The first step in applying for Social Security is deciding when to start your benefits. You can start receiving your benefits as early as age 62, but doing so will cause a significant reduction in your benefits. To get 100% of your primary insurance amount, you will need to wait until full retirement age to start your benefits. If you can wait even later, you can accrue delayed retirement benefits and increase your monthly payments. Once you have decided when to start your benefits, you should gather the required documents and complete your application. If the Social Security Administration requires additional documentation, they will reach out and let you know.