How do I apply for Social Security at 62 and how long will it take to start receiving payments?

Published: March 21, 2022

Full question: When I turn 62, how do I start my Social Security benefit? And how long after applying for benefits, will it be direct deposited?


When you are ready to begin collecting benefits you should always apply 2-3 months prior! Once you apply for benefits, it usually takes the Social Security Administration 4 to 6 weeks to approve your benefits. On your application you will be asked when you want your benefits to start. Since you can only begin collecting the month after the month you turn 62, you would put that month as your start date. Based on the month you input, you will receive your first payment the following month.

Keep in mind, age 62 is the earliest you can collect, but you would be collecting a reduced benefit. This can also affect spousal and survivor benefits for those who are/were married. You will also be subject to an earnings limit and many other key Social Security rules that can impact your benefits based on your personal situation. It is important to plan for the best claiming strategy for you so that you can optimize your benefits and understand what rules to look out for. Even if you have a plan in mind, speaking with an expert can help take the weight off your shoulders that you did not miss anything and that your completely confident in your claiming decision!

Take care,

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