How to Apply for Social Security Retirement Benefits

Check Your Eligibility You must be at least 62 years old to apply, but full benefits depend on your full retirement age (FRA) (66–67, depending on birth year).

Gather Required Documents Prepare your Social Security number, birth certificate, W-2 forms or tax returns, and bank details for direct deposit.

Choose Your Application Method You can apply online at SSA.gov, by phone at 1-800-772-1213, or in person at your local Social Security office.

Complete the Application Fill out the required forms with accurate information about work history, income, and dependents (if applicable).

Receive Your Benefits Once approved, you will receive monthly payments based on your earnings history. Payments typically start within 1-2 months after approval.

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