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Starting before full retirement age generally lowers your monthly retirement benefit. Waiting beyond full retirement age increases it until age 70. Compare your own estimates, income needs and family situation before choosing a start date.
A marriage lasting at least 10 years may help you qualify for divorced-spouse benefits. Your age, current marital status and other requirements also matter. Ask Social Security to check your options.
A Medicare Savings Program may pay your Part B premium and, depending on the program, other Medicare costs. Income and resource rules vary by state. Ask your state Medicaid agency about QMB, SLMB and QI.
Free guide: Medicaid and Medicare Savings Programs · Find my Medicaid agency
SSDI requires enough recent work covered by Social Security and a medical condition that meets its disability rules. Gather your work history, treatment information and details about how your condition limits work. If denied, read the notice and protect your appeal deadline.
SSI may provide monthly payments if you are 65 or older, blind, or have a qualifying disability and meet income, resource and other requirements. Your payment depends on your circumstances. SSI is separate from Social Security retirement.
Extra Help can reduce Part D premiums and other covered prescription costs for people with limited income and resources. Some people qualify automatically; others apply through Social Security. SHIP can help with the application.
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Read about this guide →Prepare your work and medical information.
Read about this guide →Understand enrollment steps and coverage choices.
Read about this guide →Learn which family benefits to ask Social Security about.
Read about this guide →Learn about the retirement earnings test.
Read about this guide →Understand disability work incentives and reporting.
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Browse the free guidesUse your personal Social Security estimate rather than a national average. Your earnings history and the age you start benefits affect the amount. Compare estimates for different start dates in your my Social Security account.
See Social Security's retirement planning tools · Free guide: When to Start Social Security
You may qualify, but a short description cannot establish eligibility. Programs have different rules for income, resources, age, disability, household and residence. Use the guides to identify programs to ask about, then confirm the requirements with the agency that runs each program. Programs in U.S. territories can differ.
The Social Security Fairness Act, signed January 5, 2025, ended the Windfall Elimination Provision and Government Pension Offset for benefits payable for January 2024 and later. These were specific reductions connected to pensions from work not covered by Social Security. Other benefit rules still apply. For example, Social Security payments can still reduce the tier I portion of a railroad retirement annuity.
Often, yes, but the rules depend on the benefit. Retirement benefits have an earnings test before full retirement age, with a higher limit in the year you reach that age. The test ends starting with your full retirement age month. SSDI has separate work incentives and earnings rules, including different rules for blindness. SSI uses its own income-counting rules. Report work and ask which rules apply to you.
Free guide: Working while receiving retirement · Free guide: Working while receiving SSDI
SSDI is disability insurance based on covered work and Social Security's disability rules. SSI is for people who are 65 or older, blind, or have a qualifying disability and meet income, resource and other requirements. Some people qualify for both. SSI generally requires residence in a U.S. state, the District of Columbia or the Northern Mariana Islands.
Free guide: Filing for Disability · Free guide: Understanding SSI