Wednesday, June 15, 2022

How To Figure Out Your Social Security Number Online

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Why Do I Need To Know How To Calculate My Social Security Benefits

How to Find a Social Security Number

So you may be thinking, Why do I need to know how to calculate my own Social Security benefits? After all, the SSA will give me an estimate at any time.

Thats true! You can go to your My SSA account online and see an up-to-date copy of your benefits estimate. So why would you need to know how to do this calculation on your own?

Its important for a few reasons.

First, it never hurts to understand the mechanics behind an income stream thatll probably be a large part of your overall retirement income.

Secondly, your benefits estimate from the Social Security Administration is probably wrong. This is because their estimation methodology has two serious flaws: 1) They assume your future earnings wont increase2) They use todays social security formula

This means that these estimates are less accurate for younger workers but more reliable for workers who are close to retirement.

So, understanding how to do this calculation is especially important if you plan to retire early or later than normal or if you have a significant earnings change in the last few years of working.;

To do this calculation, there are only four steps.

  • Adjust all earnings for inflation
  • Calculate your Average Indexed Monthly Earnings
  • Apply your AIME to the benefit formula to determine primary insurance amount
  • Adjust PIA for filing age
  • I Can’t Remember My Child’s Social Anyway We Can Look It Up

    If you had your child as a dependent on a previous tax return, you can find their SS number there.

    Otherwise, you need to Contact the Social Security Administration at www.ssa.gov.

    Social Security numbers are confidential information, so they are not available online, except from some fee-based services that I don’t think that I would trust.

      Using Your Benefit Estimates

      As your statement will show, your Social Security retirement benefits will vary depending on when you claim them before or after your full retirement age . The longer you wait to start receiving payments, the higher your benefit amount will be.

      However, it’s not always better to wait until your full retirement age to claim your Social Security benefits. If you need your Social Security benefits for living expenses, or you have a health condition that makes it unlikely that you will live past age 75 or so, you may be better off collecting your benefits sooner rather than later. You can use a calculator at the Social Security website to see which retirement age makes the most financial sense for you .

      For comprehensive practical information about how and when to claim Social Security benefits, see Social Security, Medicare & Government Pensions, by Joseph Matthews with Dorothy Matthews Berman .

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      Apply For A Social Security Number For Immigrants

      Apply for an SSN with your immigrant visa

      Your may request a Social Security card as part of your visa application. When filing Form DS-230 or Form DS-260 , there is option to request a Social Security number. If you have selected this option, you do not need to submit a special application or go to a Social Security office to get a card.

      The Social Security Administration will assign you an SSN and issue you a card after you arrive in the United States. They will mail the card to the same U.S. mailing address where the Department of Homeland Security will send your green card. You should receive your Social Security card within 3 to 4 weeks after you arrive in the United States. If you do not receive the card by mail, contact the Social Security at 1-800-772-1213.

      Apply for an SSN when filing Form I-765

      Your may be able to apply for a Social Security Number at the same time you apply for employment authorization. If you need to file Form I-765 with the U.S. Citizenship and Immigration Services , you can request an SSN at the same time. Many adjustment of status applicants or DACA recipients use this method to request a Social Security Number.

      Your Personal Mysocial Security Account Is For Your Use Only

      Social Security numbers never start with 000 or 666: Money ...

      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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      Can I Search For A Bank Account Without A Social Security Number

      Absolutely. If you have received a judgment from a court to seek repayment from a judgment debtor, you can obtain their bank account information with their social security number. If you do not have the social security number of your judgment debtor, there are options available from services like Writ Ready. Our professionals have the means and experience to track down the social security number AND bank account information of any judgment debtor across the nation.

      What Do I Do If I Dont Remember My Social Security Number

      If you cannot remember your Social Security number, the first thing you might be wondering is how to find your Social Security number. The quickest thing to do is find your Social Security card so that you can read your number from it. If you have misplaced or lost your card, then you should check your tax returns, W-2, or bank statements to locate your number. These documents will often contain your number. If you still cannot find it, then head down to your local SSA office to request a replacement card and get access to your number.

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      Someone May Be Using Your Ssn

      Quick Links

    • Someones Got Your Number What Can You Do?
    • People can use your Social Security Number to access bank accounts, open new accounts, and more. If this is happening it may go undetected.

      A lot of times there are indications that something is amiss. These are the top five signs your information has been compromised.

      Apply For Cpp Death Benefit

      How to Calculate Your Social Security Benefits

      You can apply for a CPP death benefit online by signing into or registering for MSCA.

      You will not be able to apply online if:

      • you live outside of Canada
      • you are a registered trustee, guardian, or other legal representative. These representatives may act on a clients behalf in person, by mail or by phone, but not online
      • the deceased contributors province of residence at the time of death is Québec

      If you are unable to apply online, you can:

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      Shred Mail And Documents With Personal Details

      Discarded mail and documents are a magnet for identity thieves. Dont just throw out papers that contain personal details such as your SSN. Get a paper shredder and use it on a regular basis. While youre at it, dont leave mail in an outside mailbox for long periods. Stealing mail is another way thieves can make off with your information.

      Service Changes Due To Covid

      We urge you not to visit Service Canada Centres unless absolutely necessary.

      Ask us to help you with the following programs by using;eServiceCanada:

      • Employment Insurance
      • Canada Pension Plan , Old Age Security , Guaranteed Income Supplement benefits
      • Social Insurance Numbers
      • immediate request for a Passport Service
      • Veterans Affairs Canada Services

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      Are Social Security Numbers Considered Public Records

      As we stated, Social Security Numbers ARE NOT public records and should be kept secure and private. It is classified as personally identifiable information, such as drivers license numbers and passport ID numbers.

      Conversely, public records are those considered to be publicly available and are generally provided at county courthouses, such as real property records, most criminal records, and bankruptcies, tax liens and judgments, respectively.

      Getting Your Benefits Verification Letter Using Your My Social Security Account

      It

      You need a benefits verification letter as:

      • Proof of income when you apply for assisted housing, a mortgage,a loan, or any other state/local benefits
      • Proof of current Medicare or insurance coverage
      • Proof of retirement or of your disability
      • Proof of age
      • You can also get a benefits verification letter that states that you didnt receive Social Security Disability benefits, SSI or Medicare
      • Your benefits verification letter will also show that you were getting benefits in the past but you no longer get them. The letter will show when your benefits ceased as well as the amount of benefits you got for the year.
      • You benefit letter can also be used as proof that you applied for your benefits but you havent been given any answer yet.

      To request for your verification letter

      • You need to sign in to your My Social Security account
      • You Benefits verification letter will be displayed and now you can either take a printout of it, or you can download it and save it on your device.

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      How To Find Your Social Security Number Online

      The Social Security Number is a number that the U.S. government provides to all permanent residents, citizens and temporary residents. This number is required if you are applying for a new job or if you want to receive Social Security benefits or services from banks and credit card companies. Finding your SSN online is a simple process and can be done in a few steps.

      Avoiding Social Security Fraud: Leave Your Social Security Card At Home

      Once you receive your replacement Social Security card, lock it away in a safe place until you absolutely need it. Experts advise to avoid carrying your card around on a regular basis partly because of the risk of losing it again, and partly because you really dont need to present your Social Security card on a regular basis. In fact, one Social Security expert says that Social Security cards are irrelevant in the digital age, and the real priority should be targeted at fraud protection.

      Its extremely rare that you need your actual Social Security card, says Steven J.J. Weisman, Esq., an Amherst, Massachusetts-based college professor whose expertise is in investigating white-collar crime. A Social Security number is the most important piece of information that a criminal can use to make you a victim of identity theft so you shouldn’t carry it with you in your wallet, anyway.

      But if you do lose your card, Weisman recommends taking direct action to protecting the cardholder from financial fraud.

      Because of the danger of identity theft if your Social Security card is lost, you should put a credit freeze on your credit reports at each of the three major credit reporting agencies in order to prevent someone from leveraging the Social Security number into accessing your credit or establishing accounts in your name, he says.

      Other data security experts agree, citing the high risk of losing a card if you cart it around in your wallet or pocketbook.

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      Social Security Cards: Documents Required To Obtain A Social Security Number And Card Or A Replacement Card

      April 2021: All local Connecticut Social Security offices will be closed to the public for in-person service unless you have an appointment. Appointments will be for specific situations where dire needs exist. To locate local site numbers and information please use the website Federal agency administers retirement, survivors, disability, and Medicare benefit provisions of the Social Security Act.

      If an individual is unable to conduct business online, check the online ;field office locator for specific information about how to directly contact a local office in your area. The National 800 number is 1-800-772-1213 and; .

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      The following information was obtained from the U.S. Social Security Administrations web page at: .

      To Obtain a New Social Security Number and Card you will need to provide at least two documents to prove age, identity, and U.S. citizenship or current immigration status.

      The new online service allows individuals to get replacement Social Security cards through the Social Security Administration website at:;www.socialsecurity.gov/ssnumber

      To Obtain a Replacement Card, if lost or stolen, you must prove your identity and U.S. citizenship.

      To prove identity: Social Security must see:

      • U.S. drivers license; or
      • State-issued non-driver identity card; or
      • U.S. passport.
      • Employee ID card;
      • Letter from doctor, with your name, address, social security number and doctors name, address, and signature

      Log Onto The Us Search Website

      How To Find Someone’s Social Security Number | Lookup SSN by Name

      Log onto the U.S. Search website. This is also a site where you can input your information to retrieve your SSN. There is a link to this site in the Resources section. Click on the link and when you arrive on the main page input your full name, age and location. Click on “Search” and you will be taken to a new page where you can acquire your SSN and other data for a fee.

      Take care with businesses that offer to provide Social Security numbers for a fee. Some of these sites may offer few safeguards regarding the privacy of your personal data, and your SSN is not something you want to be taking any risks with. The Social Security Administration is the best place to get a replacement card and they currently offer this service for free.

      References

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      Use It To Get Benefits Estimates Replacement Cards And Other Vital Services

      by Kenneth Terrell and Patrick J. Kiger, AARP, Updated July 19, 2021| 0

      En español | Whether youre already receiving benefits or are years away from retirement, its important to keep an eye on your account with the Social Security Administration to ensure you will collect what you have earned. But with local offices largely closed because of the COVID-19 pandemic and lengthy wait times on the phone help line, tracking and managing your benefits can be difficult if you havent set up an online My Social Security account.

      This story was produced in collaboration with;Senior Planet, which helps people 60 and older learn technology skills to reach their goals, to find community and to thrive in the digital world. Join us for;50-plus free virtual programs each week;to learn about a wide range of topics, such as podcasts, telemedicine, saving money, getting in shape and making friends.

      Taking a few minutes to create this account will give you more control of your benefits while saving you time. Now that the SSA has mostly stopped sending out paper benefit statements, an online account is the primary way people can keep track of their retirement benefits.;As of July 2021, nearly 60 million people have My Social Security accounts, according to SSA data. You can use your account to:

      Its important to note that while you cannot use a My Social Security account directly to apply for benefits, there is a link to start receiving retirement benefits on the SSA website.

      Is There A Maximum Benefit

      Yes, there is a limit to how much you can receive in Social Security benefits. The maximum Social Security benefit changes each year. For 2021, itâs $3,895/month for those who retire at age 70 . Multiply that by 12 to get $46,740 in maximum annual benefits. If that’s less than your anticipated annual expenses, youâll need to have additional income from your own savings to supplement it.

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      Social Security Calculation Step : Aime Calculation

      Now, all you have to do is extract the highest 35 years of indexed earnings.

      If youre still working and dont have 35 years, youll need to estimate what your future earnings will be and apply the indexing factors just as you would for actual historical earnings. This is where you can start to play around with the numbers to see the various impacts of retiring early, or working later or maybe having variable earnings close to retirement.

      Once you have your highest 35 years in the last column, you just need to sum them up and divide by 420. You divide by 420 because thats the number of months in 35 years and we need to get your average earnings expressed as a monthly number.

      Once you do this, congratulationsyou have your AIME and have finished the first step of the calculation. Its downhill from here.;

      NOTE: If you die before accumulating 35 years of earnings, there is an alternate calculation. See my article If You Die Early: How To Calculate Social Security Survivors Benefits.

      Contact The Internal Revenue Service

      Social Security

      You may also want to contact the Internal Revenue Service if you suspect an identity thief has filed a tax return in your name to get a refund. The IRS should also be on your list of contacts if you suspect someone is using your number for work purposes. Otherwise, the IRS could think you failed to report income when you file your own tax return. Use the IRS Identity Theft Central website or call 800-908-4490.

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