Americans can apply for Social Security retirement benefits at the age of 62. But should you wait until age 62 to apply for these monthly payments in the United States?
Of course, you can postpone the submission of documents for Social security up to 70. This way you can get much more. It is true that you will have to work for another 8 years.
Anyway, when you are sure you want to submit for Social security, you don’t have to wait until the last minute to apply. This is the time when the administration recommends submitting monthly payments.
SOCIAL SECURITY ALLOWS SENIORS TO APPLY BEFORE THEY WANT TO RECEIVE BENEFITS
According to the administration, you can apply for pension payments up to 4 months before you actually want to start receiving your benefits. Do not visit Social security filing office though.
Social Security recommends using the online application tool. They claim it will be the fastest, easiest and most convenient way to apply for pension benefits.
First of all, you will need to have my social security account. If you don’t have one yet, start by creating one. Once you have a my SSA account, log in and begin the application process.
Sometimes the administration cannot process your pension benefits online. If so, they will inform you. You will then need to call them and make an appointment.
HOW CAN I APPLY FOR PENSION BENEFITS IF I AM ABROAD?
There are many Americans who live outside the United States. If you are in this situation, you better visit their website at
There you will find the office closest to you. Seniors living in the United States who do not know how to apply online can also apply by phone Social security.
Their phone number is 1-800-772-1213 (TTY 1-800-325-0778). Remember, you can only do it Monday through Friday. They don’t work all day either. Make sure you call them from 8am to 7pm
If you don’t like using the internet or the phone, just visit your local one Social security office. Be sure to get your annual statement to see possible future amounts. Submitting early means getting less money. So be wise and submit when you can afford it. Average payments are just $1,907 in 2024.