If Congress does nothing, Social Security recipients may see a 24% cut in annual benefits in 2033, a new analysis shows.

If you'd rather not apply online, you can call the Social Security Administration at 800-772-1213 to set up an appointment to apply for benefits. The agent will schedule the appointment and let you know whether you can do it over the phone or if you'll need to go to a local branch to apply.

A 24% cut to Social Security is projected by 2032, leaving seniors worried as benefits fail to keep up with inflation.