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applying after reaching 65 generally can receive benefits for up to six months before the month of application, but not before the month he or she reaches 65. A person applying between 62 and 65 cannot generally get any benefits for months before the month of application.
In addition, a person can receive benefits only for months he or she meets eligibility requirements for the entire month. Generally, this means that unless a person was born on the first day of a month, he or she cannot get a benefit for the month of his or her 62nd birthday. The first benefit payable is for the following month.
Before applying, a person should gather together the required evidence. This includes his or her Social Security card or a record of the number, birth or baptismal certificate, and Forms W-2 or self-employment tax returns for the past two years. If this evidence is not available, the people at the Social Security office may be able to suggest substitutes.
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