How to File for Social Security

To apply for Social Security benefits you need to show proof of age, citizenship and identity. The Social Security Administration's Web site has information online, including a list of offices near you.

Instructions

Difficulty: Moderately Easy

Things You’ll Need:

• Telephones
• Internet Access
• Pens
• Computers

1. Apply for Social Security benefits three months before you want to receive them.
2. Understand that you can begin to receive your benefits at age 62, but they will be paid at a reduced level until age 65.
3. Call the Social Security Administration at [phone] or visit your local office for an application.
4. Complete the application and ask office personnel for assistance if there is something you don't understand.
5. Take originals or a certfied copied of your Social Security card, birth certificate, W-2 form or self-employment tax return and proof of citizenship. If you apply by mail, you will need to mail these forms with your application. Ask for the return of any originals.
6. Take the name of your bank and account number with you so that your benefits can be directly deposited.

Tips & Warnings

• If you are under 65, you may earn up to $10,080 in wages or self-employment income without having to repay Social Security benefits you received. If you are over 65, there is no earnings limit.