How early can you apply for Social Security benefits?

You can apply for Social Security benefits as early as four months before the month you wish to start receiving benefits. This advance application feature allows individuals to complete the necessary paperwork and arrange for their benefits to start without any unnecessary delays. For example, if you want your benefits to start in January, you can submit your application as early as September of the previous year.

The ability to apply ahead of time is intended to streamline the process, ensuring that there is minimal disruption in income when one becomes eligible for benefits. This advance application window is particularly useful for individuals who may need assistance navigating the application process, allowing them ample time to gather the required information and documentation.