Close to Retirement? Get Ready to Submit Your Social Security Application Online
To cut costs, and in anticipation of the 80 million baby boomers who will be applying for Social Security retirement benefits in the next 20 years, the Social Security Administration is ramping up it’s website and online services.
If you haven’t been to www.socialsecurity.gov lately, you should stop by for a visit. In addition to a design makeover, the site is also more user-friendly with the top requested services listed right on the front page for easy access.
What Can You Do Online?
One of the services you’ll see is the ability to submit your Social Security Application online. While most people go to the SSA website to apply for retirement benefits, that’s not the only thing you can do right on the website. Here are just a few things you can do online at the Social Security website:
- Apply for Social Security retirement, spousal or disability benefits
- Request a replacement Social Security card
- Sign up for Medicare, or request help with your Medicare prescription drug costs
- Appeal a decision (if you were denied disability benefits, for example)
- Estimate your future retirement benefits with the Social Security calculator
- Change your address or telephone number
- Research popular baby names
- And much more…
Why Should You Submit Your Social Security Application Online?
If you’re one of the 10,000 baby boomers that are expected to retire each day between now and 2029, here are some reasons why you’ll want to submit your Social Security application online:
- The online retirement application can be completed in as little as 15 minutes,
- You can apply for benefits from the comfort of your own home, and
- No need to drive to your closest Social Security office or stand in a long line.
How to Apply for Social Security Benefits Online
You can submit your Social Security application online if you are at least 61 years and 9 months old and you live in the United States or one of it’s territories and you are not currently receiving benefits on your own record. You also must not have already applied for benefits already.
Note that the SSA cannot process your application if you file for benefits for more than four months in advance, so don’t apply until and want your benefits to start no later than 4 months in the future.
It’s also important to know that if you are within 4 months of reaching age 65, you will automatically be signed up for Medicare when you submit your Social Security application online.
To start your online application, simply go to www.socialsecurity.gov and click on “Apply for retirement benefits” (there are also links to apply for disability benefits and Medicare benefits if that’s your goal).
After you click on the Apply for Retirement button, you’ll be taken through a series of questions about yourself, your work and your family. The whole process takes about 15 minutes, and in most cases once you click submit you’re done (no need to mail in your application, the whole process is done online).
After you submit your Social Security application online, the SSA will review your application and contact you if more information is needed or if they need to see any documentation.
In addition to applying for benefits for yourself, you can also help a friend, family member or neighbor submit their Social Security application online, however for privacy purposes, you’ll need to complete an extra step or two. If your family member or neighbor is with you when you are applying for them, simply select the button on the first page that says ” I am helping someone who wants to apply for benefits and is with me.” If the person is not present, please select the button that says “I am helping someone who is not with me, and therefore cannot sign the application at this time.” In the latter case, you will need to print the application and have the person sign before mailing it in.
For more information on how to submit your Social Security application online, please visit the official Social Security website at www.socialsecurity.gov.
Al says
I know that social security averages your highest 35 years of work. Do they cap the earned amounts at the maximum social security withholding amount or do they use the actual earnings. For example if you made $500,000 a year for 35 years do they use that number divided by 35 for the benefit calculation or do they use the number that maxed out the earnings for social security as like $100,000 or so–the number that is the cap number and the extra $400,000. earned is not used in the calculation. The answer will help my decision to earn a greater amount than the cap for withholding or is money earned over that cap not really enter into the calculation for benefits.
kristine says
Al – thank you for your question. You are correct that Social Security uses your highest 35 years of earnings, but if you earn more than the maximum earnings, your benefit will be based on the maximum earnings for that year, not your actual earnings. So if you earned $500,000 in 2010, your benefits would be based on $106,800, the maximum wage level that you must pay Social Security taxes on in 2010. This makes sense, as you shouldn’t expect to have your benefit calculated on $500,000 if you only paid Social Security taxes on $106,800.
To see the maximum wage level for each year, please visit https://www.ssa.gov/oact/cola/cbb.html
James S says
Since I will be 70 on Oct 4, I selected October as the month for my benefits to begin. I notice the application does not offer a month and day, just a month. My estimated benefits based on my application came up $49 short of the age 70 benefits on my statement. To receive the age 70 benefits, should I select, not the month in which my 70th birthday occurs (October), but the following month (November?) Otherwise, will my benefits be for age 69 instead? Thank you.
kristine says
James – You are correct. Social Security benefits are paid the month after the qualifying month. So if you are wanting to receive your age 70 benefit, you need to select the month after you reach age 70 for the starting date. Thanks for the question!
Donna Landry says
I am a case manager for an individual to is almost 20 years old; she needs to apply for Social Security benefits. Can you direct me to the place where I can get the application and submit it? Thanks.
John R says
Why do you hold one months check? My birthday is on the 4th of February so I won’t get a check until April?
kristine says
Thank you for your question. You must be age 62 for the entire month in order to receive retirement benefits. Since you were born on February 4, you legally attain retirement age on March 1st and are eligible for benefits beginning in March. However, Social Security benefits are paid in the month following the month for which they are due so you will receive your first check on April 1st. I can’t tell you why it’s done this way, but these are the rules. I hope this helps.
kristine says
To apply for Social Security disability benefits, please visit the following site: https://www.socialsecurity.gov/applyfordisability/
patricia says
I will be 65 Oct.05 2013. I want to apply for social security but suspend benefits because I am still working and have insurance coverage from work. Is there a form that is for that particular situation?
kristine says
Patricia – Why do you want to file and suspend? Is your husband going to apply for spousal benefits based on your record? If you are turning 65 but you are not ready to apply for benefits then you don’t need to do anything, unless you want your spouse to be able to apply for spousal benefits. That is the only reason you would need to file and suspend. Otherwise, just wait until you are ready to retire, then apply for Social Security 3 months before you want to receive benefits.
yinyin says
I am 53 years old,my bithday is in September. I have only work for 10 years and had breast cancer so have not been able to work constantly. Which program can I apply if any to qualify for government benefit? Is social security benefit available for me to apply? and How. Thank you
kristine says
Yinyin – Thank you for the question. You’re too young for Social Security retirement benefits, but depending on your health, finances, and other factors, you may qualify for other Social Security benefits. Please visit https://www.benefits.gov/ssa and use the eligibility screening tool to determine if you qualify for any benefits. I hope this helps.
kathy says
I’ll be 67 yo in March but still working and not planning on retiring for 2-3 yrs. Can i collect SS- and if so can I only make so much per yr??? is there a cap on my yrly income??? Are taxes taken out. TY for your time.
kristine says
Kathy – Thank you for the question. Since you are at your full retirement age, you can collect Social Security benefits while still working. There is no income limit once you have reached your full retirement age. You can request that taxes be withheld, but it’s not mandatory. Your benefits will probably be taxable, however, depending on how much you earn from your job. I hope this helps. Thank you.
Jo Ann says
need to apply for social security
kristine says
Jo Ann – You can apply for retirement benefits online by going here: https://ssa.gov/retirement/about.htm. Thanks!