At what age can you apply for social security benefits

The earliest you can start collecting retirement benefits is age 62. You can apply once you reach 61 years and 9 months of age.

Table of Contents Show

Ways to Apply
Retirement or Spouse's Benefits
Disability Benefits
Appeal a Disability Decision
Medicare Benefits
Extra Help with Medicare Prescription Drug Costs
Supplemental Security Income (SSI) Benefits
Survivors Benefits
Children's Benefits
Check the Status of Your Application
Is it better to take Social Security at 62 or 67?
What is best age to apply for Social Security?
How much is Social Security at 62?

However, Social Security reduces your payment if you start collecting before your full retirement age, or FRA. (FRA is 66 and 4 months for people born in 1956 and is gradually rising to 67 for those born in 1960 or later.) Only then do you qualify for 100 percent of your basic monthly benefit, which is calculated from your 35 highest-earning years.

Your payment will increase even more if you wait until age 70 to apply, as you’ll be accruing delayed retirement credits. (You can apply later than 70, but it doesn’t change your benefit.)

The starting age can differ for other types of Social Security benefits.

Spousal benefits: These can begin at 62, as long as the spouse on whose work record you are claiming them is already receiving retirement benefits. Spousal benefits are reduced if taken before FRA.

Survivor benefits: You can apply for benefits on the record of a deceased spouse or ex-spouse at 60; 50 if you are disabled; or any age if you are caring for the deceased’s under-16 or disabled child. These are also reduced if claimed prior to full retirement age, which is currently 66 for survivors.

Social Security Disability Insurance (SSDI): No age requirement, but you must have spent some time in work in which you paid Social Security taxes. The amount of time increases with age, but you may qualify for SSDI with less time in the workforce than you need to collect retirement benefits. You must also demonstrate that your medical condition meets Social Security’s strict definition of disability and show evidence that it prevents you from working.

The Social Security Administration (SSA) is facing a large backlog of disability claims that grew during the COVID-19 pandemic. The agency had about 833,000 applications for SSDI pending in March 2021, an 11.5 percent increase from one year earlier, according to a July 2022 report from the SSA's Office of the Inspector General.

Keep in mind

The question of when you can receive benefits is separate from a more important question: When should you claim benefits? The answer is complicated and depends on your job situation, family circumstances, and financial and physical health.
There is no minimum age for dependent children to receive benefits on the earnings record of a retired or deceased parent. These can begin at any time but in most circumstances end at age 18.
Parents who were financially dependent on a son or daughter who dies can collect survivor benefits from age 62.

Ways to Apply

You can complete an application for Retirement, Spouse's, Medicare or Disability Benefits online.

If you cannot submit your application online:

You can call us at 1-800-772-1213 (TTY 1-800-325-0778); or
Due to the COVID-19 pandemic, visits to our offices are by appointment only for certain services. Please visit our Coronavirus page to see if you may be eligible for an in-person appointment.

If you live outside the U.S. you can contact the Federal Benefits Unit that provides service to your country of residence.

Retirement or Spouse's Benefits

You can apply online for Retirement or spouse's benefits or continue an application you already started.

You must be at least 61 years and 9 months old and want your benefits to start no more than four months in the future.

If you qualify for both retirement and spouse's benefits, please read:

If you are eligible for a spouse's benefit and your own retirement benefit

If you are almost 65, your application for benefits will include Medicare.

Information You May Need to Apply:

Retirement Benefits
Spouse's or Divorced Spouse's Benefits

Disability Benefits

You can apply online for disability benefits or continue an application you already started.

Information You May Need to Apply:

Disability Benefits

Appeal a Disability Decision

If your application for disability benefits was denied recently for medical reasons, you can request an appeal online or continue working on an appeal you already started.

Medicare Benefits

You can apply online for Medicare or continue an application you already started.

If you are almost 65 but you don't want your retirement benefits to start, you can just apply online for Medicare using the "Retirement/Medicare Benefits" application.

Information You May Need to Apply:

Medicare

Extra Help with Medicare Prescription Drug Costs

You can apply online for Extra Help with Medicare prescription drug costs.

Supplemental Security Income (SSI) Benefits

If you want to apply for Supplemental Security Income (SSI), please read:

How Do I Apply For SSI?

Survivors Benefits

You cannot report a death or apply for survivors' benefits online.

If you need to report a death or apply for survivors' benefits, call 1-800-772-1213 (TTY 1-800-325-0778). You can speak to a Social Security representative between 7 AM and 7 PM Monday through Friday. You can also contact your local Social Security office.

In most cases, the funeral home will report the person's death to Social Security. If you want them to do that, you will need to give the deceased's Social Security Number to the funeral director so they can make the report.

If you are getting benefits on your spouse's or parent's record:

We'll automatically change any monthly benefits to survivor benefits after the death is reported to us.
We may be able to pay the Special Lump Sum Death Benefit automatically.

If you are getting retirement or disability benefits on your own record, you will need to apply for the survivor benefits. We will check to see whether you can get a higher benefit as a widow or widower.

If you are not getting benefits, you should apply for survivor benefits promptly because, in some cases, benefits may not be retroactive.

Information You May Need to Apply:

Widows/Widowers or Surviving Divorced Spouse's Benefits
Child's Benefits
Mother's or Father's Benefits
Lump-Sum Death Payment
Parent's Benefits
(You must have been dependent on your child at the time of his or her death.)

Children's Benefits

You cannot apply online for benefits for a child. Please read:

Information You Need to Apply for Child's Benefits

Check the Status of Your Application

After you apply, you can check the status of your application online. You will need your Social Security number and confirmation that you received when you applied to use this service.

You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits when you reach your full retirement age. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.

The benefit at age 70 in this example is about 77% more than the benefit you would receive each month if you start getting benefits at age 62 — a difference of $540 each month. last as long as you live, provide valuable protection against outliving savings and other sources of retirement income.

How Your Social Security Benefit Is Reduced.