ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Tips on Applying for Social Security Benefits

Updated on July 9, 2012

Full retirement age is for persons who are sixty-two years old and/or older. When you are sixty-one years and nine months old you can file for retirement benefits through your local social security office. If you are not yet ready to retire completely you can still apply for Medicare once you reach age sixty-five.

Consider Your Retirement Options

Only you can decide the best time for you to retire, just because you have reached the retirement age it does not mean you have to retire right now. You need to consider your options and what will work best for you and your family.

Regardless of what age you decide to retire you will receive the same amount of social security benefits. The monthly payment amount depends on when you actually retire. If you retire at an earlier age, for example age sixty-two, you will receive lower monthly payments. If you wait until you are seventy to retire, your payments will be higher each month. This is because the earlier you start receiving benefits means the longer you will need to receive these benefits, where if you wait you will receive the benefits over a shorter period of time making the monthly amount higher.

Once you apply and start receiving benefits the amount you receive is the set amount that you will get for the rest of your life. You may receive increases due to the cost of living adjustments or it may increase if you are still working.

If you determine that you are not yet ready to retire but you are within four months of your sixty-fifth birthday you should still apply for Medicare regardless of if you are at your full retirement age.

Social Security Retirement Planner

The Social Security Retirement Planner provides you with detailed information regarding your retirement benefits under the current law. It also points out information that you may want to consider as you are preparing for your future.

If you are looking for information, you can:

  • Find you retirement age
  • Estimate you life expectancy
  • Estimate your Retirement Benefits
  • plus more....

If you are nearing retirement age, you can:

  • Discover your retirement options
  • Find instructions on applying for benefits
  • Apply for retirement benefits
  • plus more....

Social Security Calculators

A number of calculators are available for you to use depending on what you are looking to do.

  1. Quick Calculator - You must be at least 21 years old or older for this to work properly. It give you a rough estimate when you enter your date of birth and your current year earnings.
  2. Online Calculator - Allows you to enter your date of birth and your complete earnings history to receive an estimated benefit amount. You may even project your earnings as far as your retirement date.
  3. WEP Online Calculator (Windfall Elimination Provision) - This version allows you to see the affect of WEP on your estimated benefits.
  4. Detailed Calculator - You must download and install this calculator on your computer. It provides the most accurate estimates.

*None of these calculators are linked to your Social Security earnings record, the earning amounts used are the one you enter. They can only produce estimates and they all assume that you have enough credits to qualify for benefits. Even if you do not have enough qualifying credits you will still receive an estimated amount. If you would like an accurate estimate it is beneficial for you to use the Retirement Estimator instead of these calculators.

Social Security Online Application

The Social Security Online Application will take you between 10 and 30 minutes to complete. It is simple and will save you the trouble of driving to your social security office and waiting to meet with a representative.

There are 6 pages in the online application.

  1. Welcome to the Social Security Benefit Application
  2. Questions About You
  3. Application Number
  4. Questions About Your Work
  5. Questions About Your Benefits
  6. Finishing Your Application


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
ClickscoThis is a data management platform studying reader behavior (Privacy Policy)