Thursday, September 29, 2022

How To Get My Social Security

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Make Payments To The Federal Government

How to look up your Social Security statement online

Learn how to use Pay.gov to make secure, electronic payments to government agencies from your checking or savings account. You can use the online service for VA medical care copayments, U.S. district court tickets, U.S. Coast Guard merchant mariner user fee payments, and more.

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Get Ssa Benefits While Living Overseas

U.S. citizens can travel to or live in most, but not all, foreign countries and still receive their Social Security benefits. You can find out if you can receive benefits overseas by using the Social Security Administrations payment verification tool. Once you access the tool, pick the country you’re visiting or living in from the drop-down menu options.

Delay Your Benefits Claim

Putting off the time you start your checks can help you to get a benefits boost.

  • You’ll receive your standard benefit if you first start getting retirement checks at full retirement age . That’s between 66 and 2 months and 67, and is based on your birth year.
  • You’ll receive a reduced benefit if you claim before FRA. The reduction is 5/9 of 1% per month up to 36 months early, and then an additional 5/12 of 1% for each additional month.
  • You’ll receive a benefit increase of 2/3 of 1% per month for each month you wait to file for benefits after FRA until age 70.

If your full retirement age is 67 and you wait until then to start your checks instead of claiming at 62, you’ll avoid a 30% cut to benefits. And if you wait until 70 instead of claiming at an FRA of 67, you’ll get a 24% increase from the standard benefit that would’ve been available at 67.

If your goal is to beat the average benefit most people receive, it makes sense to delay the start of your checks to raise your monthly income as much as you can.

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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 .

  • Trade
  • Be Strategic About How Long You Work

    How Long Does It Take To Get My Social Security Benefits ...

    Social Security always uses the same formula that bases benefits on average wages in 35 years. This is true whether you work 15 years or 45 years. The difference is, those who work fewer than 35 years end up with wage years of zero included in the average wage that sets their benefits. And those who work longer will have more-than-enough years of income, so some of their lowest earning years won’t count and drag their average down.

    Often, wages you’re earning later in life are higher even on an inflation-adjusted basis than what you earned earlier in your career. When that’s the case, continuing to work at that higher salary can boost your benefit, potentially to a level well above the $1,657 average.

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    Protecting Your Benefits From Swindlers

    To prevent fraud, Social Security will send you a one-time verification code by text or email each subsequent time you log in. The SSA implemented this process in 2017 to guard against unauthorized use and identity theft.

    Thats because scammers who have your Social Security number and address can go online and set up a My Social Security account in your name, if you havent already done so. The big risk is if youre 62 or older. Thieves could start collecting your retirement benefits, and you might not find out about it until years later when you apply for Social Security.

    Only one account is permitted per Social Security number, so claiming your account early is key. People need to plant their flag, because someone could just sign up for you, cybersecurity expert Brian Krebs, who runs the Krebs on Security website, told AARP in 2018.

    Krebs said that in Social Security identity theft cases hes seen, the victims ultimately had to visit a Social Security office to resolve the problems.

    If you suspect you have been the victim of identity theft, you can report this to the SSA Office of the Inspector General or visit the Federal Trade Commissions Identity Theft.gov information site.

    Patrick J. Kiger is a contributing writer for AARP. He has written for a wide variety of publications, including the Los Angeles Times Magazine, GQ, Mother Jones and websites of the Discovery Channel and National Geographic.

    Also of Interest

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    Delay Your Claim By 11 Months

    The third way to boost your monthly social security claim is to delay your claim beyond full retirement age .

    This is when you can claim your benefit in full.

    If you were born in 1960 or later, that age is 67. For others, it’s 66 and a specific number of months.

    You can check your retirement age on the Social Security Administration website.

    If you claim early at the age of 62, you’ll get a smaller monthly check compared to if you wait until full retirement age.

    For those turning 62 in 2021, the reduction is nearly 30%.

    Each month that you wait after this means a smaller reduction from your regular full retirement age benefit.

    In this case, by waiting until you’re 62 and 11 months old, you can receive roughly $100 more.

    In other words, you’ll need to find a way to manage without social security for nearly a year.

    This isn’t suitable for all households either, but if possible, it means your payments will be higher for the rest of your life.

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    Applying For Card In Person

    My Social Security | How to Create an Account – 2021 Update

    Applicants that have questions or need assistance can call 1-800-772-1213 .

    Tips

    • Whether applying for a Social Security card replacement online or applying in person at a local SSA office, applicants should receive the card within 10 to 14 days from the date SSA processes the application. Applicants can ask their local SSA office if it can help facilitate this process.

    References

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    Limitations Of The Social Security Debit Card

    While you can use the Direct Express Social Security debit card for the majority of your purchases, there are some limitations. You can use your card for online purchases as long as the retailer accepts MasterCard debit as a payment method. To use your card for gas purchases, you must pay the clerk inside the gas station you cannot pay at the pump. If you use your Direct Express card to rent a car, the car rental agency will place an authorization hold on up to $500 of your funds. The authorization hold will be released when you return the rental car, but the money might not get back to your account for up to two weeks. In addition, the car rental agency may request additional documentation because youre not using a credit card.

    Depending on the merchant, you may experience a hold or block on your account when renting a car or reserving a hotel room. Companies place these holds in order to decrease their risk. Speak to the rental agent or clerk when paying, to find out when the block will be removed .

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    Original Card For A Us Born Child

    Important

    Social Security must verify a birth record for all U.S.-born applicants who apply for an original SSN. An exception is made for a parent who applies for a baby’s SSN at the hospital when the baby is born. To verify a birth record, we will contact the office that issued it.

    All documents must be either originals or copies certified by the issuing agency. We cannot accept photocopies or notarized copies of documents. We also cannot accept a receipt showing you applied for the document.

    Get a certified copy of a document showing a birth, marriage or divorce that took place in the United States.

    Adoption

    In some cases, we can assign your adopted child a number before the adoption is complete, but you may want to wait. Then, you can apply for the number using your child’s new name. If you want to claim your child for tax purposes while the adoption is still pending, contact the Internal Revenue Service for Form W-7A, Application for Taxpayer Identification Number for Pending U.S. Adoptions. For more information, see Social Security Numbers For Children .

    You May Be Able To Apply For A Replacement Card Online

    my Social Security  Sign In Or Create an Account

    You can use a to apply for a replacement Social Security card online if you:

    • Are a U.S. citizen age 18 or older with a U.S. mailing address
    • Are not requesting a name change or any other change to your card and
    • Have a drivers license or state-issued identification card from one of the many participating states or the District of Columbia.

    Note:

    If your drivers license or state-issued identification card was issued by one of the states listed below, this service is not yet available. If your state appears on this list, please check back. We are working to make this service available to additional states.

    • Alaska
    • Oklahoma
    • West Virginia

    This service is also not yet available if your drivers license or identification card was issued by a U.S. territory .

    If you are a U.S. citizen, and have not gotten a replacement Social Security card or name change recently, you may not be eligible to use the online replacement card application inmySocial Security.

    If you dont have a mySocial Security account, you can create one today. To set up your account, go to:

    If you do not qualify to apply online for a card, please follow the instructions in the next section.

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    How Do You Search For A Person

    Searching for a person can be as easy as a Google search or as difficult as hiring a legal professional. If time is a factor and you have an approved reason for searching for someone, a lawyer will have access to the most information available. Otherwise, its best to start with a Google search, followed by a social media search . The more information you have about a person , the easier your search will be. If youre able to find a close friend or relative of the person youre searching for online, try contacting them first before moving onto paid services.

    Not Receiving Social Security Administration Authentication Code How To Use E

    Some, but not all, RW phones stopped receiving the Two Factor Authentication codes required to sign onto individual mySocialSecurity accounts during early November, 2019. When trying to access your account at ssa.gov/myaccount the code required to complete signon is not received as a text message. The SSA page implies that a code may also be received via email, but: the only way to add email as an authentication channel is by requesting a new account activation code sent to your snail mail address, in 5-10 business days. Yes, SSA has your email and is sending notices to that email, but to get logged onto MySocialSecurity will take waiting for an account reset code via postal mail.

    I am running into this additional certification process in a couple of other places and I can not log in due to system not recognizing my phone number. I am told they do not accept VOIP phone numbers. These additional problems have me considering leaving RW. Not sure that I want to deal with creating Google Voice or whatever as a workaround. I am simple and I like simple things just working. It becomes frustrating.

    just went thru this myself when trying to apply for retirement benefits from SSA, it is EXTREMELY frustrating but it only took 3.5 weeks from request to reactivation letter arriving! I dropped my RW cell # from the authentication not worth my time to hassle with it even though my other government accounts work fine using RW cell text authentication.

    Thanks!

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    Save Yourself A Trip To The Social Security Office With A My Social Security Account

    News / FBNewsAugust 12, 2021

    An efficient alternative to a trip to a Social Security Administration office or even a phone call, a secure my Social Security account offers a myriad of helpful services and information online, whether you receive benefits from Social Security or not.

    This online tool allows you to obtain financial planning information as well as complete transactions. If youre not receiving benefits, through the portal you can request a replacement Social Security card, review your earnings history and see an estimate of your future Social Security benefits. You can also compare benefit amounts depending on what age you start receiving them and, when the time comes, apply for retirement benefits.

    If you are receiving benefits, along with requesting a replacement Social Security card or Medicare card, you can get a benefit verification or proof of income letter, change your address and set up or change direct deposit. You can also get a replacement Social Security 1099 form and opt-out of certain mailed notices.

    Your personal my Social Security account includes a secure message center where you can receive sensitive communications. For example, you can view your annual cost-of-living adjustments before you would normally receive them in the mail. You will receive both mailed and online notices unless you opt-out of receiving notices by mail that are available online.

    To set up a my Social Security account, go to .

    Same Day Replacements Cannot Be Issued Because Your Documents And Application Must Be Verified Before The New Card Is Issued In Order To Prevent Identity Theft

    How Do I Apply For My Social Security Retirement Benefits Online – Documents Needed To Apply For SSI

    24/08/2021 · select replace your social security card. Enter personal information such as name, ssn, date of birth, address, and state drivers license or id information. If you require your social security card the same day, then you do have other options. Citizen, but have not gotten a replacement ssn card or name change recently, you may not be eligible to use the online replacement card application in my social Are not changing the name on the card. The social security administration office will not accept photocopies, notarized copies of documents or You can request a replacement card online if you: All documents must be either originals or copies certified by the issuing agency. If you are a u.s. How to get a new social security card if yours was lost. 11/03/2021 · your new social security card will take some time to arrive in the mail. Answer the screening questions to confirm eligibility. Mailing address .

    17+ How To Get A New Social Security Card Pics. Are not changing the name on the card. The social security administration office will not accept photocopies, notarized copies of documents or 11/03/2021 · your new social security card will take some time to arrive in the mail. 08/06/2021 · getting a new card because of a change in your legal name or citizenship status does not count toward the limits. Have a my social security account.

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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.

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