Frustrated With Social Security Customer Service? These Essential Tips From AARP Can Help

Senior man talking on cell phone and using laptop on work table.
jacoblund / Getty Images/iStockphoto

Let’s be honest here: A lot of Americans weren’t thrilled about the Social Security Administration’s (SSA) customer service options even before COVID-19 created all kinds of headaches. But with wait times increasing and thousands of baby boomers retiring every day as part of the Great Resignation, the problem is only getting worse.

See: 5 Things Most Americans Don’t Know About Social Security
Find: 7 Things Every Woman Should Know About Social Security

The good news is, there are steps you can take to improve your chances of getting your questions answered — and issues resolved — even as the SSA attempts to recover from the pandemic.

The agency was forced to temporarily shutter its 1,200 field offices in the wake of COVID-19, the AARP reported. Those offices might reopen this spring, the SSA said in a January press release. One result of the closings was that more people were forced to call the SSA rather than visit in person, leading to longer wait times and heightened frustration.

The SSA has also been hurt by budget cuts. As the AARP noted, since 2010 the SSA’s operating budget — set each year by Congress — has declined by 13% and its staff by 12%. Meanwhile, the number of Social Security beneficiaries has increased 22% over the same time period, according to the Center on Budget and Policy Priorities.

Retire Comfortably

So what can you do if you are frustrated by SSA customer service? The AARP offers these tips:

  1. Call during off-peak hours. Peak hours for the SSA’s national toll-free number are the first week of the month and when payments are made, typically on Wednesdays.​ You’re better off avoiding these times if you want to call.
  2. Go online whenever possible. The SSA has attempted to make its website ( more comprehensive and user friendly during the pandemic, which means you can do more things online now than you could in the past. Before calling the agency, research your questions and issues on the website first to see if you can find answers there.
  3. Use other resources. A good place to start is the AARP’s Social Security Resource Center, which features a comprehensive mix of calculators, tools and articles that can help you navigate your way through various Social Security and retirement issues. The site also lets you submit questions to experts. You should also search the web for other nonprofits and investment companies that offer useful information free of charge.
  4. Hire an expert. If you have the budget, hiring a financial/retirement professional is one way to avoid frustrating calls or queries to the SSA. This can be particularly helpful when you are deciding when and how to file for retirement benefits. As the AARP notes, not thinking through the details can cost you thousands of dollars in lost benefits. The SSA can help you process your claims, but it’s not there to offer advice on when and how to file it.

Share this article:

facebook sharing button
twitter sharing button
linkedin sharing button
email sharing button
Retire Comfortably

About the Author

Vance Cariaga is a London-based writer, editor and journalist who previously held staff positions at Investor’s Business Daily, The Charlotte Business Journal and The Charlotte Observer. His work also appeared in Charlotte Magazine, Street & Smith’s Sports Business Journal and Business North Carolina magazine. He holds a B.A. in English from Appalachian State University and studied journalism at the University of South Carolina. His reporting earned awards from the North Carolina Press Association, the Green Eyeshade Awards and AlterNet. In addition to journalism, he has worked in banking, accounting and restaurant management. A native of North Carolina who also writes fiction, Vance’s short story, “Saint Christopher,” placed second in the 2019 Writer’s Digest Short Short Story Competition. Two of his short stories appear in With One Eye on the Cows, an anthology published by Ad Hoc Fiction in 2019. His debut novel, Voodoo Hideaway, was published in 2021 by Atmosphere Press.
Learn More


See Today's Best
Banking Offers