why is it so had to apply for social security especially when you know you are eligible

Hi,

I don't know what kind of problems you've encountered, but in most cases it's not that difficult to apply for benefits. The current pandemic has caused a lot of problems for Social Security, though, and while their offices are closed to the public the only options for filing are either a) online (https://www.ssa.gov/onlineservices/), or b) by telephone.

Not all Social Security applications can be filed for online, so if you can't file online you may need to call Social Security in order to apply or make an appointment (https://www.ssa.gov/benefits/forms/). You'll need to be patient, though, because you'll likely be placed on hold for a significant amount of time before being connected with an employee.

Best, Jerry