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How Far in Advance Should You Apply for Social Security Benefits?

When you apply for Social Security benefits you should not apply any sooner than 4 months prior to when you want your retirement benefits to begin. If you are planning to retire at the age of 62, you cannot apply for benefits before you are the age of 61 years and 9 months old. If you are not planning to retire, but have reached the age of 65, you should apply for your Medicare benefits immediately. You can apply for your retirement benefits when you are set to retire. Make sure when you apply that you are prepared to provide all the necessary documentation that the SSA may require. This may include past tax forms, birth certificates, divorce decrees and/or information about your current spouse.

Can I Apply For Social Security Benefits Even If I Live Abroad?

If you are a United States Citizen that is currently living abroad, and have reached retirement age, you can still apply for and receive Social Security benefits. You will need to visit your nearest American embassy and they will provide you with all the necessary paperwork to put in for your retirement benefits. If you are in the Philippines, you will need to contact the Office of Veterans Affairs to receive information on your benefits. Internet access applications for overseas benefits are generally referred to a local consulate office for person to person meeting.

What If I Don’t Want To Retire?

While no one can honestly force you to retire, applying for Social Security benefits is a right that you have in this country. You have paid into the system for your entire working career. Receiving benefits after a life time of work is a bonus. If you decide to continue working once you have started receiving benefits you can do so. Your retirement income may be adjusted because of this additional income for a short period. Currently, once you reach a certain age, the income you generate outside of your Social Security benefits is no longer counted against your retirement amount.



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