You can apply: Online; or. You can apply up to 4 months before you want your retirement benefits to start.Learn about the filing rules for married couples regarding retirement and spouses benefits that will help you decide when to claim your benefits. The information provided in this guide is based on the Florida. Retirement System (FRS) Pension Plan laws and rules in existence as of July 2024. You can start receiving your Social Security retirement benefits as early as age 62. Apply for your monthly retirement benefit any time between age 62 and 70. Qualifying for Retirement Benefits. The special rule lets us pay a full Social Security check for any whole month we consider you retired, regardless of your yearly earnings. You will need proof of identification and other documents to apply for retirement benefits.