Social Security Retirement Insurance


The Social Security Retirement benefit is a monthly payment that replaces part of your income when you reduce your hours or stop working altogether. The monthly payment does not replace all of your income.

General information about this opportunity
Last Known Status
Program Number
Federal Agency/Office
Social Security Administration
Type(s) of Assistance Offered
D - Direct Payments With Unrestricted Use
Program Accomplishments
Not applicable.
Social Security Act of 1935, Title II, as amended, Title II, Public Law 401-208, 42 U.S.C. 401-433
Old-Age and Survivors Insurance Benefit Payments – Every individual who is fully insured as defined in section 214a, has attained age 62, and files an application for Retirement can be entitled to benefits.
Who is eligible to apply/benefit from this assistance?
Applicant Eligibility
To qualify for Retirement Benefits, an individual (i.e., worker) must pay Social Security taxes to earn "credits" towards Social Security Benefits. The number of credits a worker needs to receive retirement depends on when the worker was born. Individuals born in 1929 or later need 40 credits (10 years of work). In addition of having the required credits, individuals must be age 62 or older and file and application with the Social Security Administration. Individuals can also get credits under Social Security systems of certain foreign countries if they are part of the International Social Security agreement. An individual (worker) and their qualified family members can file for benefits if the worker earned the required credits.
Beneficiary Eligibility
A spouse and children can be beneficiaries of benefits under the worker's record if the worker earned enough credits. Eligible beneficiaries include: o A spouse must be age 62 or older. o Spouse younger than age 62 are eligible if they care for a child (age 16 or younger) entitled on the worker's record or if the child is disable. o Former spouses are eligible if age 62 or older and if the marriage to the worker lasted at least 10 years. o Unmarried children up to age 18, or up to 19 if they are a full-time student at an elementary or secondary school (grade 12 or below). Spouses who never worked or have low earnings on their own work record can file as beneficiary under the worker's record. Children (including adopted children) of the worker can also file as beneficiary if they meet the age and student eligibility requirement.
Individuals must provide proof of age to be entitled to benefits. Individuals filing for their children or as a spouse under the worker's record must provide proofs of age, dependency, and relationship. All individuals filing for benefits must have a valid Social Security Number (SSN). Non-US citizens must provide proof of lawful alien status to be eligible to Social Security payments.
What is the process for applying and being award this assistance?
Pre-Application Procedure
Preapplication coordination is not applicable.
Application Procedure
2 CFR 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards applies to this program. Call toll free at 1 (800) 772-1213 or, telephone or visit the local Social Security Office. Retired workers, spouses and divorced spouses may also apply via the Internet. Individuals meeting the eligibility requirements can file an application at the local SSA office. Once an individual provides the required evidence or proof, an SSA employee will process the application and award benefits. Benefits are paid monthly and for a month on the past. A benefit due for January is paid on February as long as the individual was alive for the full month of January.
Award Procedure
Once an individual provides the required evidence or proof, an SSA employee will process the application and award benefits. SSA mails a notice to the beneficiary to notify them of the award.
January 1, 2017 to December 31, 2017 It is to the worker's advantage to apply for benefits in the three months before he or she retires. Retroactivity is limited to 6 months if unreduced benefits are being awarded. No retroactivity is provided where reduced benefits are being awarded. You must contact your local SSA Field Office (FO) for application deadlines. Generally, an individual has up to 6 months to file an application. The 6-month period starts from the date the individual contacts SSA to inform of their intent to file for benefits and SSA sends a notification of the 6-month period. The earliest an individual can submit an application is 4 months prior of age 62 to receive benefits.
Approval/Disapproval Decision Time
Not applicable.
Not applicable.
Not applicable.
How are proposals selected?
Not applicable.
How may assistance be used?
Monthly cash benefits are paid to eligible retired workers and their eligible auxiliaries. There are no restrictions on use of benefits by a beneficiary, although the right to future benefits is not transferable or assignable.
What are the requirements after being awarded this opportunity?
Not applicable.
Not applicable.
Any change in address or eligibility requirements (such as work status, marital or family status, or school attendance) must be reported to the Social Security Office when it occurs.
Other Assistance Considerations
Formula and Matching Requirements
Statutory formula is not applicable to this assistance listing.

Matching requirements are not applicable to this assistance listing.

MOE requirements are not applicable to this assistance listing.
Length and Time Phasing of Assistance
N/A Contact Local Office for more information
Who do I contact about this opportunity?
Regional or Local Office
Consult Appendix IV of the Catalog.
Headquarters Office
Room 4100, Annex, Social Security Administration
Baltimore , MD 21235 US
Phone: 1-800-772-1213
Website Address
Financial Information
Account Identification
(Direct Payments with Unrestricted Use) FY 22$967,175,446,716.00; FY 23 est $1,088,924,000,000.00; FY 24 est $1,182,463,000,000.00; -
Range and Average of Financial Assistance
Monthly cash benefits for a worker retiring at full retirement age (FRA) in 2023 range up to $3,627 and to a maximum of $6,346.30 for a family of such a worker receiving benefits. As of December 31, 2022, the average benefit paid to a retired worker alone with no family members receiving benefits was $1,815. The average amount payable to a retired worker and their eligible spouse was a combined $2,963.
Regulations, Guidelines and Literature
Code of Federal Regulations, Title 20, Parts 401, 404, and 422. "Your Social Security", "Thinking About Retiring", and many other publications are available from any Social Security office without charge.
Examples of Funded Projects
Not applicable.


Related Federal Grants

Federal Grants Resources