Create or sign in to your my Social Security account at ssa.gov
Gather your Social Security number, birth certificate, and proof of citizenship or lawful alien status if needed
Have your bank routing and account numbers ready for direct deposit
Collect your work history and recent W-2s or self-employment tax returns
Decide the month you want benefits to start
Apply online at ssa.gov/retirement
Apply by phone at 1-800-772-1213
Visit your local Social Security office if you need in-person help
Complete the retirement benefits application
Review your application carefully before submitting
Keep copies of all documents and confirmation records
Respond promptly if SSA requests additional information
Wait for SSA to review and send your decision notice