By phone over 8 years ago. I called about 7 Pm and the SS rep was in Seattle.
She explained all payment options to me as I took my benefit one year before full retirement age. It was a pleasant experience. Easy peasy.
I recommend calling them late in the day as I got thru with the minimal wait time.
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"It doesn't cost "nuttin", to be nice".  MOM
I just want to do the right thing! Uncle Joe, (my hero).
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