To apply for the SSS retirement benefit, an OFW must have at least 120 months of contributions. The application can be submitted online through the SSS website or in person at any SSS branch when returning to the Philippines. It's important to prepare necessary documents such as a valid ID and proof of contributions. For specific eligibility and requirements, it's best to check the official SSS website or consult an SSS representative for more tailored information based on your situation.