How Social Security Approval Works
When you retire, a lot of questions cross your mind. The one question that almost every retiree asks is: how long does it take to get my first social security check? It would be prudent to start by knowing how long does it take to apply for social security online. To your relief, the process will not take a lot of your time. Now that your application is done and submitted, you will be wondering how long does it take to get social security approval.
Typically, it takes 6 weeks to process your application and for the benefits to start. However, it will take longer if you submit incorrect information. Also, the duration for approval will depend on the number of submissions the Social Security Administration will be processing at the time. Overall, the wait time is at least six weeks or longer depending on a number of factors.
You will require your social security number, birth certificate, and supporting financial documents when you apply. Tax return evidence and W-2 forms are also required for self-employed applicants.
For those born out of the USA, you should provide proof of citizenship. A certificate of citizenship or passport will be adequate. Also, marital information and those of your children will be required.
Luckily, all these documents are not required at once when you apply. The SSA will send you notification when they are required.
Determining Your Best Benefit Options
Exemptions for Documentation
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How To Get Started
To set up a My Social Security account, you must be at least 18 and have a Social Security number, a valid email address and a U.S. mailing address. Youll also need some form of identification or financial information, like a drivers license or tax return, to verify your identity during the sign-up process. Make sure that you have all of this information handy.
Heres how to set up your account.
Go to the My Social Security sign-up page. Click on Create an Account . Youll be asked to read and agree to terms of service for the account.
Enter identifying information, including your name, birth date, Social Security number and address. Youll also be asked to provide a cellphone number or email address the SSA will use it later for verification.
Choose a method for Social Security to confirm your identity. There are three options:
Get a security code. Once youve provided information to verify your identity, Social Security sends a code by text or email, which you can enter to finish setting up your account. You can opt to receive the code by regular mail, though that option can take five to 10 days.
Create a username and password. This will be your My Social Security account log-in. The password must contain between eight and 64 characters and include upper- and lowercase letters, at least one number, and at least one symbol like an exclamation point, ampersand or dollar sign.
Congratulations! You have successfully created your online My Social Security account.
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How And When To Apply For Social Security Benefits
- B.S., Texas A& M University
Applying for Social Security benefits is the easy part. You can apply online, by telephone or by walking into your local Social Security office. The hard part is deciding when to apply for your Social Security retirement benefits and rounding up all the documents you’ll need when you do.
What You Need For Apply For Ssdi Or Ssi Benefits
You will get a faster decision when you apply for Social Security Disability Insurance or Supplemental Security Income with the Social Security Administration if you provide:
- Your Social Security number
- Medical records from your doctors, therapists, hospitals, clinics and caseworkers
- Laboratory and test results
- Names, addresses, phone and fax numbers of your doctors, clinics and hospitals
- Names of all medications you are taking
- Names of your employers and job duties for the last 15 years
If you are applying for a child, you also need school records regarding your child’s disability.
IMPORTANT NOTE: Don’t wait to file your claim for disability payments even if you don’t have all this information.
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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.
Your Personal Mysocial Security Account Is For Your Use Only
Social Security is dedicated to protecting the information and resources entrusted to us, including your personal information and investment. For your protection, youre the only one who can create your personal mySocial Security account for your own exclusive use. No one can create or use an account on your behalf, even with written permission. Dont share the use of your account with anyone else under any circumstances, as unauthorized use of this service is a misrepresentation of your identity to the federal government and could subject you to criminal or civil penalties, or both.
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The Social Security Administration Provides Workers With A Convenient Online System Which You Can Use To Check Their Information And Access Services
Not matter if you are collecting benefits, retired, or just beginning your career, the Social Security Administration allows you to set up an online account at my Social Security. The service is your gateway to the agencys online services where you can verify your earnings history, review current benefits or estimate future benefits, in addition to many other services.
Setting up an online secure account is quick and easy, which you can do online or in person. For those who are 18 and older, all you need is a US mailing address, valid email address and a Social Security number.
Should I Wait Until Full Retirement Age To Apply For Social Security
Receiving Social Security at age 62 means that you will receive a reduced payment compared with waiting for full retirement age. For those born in 1960 or later, the reduction is 30%, and all reductions are permanent. If you delay taking your benefits past full retirement age, then you receive an 8% increase for each full year that you do so, up until you reach 70, at which point the increases stop.
Every individual can calculate their own full retirement age based on their specific birthday, to consider locking in the maximum amount of Social Security benefits.
How To Get A Social Security Card
How Do Benefits Work And How Can I Qualify
While you work, you pay Social Security taxes. This tax money goes into a trust fund that pays benefits to:
Those who are currently retired
To people with disabilities
To the surviving spouses and children of workers who have died
Each year you work, youll get credits to help you become eligible for benefits when its time for you to retire. Find all the benefits Social Security Administration offers.
There are four main types of benefits that the SSA offers:
Learn about earning limits if you plan to work while receiving Social Security benefits
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.
Click Create An Account
Supply your valid email address, Social Security number, and domestic U.S. postal address in the page. Check your work. If the information entered is accurate, click next.
The next screen will ask you to verify your identity. Type your name into the page. Review the information you entered and correct any typographical errors. Click next.
The secure site will quickly verify your information and prompt you to the next screen.
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How Do I Sign Up For Medicare Part B If I Already Have Part A
If you are already enrolled in Medicare Part A and you would like to enroll in Part B under the Special Enrollment Period , you can apply online at Apply for Medicare Part B Online during a Special Enrollment Period. You can upload your application and documents that verify your group health plan coverage through your employer.
You can also fax or mail your completed CMS-40B, Application for Enrollment in Medicare Part B and the CMS-L564, Request for Employment Information enrollment forms and evidence of employment to your local Social Security office. If you have questions, please contact Social Security at 1-800-772-1213 .
Note: When completing the forms CMS-40B and CMS-L564:
- State I want Part B coverage to begin in the remarks section of the CMS-40B form or online application.
- If your employer is unable to complete Section B, please complete that portion as best as you can on behalf of your employer without your employer’s signature.
- Also submit one of the following forms of secondary evidence:
- Income tax returns that show health insurance premiums paid.
- W-2s reflecting pre-tax medical contributions.
- Pay stubs that reflect health insurance premium deductions.
- Health insurance cards with a policy effective date.
- Explanations of benefits paid by the GHP or LGHP.
- Statements or receipts that reflect payment of health insurance premiums.
How Do I Sign Up For Medicare
If you already get Social Security benefits, well automatically enroll you in Medicare Hospital Insurance and Medical Insurance . Well mail you all the information you need a few months before you become eligible.Note: Residents of Puerto Rico or foreign countries wont automatically receive Part B. They must elect this benefit.If you dont get Social Security benefits and are not ready to apply for them yet, you should sign up for Medicare three months before your 65th birthday.The easiest way to apply for Medicare is by using our online application.If you dont wish to apply online, make an appointment by calling us at 1-800-772-1213 , 8:00 am 7:00 pm, Monday through Friday.Important Information about Medical Insurance CoverageBecause you must pay a premium for Part B coverage, you can turn it down. However, if you decide to sign up for Part B later, your coverage can be delayed and you may have to pay a late enrollment penalty for as long as you have Part B coverage. Your monthly premium will go up 10 percent for each 12-month period you were eligible for Part B, but didnt sign up for it unless you qualify for a special enrollment period.More Information
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What Services Are Available Through My Social Security
The Social Security online service is available to those receiving benefits as well as those contributing to the program. For those who dont want to worry about checking their mailbox for their annual Social Security Statement or other notices available online, you can opt out of those mailings through your my Social Security account.
In most states, the my Social Security service allows you to request a new Social Security card, that is if you dont need to make any changes to the information on the card, specifically your name. That needs to be done in person at a Social Security office. For beneficiaries of Medicare, you can also request a new card through the online portal.
Importantly for those who are not yet receiving benefits, you can check how much youve put into your account toward future benefits. The online service provides a tool that you can use to estimate what your future benefits will be based on contributions made to date, depending on when you retire.
Considering #retirement at the end of this year? Plan for your future with your personal #mySocialSecurity account and estimate your future retirement benefits at different ages or dates. Check it out now:
Additionally, if you have applied to begin receiving benefits, to check your application status.
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.
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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.
When Should You Retire
To draw full retirement benefits, the following Social Security Administration age rules apply:
Born in 1937 or earlier – Full retirement can be drawn at age 65Born in 1938 – Full retirement can be drawn at age 65 years and 2 monthsBorn in 1939 — Full retirement can be drawn at age 65 years and 4 monthsBorn in 1940 — Full retirement can be drawn at age 65 years and 6 monthsBorn in 1941 — Full retirement can be drawn at age 65 years and 8 monthsBorn in 1942 — Full retirement can be drawn at age 65 years and 10 monthsBorn in 1943-1954 — Full retirement can be drawn at age 66Born in 1955 – Full retirement can be drawn at age 66 and 2 monthsBorn in 1956 — Full retirement can be drawn at age 66 and 4 monthsBorn in 1957 — Full retirement can be drawn at age 66 and 6 monthsBorn in 1958 — Full retirement can be drawn at age 66 and 8 monthsBorn in 1959 — Full retirement can be drawn at age 66 and 10 monthsBorn in 1960 or later — Full retirement can be drawn at age 67
Remember that while you can begin drawing Social Security retirement benefits at age 62, your benefits will be 25 percent less than what they will be if you wait until your full retirement age as shown above. Also keep in mind that no matter when you start drawing Social Security benefits, you must be 65 to be eligible for Medicare.
For example, people who waited until age 70 to retire in 2017 could get a maximum benefit of $3,538.