If you'd rather not apply online, you can call the Social Security Administration at 800-772-1213 to set up an appointment to apply for benefits. The agent will schedule the appointment and let you know whether you can do it over the phone or if you'll need to go to a local branch to apply.

It’s a good thing that Social Security gives seniors choices as to when to claim benefits — at least in theory. But in reality, that puts a lot of pressure on retirees. You can sign up for Social Security as early as age 62.