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When and How to File for Social Security Benefits

When and How to File for Social Security Benefits
One document you don't need is your Social Security card. Rawpixel.com/Shutterstock
Tom Margenau
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Hundreds of thousands of people will be filing for Social Security benefits in 2022. So today, I’m going to write a column about when and how to file for Social Security benefits.

But first, let me clarify the “when to file” part. As I’ve said over and over again in this column, I am not a financial planner. So, I really can’t advise you about the best time to start your Social Security benefits. That’s a decision only you can make, perhaps after consulting a real financial planner.

Tom Margenau
Tom Margenau
Author
Tom Margenau worked for 32 years in a variety of positions for the Social Security Administration before retiring in 2005. He has served as the director of SSA’s public information office, the chief editor of more than 100 SSA publications, a deputy press officer and spokesman, and a speechwriter for the commissioner of Social Security. For 12 years, he also wrote Social Security columns for local newspapers, and recently published the book “Social Security: Simple and Smart.” If you have a Social Security question, contact him at [email protected]
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