I went to a social security office first thing and was called at 10:20 to be told by an agent that I should open an acct and do this online. If it only takes 10 minutes, that's how long she spent with me and made a telephone appointment. I don't function well with computers as I always pick the wrong thing. My birthday was in June, am now 70 and they are telling me to apply for June benefits. Is this correct?