{"id":754,"date":"2020-04-14T16:20:00","date_gmt":"2020-04-14T16:20:00","guid":{"rendered":"https:\/\/www.simplywise.com\/blog-2023\/?p=754"},"modified":"2026-10-27T16:01:36","modified_gmt":"2026-10-27T16:01:36","slug":"social-security-checklist","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/social-security-checklist\/","title":{"rendered":"How to Apply for Social Security Benefits"},"content":{"rendered":"<div class=\"rv2\">\n<div class=\"rv-site-header\">\n<div class=\"rv-header-in\"><a class=\"rv-brand\" href=\"https:\/\/www.simplywise.com\/\" aria-label=\"SimplyWise home\"><span class=\"rv-bgi\" role=\"img\" aria-label=\"SimplyWise\" style=\"background-image:url('https:\/\/www.simplywise.com\/static-pages\/static\/main-landing-page\/assets\/brand\/wordmark-navy.svg');aspect-ratio:546\/87\"><\/span><\/a><\/p>\n<nav class=\"rv-top-nav\" aria-label=\"Apps\">\n<ul>\n<li><a class=\"rv-tn\" href=\"https:\/\/www.simplywise.com\/#ch-estimates\"><span 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section:first-of-type a[style*=\"border-radius:999px\"]:not([href*=\"preferences\/source\"]),.rv2 .sw-t section:first-of-type a[style*=\"border-radius:999px\"]:not([href*=\"preferences\/source\"]){display:flex !important;width:100% !important;justify-content:center !important;box-sizing:border-box !important;min-height:52px}}<\/style>\n<div class=\"rv-plain-tail\">\n<p class=\"pm__prefsrc\" style=\"margin:16px 0 0;\"><a href=\"https:\/\/www.google.com\/preferences\/source?q=simplywise.com\" target=\"_blank\" rel=\"noopener\" style=\"display:inline-flex;align-items:center;gap:8px;min-height:36px;max-width:100%;box-sizing:border-box;padding:6px 14px;background:#fff;border:1px solid #dbe6ff;border-radius:999px;color:#2563eb;font:600 13.5px\/1.3 Inter,-apple-system,sans-serif;text-decoration:none;white-space:nowrap;\"><svg width=\"18\" height=\"18\" viewBox=\"0 0 48 48\" aria-hidden=\"true\" focusable=\"false\" style=\"flex:none\"><path fill=\"#EA4335\" d=\"M24 9.5c3.54 0 6.71 1.22 9.21 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If you\u2019re wondering how to apply for Social Security benefits, our Application Checklist breaks down what you need to know, step by step.\u00a0<\/p>\n<\/section>\n<section data-id=\"944f5ab\" data-element_type=\"section\">\u00a0<\/section>\n<section data-id=\"818d2b9\" data-element_type=\"section\">\n<h2>Application Checklist\u00a0to Apply for Social Security Benefits<\/h2>\n<\/section>\n<section data-id=\"c7bc14c\" data-element_type=\"section\">\u00a0<\/section>\n<section data-id=\"0011a3b\" data-element_type=\"section\">\u00a0<\/p>\n<h3><a href=\"https:\/\/www.simplywise.com\/blog\/social-security-checklist#bestagetoclaimbenefits\">#1 Calculate the best age to claim Social Security retirement benefits\u200b<\/a><\/h3>\n<\/section>\n<section data-id=\"ca4aae5\" data-element_type=\"section\">\u00a0<\/p>\n<h3><a href=\"https:\/\/www.simplywise.com\/blog\/social-security-checklist#whentoapply\">#2 Pick the right date to apply<\/a><\/h3>\n<\/section>\n<section data-id=\"e756e7d\" data-element_type=\"section\">\u00a0<\/p>\n<h3><a href=\"https:\/\/www.simplywise.com\/blog\/social-security-checklist#wheretoapply\">#3 Choose the right method to apply<\/a><\/h3>\n<\/section>\n<section data-id=\"54f9f23\" data-element_type=\"section\">\u00a0<\/p>\n<h3><a href=\"https:\/\/www.simplywise.com\/blog\/social-security-checklist#gatherdocuments\">#4 Gather necessary documents for your application<\/a><\/h3>\n<\/section>\n<section data-id=\"0e99b2b\" data-element_type=\"section\">\u00a0<\/p>\n<h3><a href=\"https:\/\/www.simplywise.com\/blog\/social-security-checklist#createonlineaccount\">#5 Create a \u201cmy Social Security account\u201d<\/a><\/h3>\n<\/section>\n<section data-id=\"6cb75b5\" data-element_type=\"section\">\u00a0<\/p>\n<h3><a href=\"https:\/\/www.simplywise.com\/blog\/social-security-checklist#submitapplication\">#6 Submit your application<\/a><\/h3>\n<\/section>\n<section data-id=\"073fbf1\" data-element_type=\"section\">\u00a0<\/p>\n<h3><a href=\"https:\/\/www.simplywise.com\/blog\/social-security-checklist#checkapplicationstatus\">#7 Check application status<\/a><\/h3>\n<\/section>\n<section data-id=\"e49336c\" data-element_type=\"section\">\u00a0<\/p>\n<h3><a href=\"https:\/\/www.simplywise.com\/blog\/social-security-checklist#updateinformation\">#8 Update direct deposit information or address as necessary<\/a><\/h3>\n<\/section>\n<section data-id=\"7661d6e\" data-element_type=\"section\">\u00a0<\/section>\n<section data-id=\"4abc48f\" data-element_type=\"section\">\u00a0<\/section>\n<section data-id=\"1ce092e\" data-element_type=\"section\">\n<h2>#1 Calculate the best age to claim Social Security retirement benefits<\/h2>\n<\/section>\n<section data-id=\"df95fa4\" data-element_type=\"section\">\n<p>To determine when to start claiming benefits, you first need to know your Full Retirement Age:<\/p>\n<\/section>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"526\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-full-retirament-age-from-1943-2-1024x841.jpeg\" alt=\"what is my full retirement age\" loading=\"lazy\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-full-retirament-age-from-1943-2-1024x841.jpeg 1024w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-full-retirament-age-from-1943-2-300x246.jpeg 300w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-full-retirament-age-from-1943-2-768x631.jpeg 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-full-retirament-age-from-1943-2.jpeg 1466w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<p><b>Next, use a\u00a0<\/b><a href=\"http:\/\/www.simplywise.com\/socialsecurity\" target=\"_blank\" rel=\"noopener\">Social Security calculator<\/a><b>\u00a0to determine the best\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-benefits-by-age\/\">age for you to claim<\/a><\/b>\u00a0in order to maximize your benefits (also known as your \u201cclaiming strategy\u201d).\u00a0<\/p>\n<p>Note that you can claim retirement benefits as early as age 62, but\u00a0<b>if you claim before your\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/what-is-full-retirement-age-for-social-security\/\">Full Retirement Age<\/a>, your monthly benefits will be lower<\/b>.\u00a0<\/p>\n<p>If you claim later than Full Retirement Age, your benefits will be higher. And if you are married or divorced, the age you claim also impacts your spousal benefits.<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"581\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.26.58-AM.png\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.26.58-AM.png 678w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.26.58-AM-300x272.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<section data-id=\"90005ed\" data-element_type=\"section\">\n<h2>#2 Pick the right date to apply<\/h2>\n<\/section>\n<section data-id=\"5e4705e\" data-element_type=\"section\">\n<p>While application processing times are quicker than they were in the past, particularly with the online application, it can still take several weeks to have your application confirmed. It can take longer if there\u2019s a mistake in your application.\u00a0<\/p>\n<p>Luckily, the Social Security Administration (SSA) allows you to apply up to four months in advance of when you want to start collecting benefits (three months if you plan to file at the minimum age of 62). For that reason, we suggest you circle a day 3-4 months in anticipation to submit your application.<\/p>\n<\/section>\n<section data-id=\"8afee56\" data-element_type=\"section\">\u00a0<\/section>\n<section data-id=\"e3b33c4\" data-element_type=\"section\">\n<h2>#3 Choose the right method to apply<\/h2>\n<\/section>\n<section data-id=\"14e3cdb\" data-element_type=\"section\">\n<p>There are three ways to apply for Social Security retirement benefits:<\/p>\n<ul>\n<li>Online on the Social Security Administration website<\/li>\n<li><a href=\"https:\/\/www.ssa.gov\/agency\/contact\/phone.html\" target=\"_blank\" rel=\"noopener\">By phone at 1-800-772-1213<\/a><\/li>\n<li>In person at a Social Security office near you<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>We recommend applying online, which is likely the easiest and in many cases has the fastest turnaround time.\u00a0<\/p>\n<p>Note that for those applying for survivor benefits (widows benefits), the only options are to do so over the phone or to go into an office. If you go into an office, we suggest making an appointment to avoid long wait times.<\/p>\n<\/section>\n<section data-id=\"d80676b\" data-element_type=\"section\">\u00a0<\/section>\n<section data-id=\"3f54a10\" data-element_type=\"section\">\n<h2>#4 Gather necessary documents for your application<\/h2>\n<\/section>\n<section data-id=\"00832e8\" data-element_type=\"section\">\n<p>We recommend gathering the necessary documents together before you apply for Social Security. The SSA can ask for the following information and documents:<\/p>\n<h3>Personal information<\/h3>\n<ul>\n<li>If you were born outside the country, the name of your birth country at the time of your birth<\/li>\n<li>Your citizen status; if you are not a citizen, you should have your Permanent Resident Card number\u00a0<\/li>\n<li>Whether you have used any other Social Security number<\/li>\n<li>Whether you or anyone else has ever filed for Social Security benefits, Medicare or Supplemental Security Income on your behalf; if so, you should have information on whose Social Security record you applied<\/li>\n<li>Your Social Security card\u00a0<\/li>\n<li>Your original birth certificate, or a certified copy<\/li>\n<\/ul>\n<\/section>\n<section data-id=\"00832e8\" data-element_type=\"section\">\n<p>Marriage or divorce information<\/p>\n<ul>\n<li>Name of current spouse<\/li>\n<li>Name of prior spouse (if the marriage lasted more than 10 years or ended in death)<\/li>\n<\/ul>\n<\/section>\n<section data-id=\"0a5e171\" data-element_type=\"section\">\u00a0<\/section>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"530\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.29.11-AM.png\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.29.11-AM.png 689w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.29.11-AM-300x249.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<ul>\n<li>Spouse(s) date of birth and Social Security number (optional)<\/li>\n<li>Beginning and ending dates of marriage(s) (<b>SimplyWise tip:\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-social-security-spousal-benefits\/\">if you are divorced<\/a>, you will need a certified copy of the official divorce decree, not just a photocopy.<\/b>)<\/li>\n<\/ul>\n<section data-id=\"8ef1eb6\" data-element_type=\"section\">\n<h3>Children\u2019s information<\/h3>\n<ul>\n<li>Names and dates of birth for children who either i) are under age 18 and unmarried, ii) became disabled prior to the age of 22, or iii) are aged 18 to 19 and attending secondary school full time<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3>Work information<\/h3>\n<p>If you\u2019re\u00a0<i>not<\/i>\u00a0self-employed:<\/p>\n<ul>\n<li>Earnings for current year and prior two years or a copy of your Social Security Statement.\u00a0Note that even if you don\u2019t have a record of your earnings or aren\u2019t sure they are correct, you can still fill out the application. (<b>SimplyWise tip: If you are going to apply online, you can find this inside your\u00a0<\/b><b><i>my<\/i><\/b><b>\u00a0Social Security account.<\/b>)<\/li>\n<li>Employer name<\/li>\n<li>Employment start and end dates<\/li>\n<li>Whether you or your spouse have ever worked for the railroad industry<\/li>\n<li>Whether you qualified or expect to receive a pension or annuity based on your own employment with the Federal government of the U.S. or one of its states or local subdivisions<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>If you\u00a0<i>are<\/i>\u00a0self-employed:<\/p>\n<ul>\n<li>Business type<\/li>\n<li>Total net income<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3>Direct deposit information<\/h3>\n<ul>\n<li>Account type<\/li>\n<li>Account number<\/li>\n<li>Bank routing number<\/li>\n<\/ul>\n<\/section>\n<section data-id=\"a23e9dd\" data-element_type=\"section\">\u00a0<\/section>\n<section data-id=\"ee59189\" data-element_type=\"section\">\n<h2>#5 Create a \u201cmy Social Security account\u201d<\/h2>\n<\/section>\n<section data-id=\"ef1fd43\" data-element_type=\"section\">\n<p>You will need a\u00a0<b><i>my<\/i><\/b><b>\u00a0Social Security account\u00a0<\/b>to apply for Social Security benefits online. But even if you apply for retirement benefits over the phone or in person, having a\u00a0<b><i>my<\/i>\u00a0Social Security account\u00a0<\/b>can still make things easier. The SSA\u2019s online<b>\u00a0<\/b>account is free, and allows you to set up your direct deposit to receive benefits, check your application status, request a new Social Security card, and more.<\/p>\n<\/section>\n<p><b>When you\u2019re ready, head to the\u00a0<\/b><a href=\"https:\/\/www.ssa.gov\/myaccount\/\"><b>my Social\u00a0Security account website<\/b><\/a><b>\u00a0and click \u201cCreate an Account\u201d<\/b>. When you reach the next screen, click again on \u201cCreate New Account\u201d.<\/p>\n<p>After agreeing to the Terms of\u00a0Service, you will be asked to fill in personal information, such as your:<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"544\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.32.57-AM.png\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.32.57-AM.png 685w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.32.57-AM-300x255.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<section data-id=\"668e297\" data-element_type=\"section\">\n<ul>\n<li>Name<\/li>\n<li>Social Security number<\/li>\n<li>Address<\/li>\n<li>Phone number<\/li>\n<li>Email address<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><b>SimplyWise tip: Make sure to enter the correct information, as you will receive a security code to your phone or email address every time you attempt to log in.<\/b><\/p>\n<p>Additionally, you may be prompted to answer questions about your credit history or your history of addresses or phone numbers in order to verify your identity. You will have to create a username and password, which you can use to log back into your account at any time.<\/p>\n<p>Note that you can also use your account to:<\/p>\n<ul>\n<li>View your Social Security benefit estimate<\/li>\n<li>Review your earnings history\u00a0<b>(SimplyWise tip: review carefully and notify the SSA if you find any discrepancies.)<\/b><\/li>\n<li>Request a new Social Security card<\/li>\n<li>Change your contact information (phone # or address)<\/li>\n<li>Set up \/ change your direct deposit to receive benefits<\/li>\n<\/ul>\n<\/section>\n<section data-id=\"f9be5a0\" data-element_type=\"section\">\u00a0<\/section>\n<section data-id=\"a4df568\" data-element_type=\"section\">\n<h2>#6 Submit application<\/h2>\n<\/section>\n<section data-id=\"498684e\" data-element_type=\"section\">\n<h3>Applying online<\/h3>\n<p>1. Be sure of your claiming strategy<\/p>\n<p>2. Go to the\u00a0<a href=\"https:\/\/secure.ssa.gov\/iClaim\/rib\">Social Security application page<\/a>, agree to the terms and start a new application<\/p>\n<\/section>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"630\" height=\"452\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Apply-online-for-retirement-and-medicare-benefits.jpeg\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Apply-online-for-retirement-and-medicare-benefits.jpeg 630w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Apply-online-for-retirement-and-medicare-benefits-300x215.jpeg 300w\" sizes=\"auto, (max-width: 630px) 100vw, 630px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<p>3. Follow the instructions on the screen to fill out the application (<b>SimplyWise tip: Write down the application number you are given near the beginning of the process and keep it in a safe place, in case you need to refer to it later.)<\/b><\/p>\n<p>4. When you get to the section about when you want to receive your benefits, edit it to the date of your choosing (<b>SimplyWise tip: It will be set to the earliest possible date, so if that is not what you want, make sure to adjust it.<\/b>)<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"589\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.36.05-AM.png\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.36.05-AM.png 677w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.36.05-AM-300x276.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<p>5. When you have responded to all of the questions, you will see a summary of your answers; review them critically and if necessary, click \u201cedit\u201d to make alterations<\/p>\n<p>6. Give your digital \u201csignature\u201d to complete and submit the application<\/p>\n<p>Applying by phone<\/p>\n<p>1. Be sure of your claiming strategy (<b>SimplyWise tip: The agent helping you with your call will only be able to assist you with application and process questions.<\/b>)<\/p>\n<p>2. Clear a few hours on your schedule; we estimate that the application itself will take around 30 minutes, but there may be a wait time (<b>SimplyWise tip:<\/b>\u00a0<b>Call volumes are higher at the beginning of the month and the beginning of each week, so you may want to avoid those days if possible.<\/b>)<\/p>\n<p>3. Have the materials listed above on hand<\/p>\n<p>4. Call the SSA at 1-800-772-1213 anytime from\u00a08:00am to 5:30 pm\u00a0on Monday through Friday (as long as it\u2019s not a holiday)<\/p>\n<p>5. When the time comes, be clear to the representative the date at which you intend to claim; otherwise, the earliest date possible will be selected for you<\/p>\n<p>6. Confirm to the agent your intent to submit the application; this will count as your \u201csignature\u201d<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"629\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.37.47-AM.png\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.37.47-AM.png 686w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.37.47-AM-300x295.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<section data-id=\"3588436\" data-element_type=\"section\">\n<p>Applying in person<\/p>\n<p>1. Be sure of your claiming strategy<\/p>\n<p>2. Call the SSA\u00a0to schedule an appointment at 1-800-772-1213\u00a0(TTY 1-800-325-0778) Monday through Friday, 8:00am to 5:30 pm\u00a0(as long as it\u2019s not a holiday). (<b>SimplyWise tip:\u00a0when you go in, budget a few hours, since you may have trouble finding parking and the office may be busier than expected.<\/b>)<\/p>\n<p>3. Gather the materials listed above and bring with you to the Social Security office<\/p>\n<p>4. When the time comes, be clear to the representative the date at which you intend to claim; otherwise, the earliest date possible will be selected for you<\/p>\n<p>5. Confirm to the agent your intent to submit the application; this will count as your \u201csignature\u201d<\/p>\n<\/section>\n<section data-id=\"6a9c773\" data-element_type=\"section\">\u00a0<\/section>\n<section data-id=\"97e21a5\" data-element_type=\"section\">\n<h2>#7 Check application status<\/h2>\n<\/section>\n<section data-id=\"de09fa9\" data-element_type=\"section\">\n<p>Once you have applied for Social Security retirement benefits, you can check the status of your application: online, by phone, or in person. (<b>SimplyWise tip: Checking online through a\u00a0<\/b><b><i>my\u00a0<\/i><\/b><b>Social Security account is typically the easiest way to get your update.)<\/b><\/p>\n<h3>Check your Social Security application status online<\/h3>\n<p>To check your application status online, you must either have (or create) a\u00a0<a href=\"https:\/\/www.ssa.gov\/myaccount\/\"><b><i>my<\/i><\/b><b>\u00a0Social Security account<\/b><\/a>. You can login there and check the\u00a0<b>Status of Your Application<\/b>\u00a0online.<\/p>\n<p>Your application status online will show:<\/p>\n<ul>\n<li>Your Re-entry number for pending online benefit application or online appeal that has not been submitted;<\/li>\n<li>The date the SSA received your application or appeal;<\/li>\n<li>Scheduled Hearing date and time;<\/li>\n<li>Current claim or appeal location including the address of the office processing your application; and<\/li>\n<li>If a decision has been made.<\/li>\n<\/ul>\n<\/section>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"582\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.39.32-AM.png\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.39.32-AM.png 675w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/04\/Screen-Shot-2023-06-20-at-11.39.32-AM-300x273.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<h3>Check your Social Security application status by phone<\/h3>\n<p>To check your application status by phone, call the SSA at<b>\u00a01-800-772-1213\u00a0<\/b>(TTY 1-800-325-0778). Their hours are Monday through Friday, 8:00am to 5:30 pm.\u00a0<b>(SimplyWise tip:\u00a0Call volumes are higher at the beginning of the month and the beginning of each week, so you may want to avoid those days if possible)<\/b><\/p>\n<p>Check your Social Security application status in person<\/p>\n<p>To check your application status in person, locate your nearest office.<\/p>\n<section data-id=\"6a6b1bb\" data-element_type=\"section\">\n<h2>#8 Update direct deposit information or address (as necessary)<\/h2>\n<\/section>\n<section data-id=\"4384588\" data-element_type=\"section\">\n<p>Social Security needs your address to send you communications and information on Medicare, among other things. So it\u2019s important to be sure they have your current details on file.\u00a0\u00a0<\/p>\n<p>If you need to change either your address or the bank account where your Social Security benefits are deposited, you can change and update your information online, by phone, or in person. (<b>SimplyWise tip: Making changes online through a\u00a0<\/b><b><i>my\u00a0<\/i><\/b><b>Social Security account is typically easiest.)<\/b><\/p>\n<h3>Change your info with Social Security online<\/h3>\n<p>To make the changes online, you must either have (or create) a\u00a0<a href=\"https:\/\/www.ssa.gov\/myaccount\/\"><b><i>my<\/i><\/b><b>\u00a0Social Security account<\/b><\/a>. If you already receive benefits (retirement, survivors, or disability) and you have a bank account, you can start or update your direct deposit by using the\u00a0<b>My Profile Tab<\/b>\u00a0in\u00a0<b><i>my<\/i><\/b><b>\u00a0Social Security<\/b>. In addition, you can decide when your change will take effect.<\/p>\n<h3>Change your info with Social Security by phone<\/h3>\n<p>To make the changes by phone, call the SSA at<b>\u00a01-800-772-1213\u00a0<\/b>(TTY 1-800-325-0778). Their hours are Monday through Friday, 8:00am to 5:30 pm.\u00a0(SimplyWise tip:\u00a0Call volumes are higher at the beginning of the month and the beginning of each week, so you may want to avoid those days if possible.)<\/p>\n<h3>Change your info with Social Security in person<\/h3>\n<p>To make the changes in person, locate your nearest office.<\/p>\n<\/section>\n<\/div>\n<\/div>\n<div class=\"rv-site-footer\">\n<div><span class=\"rv-bgi rv-wm\" role=\"img\" aria-label=\"SimplyWise\" style=\"background-image:url('https:\/\/www.simplywise.com\/static-pages\/static\/main-landing-page\/assets\/brand\/wordmark-white.svg');aspect-ratio:546\/87\"><\/span><\/p>\n<p class=\"rv-tag\">Smart tools for contractors<\/p>\n<ul class=\"rv-foot-links\">\n<li><a href=\"https:\/\/simplywise.com\/login\">Log in<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/#program\">New Business Program<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/about\">About<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/support\">Support<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/privacy\">Privacy<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/terms\">Terms<\/a><\/li>\n<li><a href=\"https:\/\/www.simplywise.com\/blog\/\">Blog<\/a><\/li>\n<\/ul>\n<p><small>&copy; 2026 SimplyWise<\/small><\/div>\n<\/div>\n<\/div>\n<!-- sw-elementor-schema --><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"ItemList\",\"name\":\"How to Apply for Social Security Benefits\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"#1 Calculate the best age to claim Social Security retirement benefits\u200b\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"#2 Pick the right date to apply\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"#3 Choose the right method to apply\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"#4 Gather necessary documents for your application\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"#5 Create a \u201cmy Social Security account\u201d\"},{\"@type\":\"ListItem\",\"position\":6,\"name\":\"#6 Submit your application\"},{\"@type\":\"ListItem\",\"position\":7,\"name\":\"#7 Check application status\"},{\"@type\":\"ListItem\",\"position\":8,\"name\":\"#8 Update direct deposit information or address as necessary\"}]}<\/script>","protected":false},"excerpt":{"rendered":"<p>Estimates Receipts Mileage Room scans Visualizer Log in Estimates Receipts Mileage Room scans Visualizer Add SimplyWise as a preferred source Navigating Social Security can be confusing. If you\u2019re wondering how to apply for Social Security benefits, our Application Checklist breaks down what you need to know, step by step.\u00a0 \u00a0 Application Checklist\u00a0to Apply for Social [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":755,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_linkdex":"66","_yoast_wpseo_content_score":"60","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_canonical":"","inline_featured_image":false,"footnotes":""},"categories":[186],"tags":[],"class_list":["post-754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social-security"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Apply for Social Security Benefits<\/title>\n<meta name=\"description\" content=\"Social Security is confusing. 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