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Tips For Those Applying for Social Security in 2023 - Motley Fool

Deciding when to claim those Social Security benefits you’ve earned from a lifetime of working is, in and of itself, an important task. It’s a decision which should not be whimsically made, because it’s probably the most important financial decision you’ll make in your lifetime. But if you’ve done all your homework and decided that this is your year to apply for your benefits, there are some pretty important things you need to be aware of. For example, if you’re thinking you can apply and get your first monthly benefit right away, think again. Social Security needs some time to process your application. And if you’re assuming that your monthly payment will be the same as the estimate you got beforehand, that may be a surprise too – especially if you’re on Medicare. This Motely Fool article by Kailey Hagen offers some important tips for those who are planning to apply for Social Security in 2023, but it leaves out one important point: if you claim before your full retirement age and you’re still working, Social Security limits how much you can earn before your benefits are affected. Nevertheless, this article provides important information for those who plan to submit their application for Social Security benefits. Click here to read more.

Also, if you’re unsure about how these basics apply to you, or if you have any questions about your individual situation under Social Security, note that the AMAC Foundation provides a free-to-the-public advisory service to help Americans navigate the complexities of this program. Learn more about it here…

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Comments On This Topic

  1. How and where I can apply for SSDI? I was not able to find a job for last 12 month due to my health condition, bad memory, open scalp surgery from the accident. Please send me a link where I can download the app to file for SSDI. Thank you! Denis Subbotin

    • Denis,
      You can apply for Social Security Disability Insurance (SSDI) benefits online at, or you can call Social Security directly at 1.800.772.1213 to make an appointment to apply. To apply for SSDI you must not yet have reached your SS full retirement age (FRA) which is somewhere between 66 and 67 depending on your year of birth. You must also be unable to work and expect that to last for at least one year, and that must be confirmed by your medical services providers. In addition to the link to the online SSDI application, the information at the above link explains more about SS disability, including how the application process works and the information you will need to provide to Social Security when you apply, as well as how to appeal if you application is initially denied.
      Russell Gloor
      National Social Security Advisor
      The AMAC Foundation

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