Some people approaching retirement worry about the process of applying for Social Security.  They think it's complex, time consuming, and intimidating.  Let me assure you, it is not! My wife just filed for her benefits, and I shortly followed suit by applying for a spousal benefit, but postponed to claim my own until age 70.  We had both created our own secure "My Social Security" accounts by going to www.SocialSecurity.gov.  

It took just a few minutes to set up our own secure account, and we can view our earnings history, estimated payments, and apply for benefits from there.  It took less than an hour.  The next day, and agent called to confirm that this is what I wanted to do, and she gave me the exact amount I'll receive and when it would arrive.  She also confirmed the deductions for the Income-Related Monthly Adjustment Amount (IRMAA) for my Medicare. 

So, after you and your financial advisor have completed your retirement planning projections and you know when you want to start claiming benefits, just go for it.  It's easier than you think.

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