user: When do I apply for retirement benefits?[NEWLINE]agent: Please have information we need ready[NEWLINE]agent: Do you have a birth certificate?[NEWLINE]user: yes[NEWLINE]agent: you may request one from the state where you were born[NEWLINE]user: Do I need a bank account?[NEWLINE]agent: bring along your bank information so you can sign up for Direct Deposit If you do not have a bank account you can sign up for the Direct Express card program[NEWLINE]user: Does my child need a birth certificate to apply?[NEWLINE]agent: Yes please read when you apply what you will need[NEWLINE]user: What other documents will you ask for?[NEWLINE]agent: We may ask you to provide certain documents to show that you are eligible and help us decide how much your benefits should be[NEWLINE][BOUNDARY][NEWLINE]user: What if my pension plan was terminated?