Do you need to apply to receive Social Security benefits?

To receive Social Security benefits, individuals must formally apply for them. This application process is necessary because it allows the Social Security Administration (SSA) to verify eligibility based on specific criteria such as work history, income, and age.

While some automatic enrollment may occur for certain individuals, such as those already receiving disability benefits transitioning to retirement, the general rule is that people must take the initiative to apply for Social Security retirement benefits when they reach the eligible age. This ensures that the SSA has all necessary information to determine the correct benefit amount and eligibility. Therefore, understanding the need for an application is crucial for individuals planning to access Social Security retirement or any other types of benefits, including disability and survivor benefits.