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 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 benefits 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 retirement application online. Feel free to find more information at ssa website.
To start your online application, simply go to 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 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. Social Security retirement benefits are an important part of most people’s retirement income. There are many rules regarding when you can collect benefits which will affect your retirement income. Whether you are a career person or a homemaker, it’s important that you understand the Social Security eligibility rules so you can maximize your Social Security income.