Hi Larry, and thank you for your informative column and website.

In order to avoid problems, is it better to file for social security online or in person? I plan on avoiding applying by phone.

Hi. It really shouldn't make any difference. Filing online when possible is more convenient, but if you'd be more comfortable applying in person then that's fine, too. Nor is there anything wrong with filing for benefits by phone. If you do decide to file in person or by phone, though, you should first call Social Security to make an appointment.

Best, Jerry