What are the ways to apply?
There are three paths, and they lead to the same place.
- Online at ssa.gov's retirement application is the fastest for most people.
- By phone at 1-800-772-1213 (TTY 1-800-325-0778), Monday through Friday (ssa.gov).
- In person at a field office. You can find your local Social Security office in this directory.
Pick whichever fits your situation. Online works well if you can gather your own records. A call or a visit helps if you have questions or a complex case.
Can I apply for Social Security online?
Yes. The Social Security Administration lets you file a retirement claim online, and it takes about 15 minutes for many people (ssa.gov). You can start, save your work, and come back later. You will need a personal my Social Security account to sign in.
To apply online you should be at least 61 years and 9 months old and want benefits to start in the next four months (ssa.gov).
What documents do I need to apply?
Have these ready. Some may not apply to you.
- Your Social Security number.
- Your birth certificate or other proof of your date of birth.
- Proof of U.S. citizenship or lawful immigration status if you were not born in the United States.
- Your U.S. military discharge papers if you served before 1968.
- Your W-2 forms or self-employment tax return for last year.
- Bank details for direct deposit.
This list comes from the Social Security Administration's checklist (ssa.gov). The agency usually accepts originals or copies certified by the issuing office, not photocopies you make yourself. You can get a checklist of what to bring before you file.
How far in advance should I apply?
Apply up to four months before the month you want your benefits to start (ssa.gov). You do not need to wait until your birthday. Filing early in that window gives time to sort out any missing records so your first payment is not delayed.
Do I need an appointment to apply at an office?
You do not have to visit an office at all, since online and phone filing exist. If you do want in-person help, the Social Security Administration asks that you call ahead to schedule an appointment before you go (ssa.gov). Call 1-800-772-1213 or your local office. Walk-in service is limited, so an appointment saves you a long wait.
For more background, see more on claiming Social Security.
Frequently asked questions
How do I apply for Social Security retirement benefits?
Apply online at ssa.gov, by phone at 1-800-772-1213, or in person at a field office. You can begin as early as age 62.
Can I apply for Social Security online?
Yes. The online retirement application takes about 15 minutes for many people. You need a my Social Security account and should be at least 61 years and 9 months old.
What documents do I need to apply?
Your Social Security number, proof of birth, proof of citizenship or lawful status if needed, last year's W-2 or self-employment return, military discharge papers if you served before 1968, and bank details.
How far in advance should I apply before I want benefits to start?
The Social Security Administration suggests applying up to four months before the month you want payments to begin.
Do I need an appointment to apply at an office?
You are not required to visit an office. If you choose to, call ahead to schedule an appointment, because walk-in service is limited.