How To Apply For Social Security
Applying for Social Security benefits can feel overwhelming, especially if you’re unsure where to start. At Diversified Insurance Brokers, we help individuals navigate the process with ease. With access to over 100 carriers and decades of retirement planning experience, our advisors can assist you in understanding eligibility, paperwork, and timelines. Here’s what you need to know about how to apply for Social Security.
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What Are the Benefits of Applying for Social Security?
Applying for Social Security opens the door to:
- Guaranteed retirement income for the rest of your life
- Spousal and survivor benefits for eligible family members
- Disability income protection for qualified applicants
- Access to Medicare once you reach eligibility age
Whether you’re retiring early or waiting until full retirement age, these benefits can form the foundation of your retirement plan.
Who Should Apply for Social Security?
This process is a good fit for:
- Individuals age 62 or older who want to start collecting retirement benefits
- Workers who have become disabled and meet SSA’s medical and work requirements
- Spouses, ex-spouses, and survivors who may be entitled to benefits based on a partner’s work record
- Anyone approaching retirement age who needs clarity on when and how to file
If you’re unsure whether you’re eligible, speaking with an expert can help you avoid costly mistakes.
Why Applying Early (or Strategically) Matters
Timing is everything when it comes to Social Security. Filing at the wrong time can reduce your monthly benefit for life. On the other hand, a well-planned filing strategy could mean tens of thousands of dollars in additional retirement income over time. Our team can help you:
- Determine your full retirement age (FRA)
- Understand early filing penalties
- Evaluate delayed retirement credits
- Coordinate benefits with your spouse
- Integrate Social Security with your overall retirement plan