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  1. This page will guide you through the process of applying for retirement benefits when you’re ready to take that step. Our online application is a convenient way to apply on your own schedule, without an appointment. You can also apply by phone or by appointment at a Social Security office.

  2. Benefits. Retirement You worked and paid Social Security taxes. Family Your current or ex-spouse worked and paid Social Security taxes. Disability You have a condition and expect it to affect your ability to work for a year or more or will result in death.

  3. The Social Security Retirement benefit is a monthly check that replaces part of your income when you reduce your hours or stop working altogether. It may not replace all your income so it's best to identify other ways to pay for your monthly expenses as you age. Learn how to apply.

  4. You can apply for retirement benefits up to 4 months before you want to start receiving your benefits. Even if you are not ready to retire, you still should sign up for Medicare 3 months before your 65th birthday.

  5. You can apply online for Retirement or spouse's benefits or continue an application you already started. You must be at least 61 years and 9 months old and want your benefits to start no more than four months in the future.

  6. Retirement Online Services. My Social Security Retirement Estimate Get personalized retirement benefit estimates based on your actual earnings history. Apply For Retirement Benefits Our online retirement application lets you apply for retirement in as little as 15 minutes.

  7. You will need proof of identification and other documents to apply for retirement benefits. If you can’t find all of your documents, you should still apply to avoid losing benefits you may be due.

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