Social Security Office Locations By Nearest Zip Code
Find the Social Security office location nearest you
Most likely, you have a Social Security office near you. You can find the closest office location by inputting your zip code into the Social Security office location web page.
Before you make a trip to the Social Security office, you may want to check the online services page of the ssa.gov website to see if you can accomplish your needs online. Many services, such as filing for benefits, can be done without making a trip to the office.
Why Check Online First?
There are about 10,000 people a day turning age 62, which means many Social Security offices are going to have long wait times. Be prepared to wait in line. And if you have questions about claiming choices, the nearest Social Security office may not be the best place to find answers. Staff workers are not trained to give you advice on all your choices, and many are not knowledgeable about the application of new Social Security rules that were signed into law recently. These government workers are not financial advisors and don't have the training or expertise to help you see what financial decisions are best in the long run.
If you are going to file for retirement benefits - then before you go, make sure you are making decisions that will get you the most lifetime income possible. Many people make common mistakes when they claim benefits - mistakes that cost them thousands of dollars. For example, married couples often neglect to factor in the impact of survivor benefits and thus don't claim in a way that can provide more income for a surviving spouse. The result of these choices is that many widows or widowers have less income in their later years.
Single or Married?
- If you're single, before you claim, read up on when to claim Social Security for singles.
- If married, check out when to claim Social Security for marrieds, or check out one of the many online Social Security calculators where you can use a software program to project out your claiming choices and show you which one will deliver the most income.
Social Security Office Locations Outside the U.S.
If you live outside the United States, there are Social Security field office locations in Canada, the British Virgin Islands, and Samoa. For these office locations and more information on Social Security international operations visit the Social Security website:
Before Visiting A Social Security Office Location
No one wants to make multiple trips to any government office, so before you go, make sure you have the right documentation with you. Original documentation is usually required so don't walk in with copies. For details on documentation needed for each service, look up what documents you'll need to apply. By being prepared, you'll save time.
Coordinating Social Security with Earnings from Work
If you are claiming benefits early and plan on continuing to work, you should understand the Social Security earnings limit, which is a rule that can reduce your current benefits if you earn an amount in excess of the current year's earnings limit. Many people file at age 62 and then keep working expecting to get all of their Social Security and their earnings. If they earn too much, they receive a letter from Social Security explaining that their current benefits will be reduced. When you were expecting to have more, this can be a shock.
Luckily, this rule no longer applies once you reach what is called your full retirement age, which varies depending on the year you were born - for most it will be age 66 or higher.
You'll also want to be familiar with how taxes on Social Security benefits work. Up to 85% of benefits received may be included as taxable income on your tax return. You need to plan for this, or you'll get an unexpectedly large tax bill in April.
Overall, retirement planning is complicated. Social Security is only one part. The money you have needs to last the rest of your life. Visiting with a financial planner at this stage of life can often be a smart move.