Social Security: 101- First-Time Claims

Carla Christian

50plus Magazine

For most people, claiming Social Security retirement benefits for the first time is a big deal. And while we all reach this landmark event, few really know how the process works. Here’s what to expect when the time comes.

You can begin receiving benefits anytime between age 62 and 70, but be aware: the earlier you claim the lower they’ll be.

Once you’ve chosen your start date, it’s time to get the ball rolling. You can apply for benefits up to four months before you want to start receiving them.

The easiest way to apply is online. Create a mySocialSecurity account at ssa.gov, or log in if you already have one. You can create an account any time and use it to see what your SS benefit will be based on your start date.

Information needed to apply:

 • Name, date, and place of birth

 • Current or former spouse’s name, date of birth, and social security information; date and place of marriage, and death or divorce dates if applicable

 • Children’s names and dates of birth if they are: disabled and younger than 22, under age 18 and unmarried, or aged 18-19 and attending secondary school

 • US military service, including type of duty, branch, and service dates

 • Employer name and dates of employment for the past two years

 • Self-employment business type and net income for the past two years

 • Bank account number and routing number for direct deposit payments

If you need assistance or you can’t access the online site, you can also apply by phone or in person. Call 800-772-1213, Monday through Friday, 8 am to 7 pm. The SSA office will schedule a phone or in-person appointment.

Once you’ve applied, you’ll receive a letter during your selected start month confirming your benefits or indicating that more information is needed.

Your first payment will arrive the month after your chosen start month. For example, your October benefit will arrive in November, just like a paycheck.

Pssst, don’t forget Medicare. If you are already receiving Social Security benefits when you turn 65, you’ll automatically be enrolled in Medicare part A and B. If you delay receiving retirement benefits, you must sign up for Medicare three months before your 65th birthday.