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Social Security application at age 70 - is birth certificate required when already on Medicare?

I need some clarity on applying for SS retirement benefits. My brother will be turning 70 in September 2025 and wants to start his benefits right at 70 (no later!). He's already been on Medicare since 65, but we're having a disagreement about whether he'll need his birth certificate for the SS application. He insists that since he's already on Medicare, the SSA already has his birthdate verified so he won't need it. I think he should locate it now just in case, especially since he's notorious for misplacing important documents and getting a replacement could delay things. Does anyone know if he'll need his birth certificate when he applies online a few months before turning 70? He's planning to use his mySocialSecurity account to apply. Thanks for any help!

I just went through this process with my mom who turned 70 in January. Since she was already on Medicare, she didn't need to provide her birth certificate again when applying for retirement benefits. The SSA already had her birth verification on file. As long as your brother has his Social Security number and basic info for the online application, he should be fine. One tip though - tell him to apply 2-3 months before his birthday to make sure everything processes in time for him to get his first payment in his birthday month.

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Caden Turner

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That's such a relief to hear! I'll let him know. He's so stubborn about these things and I was worried he'd wait until the last minute and then panic when he couldn't find his documents. Did your mom get her first payment right on her birthday month?

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Harmony Love

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Your brother is correct. If he's already enrolled in Medicare, the SSA will have already verified his date of birth during that application process. However, it's still a good idea to have identity documents accessible just in case there are any discrepancies in the system. When applying online through his mySocialSecurity account, he'll need: - Social Security number - Bank account details for direct deposit - Information about any previous marriages (if applicable) If the SSA needs any additional documentation, they'll contact him after he submits his application. But in most cases where someone is already on Medicare, they don't need to reverify the birth certificate.

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Caden Turner

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Thank you for the detailed information! I'll make sure he has those other documents ready. He's been divorced twice so I'll tell him to gather that paperwork too. Hopefully, the online process will be smooth sailing.

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Rudy Cenizo

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my mother in law didnt need her birth certificate when she applied for ss but they did ask for her marriage license because she was getting benefits on her ex husbands record make sure he has all that stuff ready if hes been married

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Caden Turner

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Thanks for mentioning that. He's applying on his own record (worked for 40+ years), but I'll make sure he knows about possibly needing marriage/divorce papers just in case.

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Natalie Khan

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JUST FYI - I DID need my birth certificate even though I was on Medicare already!!! The online system glitched somehow and they said my birthdate didn't match what they had on file (it DID). Had to go to the field office and wait FOUR HOURS with my birth certificate. Tell him to find it NOW or order a new one. The SSA is a MESS these days!!!

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Harmony Love

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This can happen occasionally if there's a data discrepancy between systems, but it's relatively rare. If there's any concern, your brother can check that his information matches across his Medicare account and Social Security account before applying. Most applicants who are already on Medicare won't encounter this issue, but having a birth certificate accessible is never a bad idea.

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Daryl Bright

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I had such a nightmare trying to call SSA when I ran into a problem with my application last year. After getting disconnected six times and waiting on hold for hours, I discovered a service called Claimyr. It saved me so much frustration! They got me connected to a real SSA agent in less than 10 minutes. You might want to tell your brother about it in case he runs into any issues during his application process. They have a video showing how it works at https://youtu.be/Z-BRbJw3puU and their website is claimyr.com. It was honestly worth it after the headache of trying to reach someone at SSA directly.

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Rudy Cenizo

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does that really work? i tried calling ssa for 2 weeks straight about my husbands widower benefits and couldnt get through

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Sienna Gomez

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I applied for my retirement benefits last year and everything was super easy until they suddenly needed proof of my name change from 40 years ago!!! Totally threw me off because I'd been on Medicare for years. So even if your brother probably won't need his birth certificate, tell him to be prepared for unexpected document requests. My benefits were delayed 2 months while I tracked down my marriage certificate from 1983!

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Caden Turner

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Oh no, that sounds stressful! Fortunately my brother has never changed his name, but that's good to know. These sorts of requirements seem to vary more than they should.

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Just to clarify some of the confusion in this thread: The SSA typically does not require a birth certificate for retirement benefits if you're already enrolled in Medicare, as your identity and birthdate have already been verified. However, there are exceptions that might trigger additional verification: 1. If there are data inconsistencies between systems 2. If your name has changed since your Medicare enrollment 3. If you're claiming benefits on someone else's record 4. If there are flags on your account for any reason For a standard age-70 retirement claim on your own record when already on Medicare, approximately 90% of applicants complete the process without needing to provide additional identity documents. The best approach is to apply 3 months before he wants benefits to begin, which gives time to resolve any unexpected document requests.

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Natalie Khan

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This makes sense why they needed mine then - I had gotten married and changed my name AFTER I started Medicare but BEFORE I applied for SS. Wish someone had told me that would cause problems!

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McKenzie Shade

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Another thing your brother should be aware of - when applying at age 70, make sure he specifically indicates he wants benefits to begin at age 70, not the current month of application. If he applies 2-3 months before turning 70 (which is recommended), the system will default to starting benefits immediately unless he specifies the later start date. This ensures he gets the maximum delayed retirement credits (DRCs) he's entitled to.

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Caden Turner

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That's a great tip! I'll make sure he pays attention to that section. He definitely wants to maximize his benefit by waiting until exactly 70.

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