Social Security: A Guide to Applying for Retirement Benefits

Here is a 167-word summary of the news article: The article provides a guide on how to apply for Social Security retirement benefits. To apply, individuals must be at least 62 years old and have worked and paid Social Security taxes for a minimum of 10 years. When applying, you'll need to have personal information ready, such as your Social Security number, birth certificate, and W-2 forms. You can apply online, by phone, or in person at a local Social Security office. The process involves submitting required documents and answering questions about your work history and income. Once your application is approved, you'll receive monthly payments based on your earnings record and the age you start collecting benefits. The article advises starting the application process 3 months before you want your benefits to begin. It also recommends exploring options like delaying retirement or working part-time to maximize your Social Security income.