Retirement: What to Know
CHECK IF YOU ARE ELIGIBLE FOR SSI AND HOW TO APPLY
We strongly recommend you check the eligibility requirements for SSI, by visiting www.ssa.gov, before you start your application or contact us to make an appointment. If you are unsure you may qualify after reading these requirements, call us at 1-800-772-1213 (or TTY 1-800-325-0778 if you are deaf or hard of hearing).
You can apply for SSI benefits by:
-Visiting our website to start the disability application process online. You may be eligible to apply for SSI through the online disability application. www.ssa.gov/disability
-Calling us at 1-800-772-1213 (or TTY 1-800-325-0778 if you are deaf or hard of hearing) and making an appointment to apply for SSI. If you are deaf or hard of hearing, we also will take your telecommunications relay services (TRS) assisted calls at 1-800-772-1213. You can have a telephone appointment with one of our representatives at your local Social Security Office to file for SSI benefits.
-Having someone else call and make the appointment for you or assist you with your application for SSI.
-Calling your local Social Security office to schedule a telephone appointment to file for SSI benefits.
You will have to provide information and work with us to get documents concerning SSI eligibility.
WHEN TO APPLY
Apply as soon as possible so that you do not lose benefits. We cannot pay benefits for time periods earlier than the effective date of your application.
If you call us to make an appointment to apply and you keep your appointment and file an application, we may use the date of your call as your application filing date.
If you do not keep this appointment and you do not contact us to reschedule the appointment, we will try to contact you. If we do not get in touch with you to reschedule the appointment, we will send you a letter. The letter will say that if you file an application within 60 days from the date of the letter, we will use the date of your original contact with us as your SSI application date.
At what age will social security start?
You can receive Social Security retirement benefits as early as age 62. However, we'll reduce your benefit if you start receiving benefits before your full retirement age. For example, if you turn age 62 in 2024, your benefit would be about 30% lower than it would be at your full retirement age of 67.
Is it better to collect Social Security at 62 or 67?
If you claim Social Security at age 62, rather than wait until your full retirement age (FRA), you can expect a 30% reduction in monthly benefits. For every year you delay claiming Social Security past your FRA up to age 70, you get an 8% increase in your benefit.
At what age do you get 100% of your Social Security if you?
Full retirement age (FRA) is the age when you are eligible to collect full Social Security retirement benefits, and it is based on the year when you were born. The FRA is 66 years and two months for those born in 1955 and gradually increases to 67 for those born in 1960 and after.