For example, the Social Security website states that an individual who wants their benefits to start in May will receive their first benefit check in June. For example, if you turn 62 on Dec. If you have already reached age 62 and met all other eligibility criteria, then you may begin collecting benefits in the same month when you apply if you specify, although your first payment still would not arrive until the following month.
Receiving Social Security at age 62 the earliest age when you can receive benefits means that you will receive a reduced payment compared with waiting for full retirement age. The amount that your monthly Social Security benefit increases for each year that you delay taking benefits past full retirement age until you reach age 70, at which point the increases stop. Applying for Social Security benefits is a fairly simple process.
Applications can be submitted online, over the phone, or in person at your local Social Security office although those offices are open by appointment only. The most convenient way to apply is through the online platform found on the Social Security Administration SSA website. The application itself takes about 10 to 30 minutes and can be saved at any point for future completion. Also, this application can be used to apply for Medicare.
It is generally recommended that you apply a few months in advance of when you would like to start receiving the checks. To ensure a quick and easy application process, it is best to have all the necessary information on hand before beginning. This can include but is not necessarily limited to the birth and marriage dates of you and your spouse, your Social Security number, proof of citizenship, tax information, employment history, military records, and bank account information for direct deposit.
Sometimes there are requests for documents, including original birth certificates, marriage licenses, and tax returns. An agent usually contacts you if any clarification or additional documentation is needed. Once you have completed your application and supplied all requested information, you are given a receipt for your records and a confirmation number that you can use to check the status of your application online after submission. You can also follow up over the phone or in person at your local Social Security office.
Depending on your situation and what documentation may be required, your application may be approved within the same month when you apply. In addition, benefit payment schedules are now dictated by date of birth. For those with birthdays from the first to the 10th of the month, payments will be made on the second Wednesday of every month. For those born from the 11th to the 20th, payment is made on the third Wednesday of the month.
For those born from the 21st to the 31st, payments are made on the fourth Wednesday of the month. This means that if you turn 62 on Dec. If your birthday is Dec. Social Security Administration. Accessed April 10, Social Security. Your Privacy Rights. Supplemental Security Income SSI — a program administered but not funded by Social Security that pays benefits to low-income people who are over 65, blind or disabled — has document requirements related to financial need as well as personal information.
These may include:. Find the answers to the most common Social Security questions such as when to claim, how to maximize your retirement benefits and more. You are leaving AARP. Please return to AARP. You'll start receiving the latest news, benefits, events, and programs related to AARP's mission to empower people to choose how they live as they age. You can also manage your communication preferences by updating your account at anytime. You will be asked to register or log in. In the next 24 hours, you will receive an email to confirm your subscription to receive emails related to AARP volunteering.
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