I need help applying for my retirement benefits.
================
I'll be happy to assist you in applying for your benefits.
================
Thanks. What if I apply before I reach full retirement age?
The amount that you will receive will be permanently reduced by a percentage based on the number of months until you reach full retirement age.
================
What are the next steps after I apply?
You could find out if your family is eligible for any benefits. Are you interested in this information?
Yes, I'm interested.
Great. This information is important to know, because members of your family may still qualify for benefits on your record, even if you do not qualify for benefits.
================
What if my wife is already receiving retirement benefits?
In that case, we would also check your eligibility for spousal benefits and your application will automatically serve as a request for these benefits.
What happens if I'm found eligible for spousal benefits?
You would not need to take any further action, because your application would serve as a request for spousal benefits.
