Benefits
How to apply for Social Security retirement benefits
Social Security retirement benefits are available as early as age 62, with full benefits at your full retirement age and increased benefits if you wait until age 70. You can apply online in about 15 minutes.
Last reviewed: June 5, 2026
What you will need
- ✓Social Security number
- ✓Birth certificate or other proof of age
- ✓Proof of U.S. citizenship or lawful immigration status
- ✓W-2 forms or self-employment tax returns for the previous year
- ✓Military discharge papers (if applicable)
- ✓Bank account information for direct deposit
Steps
Decide when to start benefits
This is the most consequential decision in the process. You can begin as early as 62, but benefits are permanently reduced. Full benefits are available at your Full Retirement Age (66–67 depending on birth year). Waiting until 70 increases your benefit by 8% per year beyond your full retirement age.
Tip: There is no universal right answer. If you are in good health and have other income, waiting often results in significantly more lifetime income.
Gather your information
You do not need to bring original documents to apply online, but have these ready to reference.
Apply online, by phone, or in person
The SSA recommends applying online at ssa.gov — it takes 15–30 minutes and you can save your progress and return later. You can also call 1-800-772-1213 or visit your local SSA office.
Tip: Apply 4 months before you want benefits to begin. Benefits cannot be paid retroactively beyond 6 months.
Await a decision
The SSA will review your application and mail a decision letter. If approved, you will receive your first payment within 1–3 months of your requested start date.
Set up direct deposit
Payments are made by direct deposit only. Provide your bank routing and account number during the application or set it up separately through your My Social Security account.