the money. The amount received as Social Security Income can be spent on buying essential things. Make sure to collect all the information about Social Security to get the maximum benefits.

See Also

Financial Help for Seniors on Social Security

Life Insurance for Seniors

Grants for Senior Dental Implants

Medical Insurance for College Students

Social Security Disability Benefits Pay Chart

Current Version
August 10, 2023
Written By
Shubham Grover
August 13, 2023
Edited By
Andrea Morales G.

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