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How and When Can You Apply for Social Security?
Date Updated: July 26, 2024
Written by:
With over a decade of dedicated experience, Andrea Miller boasts an extensive background in healthcare writing and editing. Her expertise spans various facets of the healthcare industry, with a particular focus on nursing, senior care, Alzheimer’s disease, and public health. Andrea has also contributed her editorial talents to reputable publishers in the Philadelphia region, complementing her extensive freelance work.
You can apply for Social Security when you reach the minimum retirement age of 62. If you can’t work because of a disability, you can apply for Social Security benefits as long as you’re at least 18 years old. Otherwise, a parent or guardian can apply for you. To claim benefits as the spouse or dependent of a deceased worker, you can apply as soon as you have the necessary paperwork, such as an official death certificate.
The Social Security Administration has a secure website where you can apply for benefits. If you prefer to apply in person or on the phone, call the SSA at 1-800-772-1213 to schedule an appointment. The toll-free number is available in several languages, Monday through Friday, from 8 a.m. to 7 p.m.
Should you wait to apply for Social Security?
If you can still work and aren’t ready to retire at age 62, you can wait to apply for your Social Security benefits. However, you’ll receive more money each month if you wait until the full retirement age, which is between 62 and 65 for most people. Delaying your application until age 70 maximizes your Social Security payments.
If you become disabled and can’t work, you should start the Social Security application process immediately. It can take a few months until you begin receiving benefit payments.