Learn About Social Security Application Steps

Understanding Social Security and When You Can Claim Benefits

Social Security is a federal insurance program that provides monthly payments to workers who have paid into the system, as well as their families and dependents. The program began in 1935 and currently serves more than 67 million people in the United States. To receive Social Security retirement benefits, you must have worked and paid Social Security taxes for a minimum number of years—typically 10 years or 40 work credits.

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The age at which you can claim benefits varies depending on when you were born. If you were born in 1943 or later, your "full retirement age" ranges from 66 to 67. However, you may claim benefits as early as age 62, though this results in a permanently reduced monthly payment. Conversely, if you delay claiming until after your full retirement age, your monthly benefit amount increases by approximately 8% for each year you wait, up until age 70.

Social Security also provides benefits to family members and dependents, including spouses, ex-spouses (if the marriage lasted at least 10 years), children under 19 (or 19 if still in high school), and disabled adult children. Additionally, if you become disabled before reaching retirement age, you may be able to receive Social Security Disability Insurance (SSDI) benefits. Surviving family members of deceased workers may also receive survivor benefits.

Understanding these basic rules helps you plan when to claim and what benefits may be available to you. Your specific situation depends on your age, work history, family status, and health considerations. Taking time to learn how the program works can help you make informed decisions about your financial future.

Practical Takeaway: Before taking any steps, determine your full retirement age based on your birth year and consider whether you might be eligible for benefits beyond retirement benefits, such as disability or family benefits.

Creating Your My Social Security Account Online

The Social Security Administration offers an online portal called "My Social Security" that allows you to access your Social Security information from your computer or mobile device. This account is your gateway to viewing your earnings record, requesting benefit verification letters, and understanding your Social Security statement.

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To create a My Social Security account, you will need to visit ssa.gov and click on the "Create an account" option. The process requires you to provide personal information including your Social Security number, date of birth, email address, and a phone number. You will also need to create a username and password that meet certain security requirements—typically including a mix of letters, numbers, and special characters.

Once you have entered your basic information, the Social Security Administration will verify your identity using questions based on your credit history and background information. This verification step is designed to protect your account from unauthorized access. The system may ask questions such as the amount of a previous auto loan payment, the name of a creditor, or details about financial accounts you have had. Answer these questions carefully, as providing incorrect information will prevent your account from being created.

After successfully creating your account, you will be able to log in and access your Social Security statement, which shows your estimated benefits at different ages, your earnings history, and any credits you have earned. You can view this information at any time. The account also allows you to request a benefit verification letter, which some employers or financial institutions may require.

Practical Takeaway: Set up your My Social Security account well before you plan to claim benefits. This gives you time to review your earnings record for accuracy and address any errors with the Social Security Administration before submitting a claim.

Reviewing Your Earnings Record and Correcting Errors

Your Social Security benefit amount is calculated based on your earnings history. The Social Security Administration uses your 35 highest-earning years to determine your benefit amount. For this reason, it is important to verify that your earnings record is accurate and complete. Errors in your earnings record could result in a lower benefit payment than you should receive.

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When you access your My Social Security account, you can view a detailed earnings record showing how much you earned in each year since you started working. The record displays your wages that were subject to Social Security taxes. Review each year carefully to ensure that all your employment is listed and that the amounts are correct.

If you notice a discrepancy—such as missing years of employment, wages that seem too low, or employment you do not recognize—you should take steps to correct it. Common reasons for errors include employers reporting wages under the wrong Social Security number, name changes not being properly recorded, or clerical mistakes in wage reports. You have a limited window to correct these errors, typically three years, three months, and 15 days from the end of the year the wages were earned, though in some cases you may be able to correct older records.

To correct an error, gather documentation such as W-2 forms, tax returns, pay stubs, or other records showing what you actually earned. Contact the Social Security Administration with this documentation. You can reach them by phone at 1-800-772-1213 (TTY 1-800-325-0778), by visiting a local Social Security office, or by mailing your request to the Social Security Administration at P.O. Box 17768, Baltimore, MD 21235-7768.

Practical Takeaway: Review your earnings record at least once every few years, and especially if you are nearing retirement age. Correcting errors before you claim will ensure you receive the correct benefit amount for the rest of your life.

Understanding Your Social Security Statement and Benefit Estimates

Your Social Security statement provides three important pieces of information: your estimated retirement benefits, your estimated disability benefits, and your estimated survivor benefits. These estimates are based on your current earnings record and assume you will continue to work and earn similar income until the age shown in the estimate.

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For retirement benefits, your statement shows estimated monthly payments at three different ages: at age 62 (the earliest age you can claim), at your full retirement age (which varies by birth year), and at age 70 (the latest age to claim and receive the highest benefit). As of 2024, the average retirement benefit is approximately $1,907 per month, though this varies significantly based on individual earnings history.

It is important to understand that these estimates are not guarantees. They are projections based on current law and your current earnings record. Several factors could affect your actual benefit amount, including changes to Social Security law (which would require Congressional action), continued changes to your earnings record, and your life expectancy. The statement will also note if you are not yet insured for any of these benefits, meaning you have not yet earned enough work credits.

Your statement also includes information about your work credits. You earn one work credit for every $1,730 in wages or self-employment income in 2024 (this amount adjusts annually). You can earn a maximum of four credits per year. To receive retirement benefits, you typically need 40 credits total, which means you must have worked for approximately 10 years over your lifetime. For disability and survivor benefits, the number of credits required may be lower depending on your age.

Additionally, your statement includes contact information for questions and a summary of your work history. Review this carefully to ensure it matches your records. If you notice that work history is missing or inaccurate, address it immediately using the steps described in the previous section.

Practical Takeaway: Use your statement to explore different claiming ages and see how your benefit amount changes. Consider which age makes the most sense based on your health, financial needs, and family situation. Running these numbers several years before retirement helps you plan ahead.

Steps for Submitting Your Claim

When you are ready to begin receiving Social Security benefits, you must submit a claim to the Social Security Administration. The process has become streamlined in recent years, with multiple options available to suit different preferences and circumstances.

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The first option is to submit your claim online through your My Social Security account. If you have already created an account, you can log in and look for the option to begin your claim. The online process typically takes 15 to 20 minutes and walks you through a series of questions about your personal information, work history, and family situation. Once you submit an online claim, you will receive a confirmation number and can check the status of your claim through your account.

The second option is to call the Social Security Administration at 1-800-772-1213. Representatives are available Monday through Friday, 7 a.m. to 7 p.m. local time. You can speak