To apply for Social Security benefits at age 62 (or any eligible age), follow these steps:
When to Apply
- You can apply for retirement benefits any time between ages 62 and 70.
- It is recommended to apply about 3-4 months before you want your benefits to start, as processing can take some time
How to Apply
You have several options to submit your application:
- Online: The easiest and most convenient method is to apply online via the Social Security Administration (SSA) website. You will need to create or sign in to your free my Social Security account to start the application. The online process typically takes 10 to 30 minutes and you can save your progress as you go
- By Phone: Call the SSA toll-free at 1-800-772-1213 (TTY 1-800-325-0778) to schedule an appointment to apply by phone or in person. The representative will guide you on the next steps
- In Person: You can make an appointment to visit your local Social Security office to apply with assistance. Appointments are scheduled by calling the SSA number above
What You Need to Apply
Prepare the following documents and information before applying:
- Your Social Security number
- Proof of age (e.g., birth certificate)
- Employment history for the last 5 years (employers’ names, dates, pay rates)
- Bank account details for direct deposit
- Information about your spouse or former spouse if applying for spousal benefits (Social Security number, birth date, marriage/divorce details)
- Any other documents related to government employment or non-covered work, if applicable
Important Considerations
- Starting benefits at age 62 means your monthly payments will be reduced compared to waiting until full retirement age or later
- You can manage your benefits and check application status through your my Social Security account after applying
- If your application triggers fraud prevention checks, you may be required to verify your identity in person
By following these steps and preparing your information ahead of time, you can smoothly apply for Social Security retirement benefits at age 62 or whenever you choose to start receiving them
