How to File for Social Security Retirement

If you have been a gainfully employed worker for most of your life, you have paid into the Social Security system over the years. This entitles you to be able to apply for and receive Social Security benefits, when you decide to retire. There are certain steps it will be necessary for you to take to start the process, so knowing what to do and where to go will help you to make a smoother transition.

Things You'll Need

• Certified documentation of all required paperwork

Instructions

1. Go directly to the Social Security Administration office in your local area and speak face-to-face with a representative or counselor. He will provide you with the appropriate forms to fill out and let you know what else is required. It would help to expedite matters if you bring paperwork to prove that you are qualified to apply for benefits. These include your Social Security card, your W-2 forms from the previous tax year, your birth certificate and/or driver's license to validate that you are a U.S. citizen and are at least age 62--the minimum age you can apply for benefits, a record of your work history and your bank account information, so that your monthly benefits can be direct-deposited into your account.

2. Apply for Social Security retirement benefits online at their official website. Once you have registered and submitted your application, you can come back as often as you would like to check your application status. The online site also provides an estimator, which shows how much your benefits will be, based upon year age, your earnings and the number of years you worked. The site also offers answers to frequently asked questions Social Security applicants may have, as well as any important updates.

3. Call the toll-free telephone number for the Social Security Administration, which is 1-800-772-1213, where you can speak directly to a representative who can explain the application process to you in detail and direct you on how to get started. Be aware, however, that telephone reps will most likely refer you to the nearest Social Security Administration office nearest you. They can supply you with general information.

4. Make certain that any documentation you provide to the Social Security Administration is certified, as they do not accept copies, to avoid the risk of fraud.

5. Submit your application for Social Security benefits 3 to 6 months before the age you desire to retire. It can be a long process and waiting until the last minute may mean that you will not have your benefits at the time you stop work. A 3- to 6-month waiting period ensures that there will be enough time for everything to go through, so that, when you retire, you can begin getting your benefits immediately. If you have not made any progress within a month-and-a-half following submission of your application, it is advisable that you go to your local Social Administration office to speak to a rep or counselor.

Tips & Warnings

• Always be sure to report any additional income you earn after retirement, if you are receiving Social Security benefits.

Resources

• Social Security Administration Online