How To Use The Online Retirement Benefits Application
Below are the steps on how to use their online system to fill out and submit your application for retirement benefits:
- Access the system: You would need to first access the online application system. You will be taken through a series of screens that will ask you questions about yourself, your family, and your work.
- Fill out the online application: You can complete your application in a single session or start the application now and finish it sometime later. If you get stuck on a question, go ahead and skip it. When you finish the online application, they will ask you if there are any questions you still need to answer. Once you start your online application and dont have all the required information, you dont have to worry as they save your online application. This allows you to go get the required information and come back and enter it into your saved application.
After you completely fill out the application, they will ask you to confirm the truthfulness of the answers to the best of your knowledge, under penalty of perjury, and your response will be recorded. You can be held liable for intentionally providing false or misleading information.
- Submit your application: The final step of the online application is when you click the Submit Now button, which will appear at the end after you finished filling out the online form.
How Much Can You Expect To Get
Your Social Security retirement benefit payment is based on how much you made during your working years. The more you earned, the more you’ll get when you retire.
Your Social Security retirement benefit payment is also affected by the age at which you decide to retire. You can retire as early as age 62, but if you retire before your full retirement age, your benefits will be permanently reduced, based on your age. For example, if you retire at age 62, your benefit would be about 25 percent lower than what it would be if you waited until you reach full retirement age.
You also need to remember that monthly premiums for Medicare Part B are usually deducted from monthly Social Security benefits. Retirement is a great time to look into the pros and cons of a private Medicare Advantage plan.
Retirement benefits are based on the recipients lifetime earnings in work in which they paid Social Security taxes. Higher income translates to a bigger benefit, up to a point. The amount to which retirees are entitled is modified by other factors, most crucially the age at which they first claim benefits.
For reference, the estimated average Social Security retirement benefit in 2021 is $1,543 a month. The maximum benefitthe most an individual retiree can getis $3,148 a month for someone who files for Social Security in 2021 at their full retirement age.
Why Apply For Benefits Using The Online System
Using the Social Security online application has a number of benefits:
- You can avoid trips to your Social Security office, saving you time and money.
- You can answer questions on your schedule. You dont have to complete the application the same day that you started it. You can start and stop the application without losing any of the information you entered.
- You will have a chance to correct mistakes. You can go back and make changes until you finish the application. Youll also be given a chance to review your answers and go back and make corrections before you submit the application.
- If you have trouble answering a question, you can find additional information in their links.
- You dont need to mail your application. When youre finished, just click Submit Now to send your application to Social Security.
- Youll get a receipt for your online application. You can print the receipt and keep for your records.
- You can check the status of your online application. Your receipt includes a confirmation number you can use to check the status of your application.
However, if you choose to apply for benefits more than two months in the future, you will not be able to check the status of your application until one month before you start receiving benefits.
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How Long Are You Allowed To Stay On Each Page
For security reasons, there are time limits for viewing each page. You will receive a warning after 25 minutes without doing anything, and you will be able to extend your time on the page. After the third warning, you must move to another page or your time will run out and your work on that page will be lost.
The Basics About Disability Benefits
The SSDI program pays benefits to you and certain if you are insured. This means that you worked long enough and recently enough – and paid Social Security taxes on your earnings. The program pays benefits to adults and children with disabilities who have limited income and resources.
While these two programs are different, the medical requirements are the same. If you meet the non-medical requirements, monthly benefits are paid if you have a medical condition expected to last at least one year or result in death.
If You Don’t Have All Of The Documents
Even if you don’t have everything, don’t delay applying for Social Security retirement benefits. You can provide the missing documents later. We may be able to help you get them.
In many cases, your local Social Security office can contact your state Bureau of Vital Statistics and verify your information online at no cost to you or find other ways to get the information we need.
If you delay signing up, you could lose some benefits you may be due.
Avoiding Accidental Retroactive Applications
When you file a Social Security application online, the application asks when you want your benefits to start. Similarly, if you file by phone or in person, the SSA employee with whom you speak is supposed to ask when you want your benefits to start. But there have been cases in which the SSA employee doesnt ask. Instead, they just start the applicants benefit immediately, with the maximum possible retroactivity . And, in some cases, thats not what the applicant actually wanted.
So its always important to be clear about exactly when you want your benefit to begin .
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Applying For Social Security Disability And Ssi Benefits
Locate a Social Security Office. Before you begin your application, you should collect certain information regarding your medical treatment, work history and other facts. To view a checklist of the information that you will need, Disability Checklist. When you are ready to apply for Social Security Disability Benefits, Apply for Disability
When To Apply For Social Security
As stated above, you are eligible to apply for Social Security retirement benefits when you are 61 and nine months. You can start collecting benefits as soon as you turn 62.
However, just because you can, does not mean that you should.
The longer you delay starting your benefits, the more your monthly income will be. In fact, the difference in lifetime income between starting at age 62 and waiting until your maximum retirement age can be more than $100,000 and for many people much much more.
While you can start benefits at age 62, the Social Security Administration considers that early. Depending on your birth year, you do not reach what the SSA calls full retirement age until sometime between ages 66 and 67.
- For every month prior to your full retirement age that you begin taking benefits, around 0.55% is deducted from your payout.
- And, for every year that you defer your benefits, you will receive a larger amount when you finally do begin drawing Social Security. The amount of the bonus is dependent, once more, on your birth date. For example, someone born in 1944 has a full retirement age of 66. If they start benefits at age 69, they will receive eight percent more benefits for each year they delay.
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If You’re Not Sure Why You Received A Payment
Contact the authorizing agency directly to find out why they sent the payment. You may be able to find the authorizing agency in the memo line of the check. View this diagram of a sample Treasury check to help you locate the authorizing agency contact information on your own check. Scroll about half way down the page to see the diagram.
If you’re unable to find which agency authorized the payment, . They can help you determine which government agency you need to contact. To find which RFC you need to call, look for its city and state at the top center of the check.
Use the Treasury Check Verification System to verify that the check is legitmate and issued by the government.
Getting A Social Security Number For A New Baby
The easiest way to get a Social Security number for your child is at the hospital after they are born when you apply for your childs birth certificate. If you wait to apply for a number at a Social Security office, there may be delays while SSA verifies your childs birth certificate.
Your child will need their own Social Security number so you can:
- Claim your child as a dependent on your income tax return
- Open a bank account in their name
- Get medical coverage for them
- Apply for government services for them
Keep your Social Security card in a safe place to protect yourself from identity theft.
What Documents Do You Need To Apply For Retirement Benefits
We request different documents depending on your circumstances. You can help by being ready to provide the information and documents listed below. You can also use our Checklist For The Online Medicare, Retirement, And Spouses Application to help you gather the information you need to apply.
Documents we may ask for include:
- Your Social Security card or a record of your number.
- Your original birth certificate, a copy certified by the issuing agency, or other proof of your age.We must see the original document, or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies.
- If you were not born in the U.S., proof of U.S. citizenship or lawful alien status. We must see the original document, or copies certified by the agency that issued them. We cannot accept documents if they have expired. We cannot accept photocopies or notarized copies.
- A copy of your U.S. military service paper if you served before 1968. A photocopy is acceptable.
- A copy of your W-2 form and/or self-employment tax return for last year. A photocopy is acceptable.
We will return all documents and photocopies unless specifically told otherwise.
What Is The Eligibility For Social Security Spouses
May 14, 2021 ·If you do have enough credits to qualify for your own Social Security benefits and you apply for your own retirement benefits and for benefits as a spouse, we always pay your own benefits first. If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits
Supplemental Security Income Application Process And Applicants’ Rights
CHECK IF YOU ARE ELIGIBLE FOR SSI AND HOW TO APPLY
We strongly recommend you check the eligibility requirements for SSI before you start your application or contact us to make an appointment. If you are unsure you may qualify after reading these requirements, call us at 1-800-772-1213 .
You can apply for SSI benefits by:
Visiting our Apply Online for Disability Benefits website to start the disability application process online. You may be eligible to apply for SSI through the online disability application.
Having someone else call and make the appointment for you or assist you with your application for SSI. For more information, see our chapter on HOW SOMEONE CAN HELP YOU WITH YOUR SSI or
WHEN TO APPLY
Apply as soon as possible so that you do not lose benefits. We cannot pay benefits for time periods earlier than the effective date of your application.
If you call us to make an appointment to apply and you file an application within 60 days, we may use the date of your call as your application filing date.
If you are in a public institution but you will be leaving within a few months, you may not be eligible for SSI until you leave. You may, however, be able to apply before you leave so that SSI benefits can begin quickly after you leave. Check with the institution and contact us about filing an application under the “prerelease procedure.”
Submit Your Social Security Application Three Months In Advance
You should apply for Social Security retirement benefits three months before the date you want to start receiving benefits. Payments are sent the month after the month they are due. For example, if you apply for retirement benefits and request that they start in October of 2012, you will receive your first payment in November 2012.
For more information on how to submit your Social Security application, please visit Social Security Online: How to Apply for Social Security Benefits.
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Apply For Benefits Online
You should apply for disability benefits as soon as you become disabled. Follow these easy steps to apply online for disability:
- To start your application, go to our Apply for Benefits page, and read and agree to the Terms of Service. Click Next.
- On that page, review the Getting Ready section to make sure you have the information you need to apply.
- Select Start A New Application.
- We will ask a few questions about who is filling out the application.
- You will then sign into your mySocial Security account, or you will be prompted to create one.
- Complete the application.
You can use the online application to apply for disability benefits if you:
- Are age 18 or older.
- Are not currently receiving benefits on your own Social Security record.
- Are unable to work because of a medical condition that is expected to last at least 12 months or result in death and
- Have not been denied for disability in the last 60 days.
Note: If your application was recently denied, our application is a starting point to request a review of the determination we made.
You may be able to file online for SSI at the same time that you file for SSDI benefits. Once you complete the online process above, a Social Security representative will contact you if we need additional information.
How To Apply For Spousal Social Security Benefits
This article was written by Jennifer Mueller, JD. Jennifer Mueller is an in-house legal expert at wikiHow. Jennifer reviews, fact-checks, and evaluates wikiHow’s legal content to ensure thoroughness and accuracy. She received her JD from Indiana University Maurer School of Law in 2006.There are 10 references cited in this article, which can be found at the bottom of the page. This article has been viewed 22,442 times.
If you are married or divorced and nearing retirement age, you may be eligible for spousal Social Security benefits. Spousal benefits allow you to get up to 50 percent of the total benefits your spouse is eligible for without taking away from their benefits. If you’re eligible for your own retirement benefits, you’ll get those first. However, if your spouse was in the workforce longer than you or made more money, spousal benefits could add to the overall benefits you receive. You apply for spousal Social Security benefits the same way you claim your own retirement benefits.XResearch source
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Report The Death Of A Social Security Or Medicare Beneficiary
You must report the death of a family member receiving Social Security or Medicare benefits. The Social Security Administration processes death reports for both. Find out how you can report a death and how to cancel benefit payments. In addition to canceling SSA and Medicare benefits, find out what other benefits and accounts you should cancel.
How To Stop Social Security Check Payments
The SSA can not pay benefits for the month of a recipients death. That means if the person died in July, the check received in August must be returned. Find out how to return a check to the SSA.
If the payment is by direct deposit, notify the financial institution as soon as possible so it can return any payments received after death. For more about the requirement to return benefits for the month of a beneficiarys death, see the top of page 11 of this SSA publication.
Family members may be eligible for Social Security survivors benefits when a person getting benefits dies. Visit the SSA’s Survivors Benefits page to learn more.
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If You Work While Getting Social Security
Yes, you can work full or part-time while also getting Social Security retirement benefits. However, if you have not yet reached your full retirement age, and if your net income from working is higher than the annual earnings limit, your annual benefits will be reduced. Beginning in the month you reach full retirement age, Social Security will stop reducing your benefits no matter how much you earn.
During any full calendar year in which you are under full retirement age, Social Security deducts $1 from your benefit payments for every $2 you earn above the annual net income limit. The income limit changes every year. In 2017, the income limit was $16,920.