If you're unable to afford a nursing home or assisted living facility, you aren't out of senior care options. Some seniors get by with a mix of family caregivers, in-home care, and adult day health care.
As there is a range of eight years between the ages of 62 and 70 that seniors can qualify for retirement benefits, there's also no set “best age” to move into independent living. There are dozens of factors at play, and many of these factors are dependent on your own personal circumstances.
Some American workers do not qualify for Social Security retirement benefits. Workers who don't accrue the requisite 40 credits (roughly 10 years of employment) are not eligible for Social Security. Some government and railroad employees are not eligible for Social Security.
Officially, you'll start the retirement process with your employer, letting them know when you plan to stop working. Depending on your employer and your tenure, you may need to write an official letter of resignation, document your contacts, processes, and files, and maybe even train a replacement.
The easiest and most convenient way to apply for retirement benefits is by using our online application. You will need to create or log in to your personal my Social Security account.
The retirement benefits application process follows these general steps, whether you apply online, by phone, or in person: Gather the information and documents you need to apply. Complete and submit your application. We review your application and contact you if we need more information. We mail you a decision letter.
What Documents Do You Need to Apply for Retirement Benefits? (En espaol) Your Social Security card or a record of your number. Your original birth certificate, a copy certified by the issuing agency, or other proof of your age. If you were not born in the U.S., proof of U.S. citizenship or lawful alien status.