Apply for Social Security retirement benefits
Apply online with my Social Security, by phone or at an office.
What you need
- A my Social Security account (to apply online)
Step by step
- Apply up to 4 months before you want benefits to start
- Sign in to my Social Security and complete the online application
- If needed, call 1-800-772-1213 or make an appointment at a local office
- Sign up for Medicare 3 months before your 65th birthday, even if you don't retire yet
Where to apply
SSA: apply for retirement benefits · ssa.gov
SSA: how to apply (FAQ) · ssa.gov
The app helps with
Tips to get it right the first time
- Phone service is Monday to Friday, 8:00 a.m. to 7:00 p.m. local time.
- If you live outside the US, contact the office that serves your country.
Save the checklist in the app and tick items off as you gather them.
Reviewed on October 19, 2026 · source: ssa.gov. Requirements and costs are for reference and may change without notice: confirm them with the official source before you go. We are not affiliated with any institution.