When Can You Collect Social Security
Many people still think of age 65 as the age to retire, but that has changed. To collect full benefits, you cannot apply for Social Security until you are:
- 65, if born in 1937 or earlier
- 65 and 2 months, if born in 1938
- 65 and 4 months, if born in 1939
- 65 and 6 months, if born in 1940
- 65 and 8 months, if born in 1941
- 65 and 10 months, if born in 1942
- 66, if born in the 19431954 range
- 66 and 2 months, if born in 1955
- 66 and 4 months, if born in 1956
- 66 and 6 months, if born in 1957
- 66 and 8 months, if born in 1958
- 66 and 10 months, if born in 1959
- 67, if born in 1960 or later
If you delay retirement beyond these limits , then you will receive increased Social Security benefits, up to 32% more. You can also choose to start collecting Social Security benefits as early as age 62, but your benefits will be reduced.
Submit A Request For Reconsideration Of A Decision
If you disagree with a decision in relation to your application for a CPP, CPP disability or OAS benefit, you may ask us to reconsider our decision.
To submit your request online:
- sign in to your MSCA account
- navigate to the Canada Pension Plan / Old Age Security section
- select Request for reconsideration
Apply For The Old Age Security Pension And The Guaranteed Income Supplement
To apply online, you must:
- be at least one month past your 64th birthday
- not be receiving the OAS pension
- not yet have applied for the OAS pension
- live in Canada
- not have a legal representative on your account
If you cant apply online:
- mail the application to Service Canada, or
- bring it to a Service Canada Centre and an employee can certify your documents
Note:Gather the information you need before you begin. Once you start the application, you cant save it and continue later. Your session will expire after 20 minutes of inactivity. This time starts when your computer mouse stops moving and resets when it is moved.
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How Can I Get A Social Security Statement That Shows A Record Of My Earnings And An Estimate Of My Future Benefits
You can get your personal Social Security Statement online by using your mySocial Security account. If you dont yet have an account, you can easily create one. Your online Statement gives you secure and convenient access to your earnings records. It also shows estimates for retirement, disability and survivors benefits you and your family may be eligible for. To set up or use your account to get your online Social Security Statement, go to . We also mail paper;Statements;to workers age 60 and older three months before their birthday if they dont receive Social Security benefits and dont yet have a;mySocial Security account. Workers who dont want to wait for their scheduled mailing;can request;their;Social Security Statement;by;following these instructions.;The;Statement;will arrive by mail in four to six weeks.
How Can I Get A Form Ssa
An SSA-1099 is a tax form we mail each year in January to people who receive Social Security benefits. It shows the total amount of benefits you received from Social Security in the previous year so you know how much Social Security income to report to IRS on your tax return.
If you are a nonresident alien and you received or repaid Social Security benefits last year, we will send you form SSA-1042S instead.
The forms SSA-1099 and SSA-1042S are not available for people who receive Supplemental Security Income .
If you currently live in the United States and you need a replacement form SSA-1099 or SSA-1042S, we have a new way for you to get an instant replacement quickly and easily beginning February 1st by:
- Using your online mySocial Security account. If you dont already have an account, you can create one online. Go to . Once you are logged in to your account, select the “Replacement Documents” tab;
- Calling us at 1-800-772-1213 , Monday through Friday, 8:00 am 7:00 pm; or
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Find Out Your Estimated Social Security Benefits
Periodically checking your estimated Social Security benefits serves several purposes: It helps you plan for retirement and allows you to check for and correct errors.
The Social Security Administration keeps a database of your earnings record and work credits, tracking both through your Social Security number. You can see this information on your Social Security Statement, which is available to everyone age 25 and over. The Social Security Statement also gives you an estimate of the benefits you’ll receive at retirement age, which can play an important role in your financial planning.
How Can You Get A Copy Of Your 1099 Social Security Benefit Statement
The Social Security Administration mails out Form SSA-1099 each January to everyone who receives Social Security benefits, reports the SSA. Individuals are able to obtain replacement Form SSA-1099 through their online My Social Security account, by phone or in person at a local Social Security office.
To create a My Social Security account and obtain a Form SSA-1099, go to the main page of SSA.gov, click on the My Social Security icon, scroll down, and click on Create an Account, according to the SSA. Read and agree to the terms of service, and enter your personal information such as Social Security number, age, email address and mailing address. After logging into the account, select Replacement Documents to find Form SSA-1099. To find a phone number to request a Form SSA-1099, or to find the address of a local Social Security office, click on Contact Us under Items of Interest on the SSA.gov main page.
Taxpayers use Form SSA-1099 to find out if their Social Security benefits are taxable, reports the IRS. To calculate the taxable amount of Social Security benefits, taxpayers add half the benefit amount to the total of all their other income and compare the result on an IRS worksheet. Social Security recipients may have to pay taxes on 50 to 85 percent of their benefits as of 2015, depending on their income.
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Check The Social Security Administration’s Math
Your statement includes a record of the earnings on which you’ve paid taxes and an estimate of the benefits you will receive at various retirement ages: 62, 67, and 70. It is always wise for you to check the SSA’s numbers. Don’t be surprised if you uncover an error. Some government-watchers estimate that the SSA makes mistakes on at least 3% of the total official earnings records it keeps.
When you check your record, make sure that the Social Security number noted on your earnings statement is your own, and make sure the earned income amounts listed on the agency’s records mesh with your own records of earnings as listed on your income tax forms or pay stubs.
Apply For Cpp Disability Benefits
To apply online, you must:
- be over the age of 18 and younger than 66 years
- have made CPP contributions
- have a Canadian address
Note: The Online CPP disability benefits application lets you save the progress made on your application after each completed section. You can come back to it within 90 days. This allows you to finish your application in multiple sessions.
You will not be able to apply online if:
- you live in Quebec and have contributed to both the CPP and QPP
- you are already in pay for CPP disability benefits
- you do not have a Canadian address
- your disability benefit was terminated because you returned back to work less than 2 years ago
- you have a payee on file
- you are under the control of a trustee
If any of the above applies to you, you will need to:
After you apply, you may sign in to your MSCA at any time to submit documents in support of your application for CPP disability benefits.
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How Can I Get A Benefit Verification Letter
If you need proof that you get Social Security benefits, Supplemental Security Income or Medicare, you can get a benefit verification letter online by using your mySocial Security account.;This letter is sometimes called a “budget letter,” a “benefits letter,” a “proof of income letter,” or a “proof of award letter.” You can also get proof that you have never received Social Security benefits or SSI or proof that you have applied for benefits.
To create or sign in to your account to get a benefit verification letter, go to;. You will be able to view, print, and save the letter immediately. If you receive benefits or have a pending application, you will have the option to request to have a copy mailed to you within 10 business days. We will mail your benefit verification letter to the address we have on file. If your address is incorrect in our records and you get Social Security benefits, you should update your address through your personal mySocial Security account, or by contacting us to update your address. If you get SSI benefits, you will need to contact us to update the address.
You cannot get a benefit verification letter online for another person, such as a spouse or child, unless the person is a beneficiary for whom you are an active representative payee.
If you cant or dont want to use your mySocial Security account, or you need a letter for someone other than yourself, you can call us at;1-800-772-1213 , Monday through Friday from 8:00 am to 7:00 pm.
What Is A Social Security Benefit Verification Letter
The Benefit Verification letter, sometimes called a “budget letter,” a “benefits letter,” a “proof of income letter,” or a “proof of award letter,” serves as proof of your retirement, disability, Supplemental Security Income , or Medicare benefits. You may use your letter for loans, housing assistance, mortgage, and for other income verification purposes. You can also use it to prove that you don’t receive benefits, have applied for benefits, or that you have never received Social Security benefits or SSI.
In addition to name, date of birth, and the benefits received, the Benefit Verification letter includes other identifiers to prevent misuse and fraud.
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Request The Social Security Record Of A Deceased Spouse To Confirm Earnings Credits
Its each citizen or legal aliens responsibility to check his or her Social Security earnings record on a regular basis. How much you actually earned and contributed to Social Security might differ from the information Social Security has in the Social Security record.
If your now deceased spouse was self-employed and delayed filing net income returns for any reason, current Social Security records might not reflect an accurate picture of how much he or she earned. You can request the deceased individuals Social Security record to verify the information. If the statute of limitations for reporting all of his or her earnings hasnt elapsed, you can correct the information. Consult a financial adviser about your situation.
Apply For A Cpp Retirement Pension
While applying, you may now:
- add a federal voluntary tax deduction
- request to receive your tax slips online, rather than by mail
- request the child-rearing provision
You will not be able to apply online if:
- you are not, at least 1 month past your 59th birthday
- you are receiving a CPP retirement pension
- you have already applied for the CPP retirement pension and Service Canada is assessing your application
- you are or were receiving a CPP disability benefit
- you were receiving a benefit that was paid to a designated third party
- you live outside of Canada
- you only have QPP contributions
- you are a CPP and QPP contributor residing in Quebec
- you have an authorized third party on your account
If any of the above applies to you, you will need to :
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Request For A Social Security Statement
If you dont want to wait for your Social Security Statement to be mailed to you, you may sign up to get your Social Security Statement online. You also may be able to estimate your retirement benefit using our online Retirement Estimator.
If you would like to receive your Social Security Statement by mail, please print and complete a “Request For Social Security Statement” and mail it to the address provided on the form.
You should receive your paper Social Security Statement in the mail in four to six weeks.
If you were unable to create or encountered a problem with your mySocial Security account, you may visit a local office or call 1-800-772-1213 for help.
Need A Copy Of Your Social Security Form For Tax Season Heres How To Get One
Looking for your tax forms, like your W-2 or 1099-MISC? Most tax forms should be in your mailbox or on their way – but if you dont have them in hand just yet, there are steps that you can take to make sure that you have what you need when its time to file.
If youre looking for your annual Benefit Statement from the Social Security Administration , youre in luck: things just got a little easier. Your form SSA-1099, Social Security Benefit Statement, or form SSA-1042S, Social Security Benefit Statement , should land in your mailbox by the end of January. But if you havent received your form yet and you live in the United States, you can print a replacement form online.;
Simply click over to;my Social Security;on the SSA website.;If you dont already have an account, click the button to start. If you already have an account, simply log in to your account to view and print the form.
To create an account, youll need to have the following information handy:
- A valid email address;
- Your Social Security number; and
- A U.S. mailing address.
How To Get A Copy Of Your Social Security Statement
The SSA mails out Social Security Statements to follks age 25 and over before their birthdays during their 25, 30, 35, 40, 45, 50, 55, and 60 years. For those age 60 until retirement, the SSA will send out statements every year. You can also go online to get a copy of your statement or view it online. Go to www.ssa.gov/mystatement/ and open an account with Social Security to view your statement.
Social Security Disability Benefits
The definition of disabled held by the SSA is quite strict. You only qualify for Social Security disability benefits if you are severely disabled with a condition that entirely prevents your workingand is expected to last a year or longer or result in your death.
You also must have earned enough credits to receive payments. If you are at least age 62, you will need to have earned the full 40 credits to qualify for disability payments. Younger applicants require fewer credits, down to a minimum of six credits for those younger than 24. You also need to have been working when the disability began. Your spouse and children may qualify for benefits as well, potentially receiving up to half of the amount to which you are entitled each month.
If approved, then your disability benefits will begin six months after the date when your disability began. Payments are based on your lifetime earnings.
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Request A Deceased Individuals Social Security Record After Divorce
If your ex-husband or wife was married to you for at least 10 years, and you meet certain age and/or disability and other requirements, you may claim survivors benefits from Social Security. How much the ex-spouse earned over a lifetime is essential information to computing your survivors benefits. It doesnt matter if the now-deceased former spouse remarried. You may still apply for Social Security survivors benefits:
- You must be at least 60 years old to apply for a former spouses Social Security survivors benefits. If you remarried after divorcing him or her, you cant request survivors benefits.
- Importantly, if you care for a young child of the marriage, or a disabled child of the marriage, or a child that you and the ex-spouse legally adopted, the age limit may not apply. This circumstance may qualify you as a surviving divorced parent and also affect the amount of Social Security survivors receive on the workers earnings record.
- If youre approved for survivors benefits and you later remarry , the benefits you receive from Social Security can be affected. If you remarry after age 60 and you currently receive widow/widower benefits, these benefits may continue.
Social Security Survivor Benefits
Even after you die, Social Security can continue to pay benefits to your spouse and childrenand even to your parents, if you were supporting them. For your family to receive survivor benefits, youll need to have earned at least six Social Security credits in the three years before your death.
Along with a one-time lump-sum payment of $255, your surviving spouse and children may each qualify for 71.5% to 100% of your Social Security payments, up to a maximum of 150% to 180% of your benefit rate. Eligibility for survivor benefits requires that:
- Surviving spouse is at least 60 or older
- Surviving spouse is 50 or older and disabled
- Surviving spouse is caring for your child who is younger than 16 or disabled
- Children who are younger than 18
- Children younger than 19 and enrolled in elementary or secondary school
- Children older than 18 who are severely disabled
- Your surviving parents if they were dependent on you for at least half of their support
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