According to the Social Security Administration government site, you can apply for retirement benefits easily online. The U.S. government offers an online application that can be completed in as little as fifteen minutes. You can apply from the comfort of your home at any time convenient for you. There is no need to drive to the Social Security Office or speak to a Social Security representative to apply.
In most cases, once your application is submitted electronically, you’re done. Social Security will process your application and contact you by telephone or by mail if any further information is needed.
Who can apply for retirement benefits online?
You can apply online for retirement benefits or benefits as a spouse if you:
• are at least 61 years and 8 months old;
• are not currently receiving benefits on your own Social Security record;
• have not already applied for retirement benefits; and
• want your benefits to start no more than 4 months in the future. (We cannot process your application if you apply for benefits more than 4 months in advance.)