What You Should Know About Applying For Retirement

" "Approaching and preparing for retirement can be a daunting task, but we are here to make it as easy as possible. Social Security has eliminated the forms, signatures, wait time, and appointments. We made it easy, convenient and secure. You can complete our online retirement application in as little as 15 minutes from your preferred location, at a time most convenient for you.

Before you apply, you should think about things like how you’ll receive benefits, your health, and whether anyone else in your family can get benefits on your record. Let’s go over the basics together, just to make sure you’re on the right track for retirement, when the time comes.

The age you choose to retire affects the amount of benefits you receive and when you can start receiving them. If you start them any time before your full retirement age, we’ll reduce your monthly benefit. Depending on your year of birth, your full retirement age is likely between age 66 and 67. You may start receiving benefits as early as age 62 or as late as age 70.

If you elect to receive benefits before you reach full retirement age, and continue to work, it can affect your benefits. Social Security has an awesome tool called the Retirement Estimator that calculates a personal estimate of how much your benefit will be at different ages and “stop work” dates. You can use it to find the best combination for your situation.

You can read about other things to consider before you make your decision about when to begin your benefits. If you’re ready to apply, you can do it online. It’s easy, convenient, and secure!


76 thoughts on “What You Should Know About Applying For Retirement

  1. I recently applied for my retirement benefits and I was contacted by phone.. I did not get to talk to the caller but will be calling in on Monday to her extension.. What are some of the possible reasons I would need to speak to someone about my application? My husband never had to talk to anyone.. thanks..

    • Hi, Rebecca. For your security, we do not have access to private information in this venue. We ask that members in our Blog community work with our offices with specific questions. You can call us at 1-800-772-1213, Monday through Friday, between 7:00 a.m. and 7:00 p.m., for assistance. Please be aware that our call wait times are longer than normal. You can also contact your local Social Security office. Look for the general inquiry telephone number under Show Additional Office Information. We hope this helps.

  2. I registered my information with SSA. I am finding the actual place to identify the date I will plan on retiring, letting someone know and how to notify someone that I wish to start receiving my SSI monthy paycheck after a specific date. I think it’s great you have such an enormous website but there is also navigating that I am finding very difficult. I registered now how do I notify someone about my retirement start date? I would like to start at the end of August this year.

  3. I have been trying since November 2019 to get my social Security retirement benefit and coronavirus has interrupted all of this. My benefits are supposed to start in August 2020 and to this day I have not sorted a single thing out with Social Security. I have called SSA endlessly and been on hold for hours i’ll need to have a number of people tell me something different at every turn. I’ve written emails and I have not gotten any assistance whatsoever. I’m extremely upset about this and very let down. Certainly I understand what coronavirus has done to the world but good lord I’ve tried everything to get my retirement benefit sorted out and I really need your help. Thank you.

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