how long to process application for social security
November 19, 2010. Social Security recommends applying for retirement benefits three months before you want them to begin, because processing can take two months or longer. In most cases, you can apply as early as four months in advance. Retirement payments arrive one month after the qualifying month, so you'll receive the deposit for a June start date in July. Social Security approves your application 30 to 60 days before it makes the first payment.