Wednesday, September 28, 2022

How To Sign Up For Social Security Payments

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How Do You Make A Appointment At Your Local Social Security Office

How do I sign up for Social Security benefits?

Q) How do you make a appointment at your local social security office? I have the phone number but there is no option to make a appointment.

A) If you do not want to apply for social security benefits online, or you need to speak with a social security office representative for any other reason, you can schedule an appointment by: Calling 1-800-772-1213 between 7 a.m. to 7 p.m., Monday through Friday or call your local Social Security Office.

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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.

Apply For Retirement Benefits

Starting your Social Security retirement benefits is a major step on your retirement journey. This page will guide you through the process of applying for retirement benefits when youre ready to take that step. Our online application is a convenient way to apply on your own schedule, without an appointment. You can also apply by phone or by appointment at a Social Security office.

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How To Receive Federal Benefits

To begin receiving your federal benefits, like Social Security or veterans benefits, you must sign up for electronic payments with direct deposit.

If You Have a Bank or Credit Union Account:

  • Call the Go Direct Helpline at .

If You Don’t have a Bank or Credit Union Account:

Make Changes to an Existing Direct Deposit Account:

Learn how to make changes to an existing direct deposit account. You also may contact the federal agency that pays your benefit for help with your enrollment.

What Documents Do You Need To Apply For Retirement Benefits

my Social Security  Sign In Or Create an Account

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.

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Understanding Special Enrollment Period

If youre retiring you will also need a form filled out by your employer so you dont have a penalty. What you are technically doing is applying for what is called a Special Enrollment Period. This enables you to get your Medicare Part B set up outside of your initial enrollment period when you turned 65. Also, this form will show you have employer coverage also called group coverage. This will make it so you do not have to pay any penalties. Again, I make this easy to get the form. A link is located below where I have uploaded the form to my website. 4

Simply print this out and take it to your health benefits administrator. Its likely they have seen this form before and will know exactly what to do with it.

Social Security Benefits For Surviving Spouses

If your spouse was receiving Social Security benefits upon their death, you must report the death as soon as possible. You can call the Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m. on weekdays or visit your local Social Security office in person.

You are eligible for a one-time, lump-sum death benefit of $255 from Social Security if:

  • You were receiving benefits on your spouses record at the time of death, or
  • If you were living in the same household as your spouse at the time of death.

Any benefits received in the name of your spouse during the month of death or later must be returned to the Social Security Administration as soon as possible.

If your spouse worked long enough under Social Security, you may be eligible for Social Security benefits. You must be age 60 or older or disabled and 50 or older to qualify.

How much youll receive depends on the percentage of your spouses benefit as well as your age and the type of benefit youre eligible for.

You must apply for survivor benefits in person. You can call Social Security at 1-800-772-1213 to request an appointment.

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How To Find Out How Much I Paid Into Social Security

Payroll taxes, paid by wage-earners as well as employers, go to fund the Social Security retirement system. If youre self-employed, you pay into the system with self-employment taxes, calculated on your federal return. The Social Security Administration provides an easy way to check a current estimate of your retirement benefit, and find out how much youve paid in over the years.

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Factors That Affect How Much Youll Get In Retirement

How To Sign Up For My Social Security Account Online

Most retirees rely on Social Security. One in four gets 90% of their retirement income from the program. About half rely on it for 50% of their income.

Although Social Security is only one part of a secure retirement plan, its helpful to get a rough idea of how much you can expect. If youre eligible for Social Security, your monthly benefit is based on two factors:

  • How much money you earned during your working career
  • The age you choose to start getting payments

Lets look at how each of these affects your future Social Security income.

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Can You Still Work While Receiving Social Security

You can continue to work while you receive Social Security benefits. But there is a limit to how much you can earn and still receive full benefits. The earning limit may be adjusted each year.

If you earn above the limit, Social Security will deduct a certain amount of your benefits each year.

Social Security Benefits, Earning Limits and Penalties

SSA deducts $1 from your benefits for every $3 you earn above the limit

How Do You Apply For Social Security Benefits

If you are eligible for Social Security benefits, you can apply online, by phone or by appointment at a local Social Security office.

How to Apply for Social Security Benefits

Applying online is the easiest way to apply for Social Security benefits. The Social Security website allows you to apply for retirement, spouses, Medicare and disability benefits at the same site. You can also apply for Supplemental Security Income benefits.
If you dont have Internet access, you can sign up by phone. You can call the Social Security Administration at 1-800-772-1213 .
The Social Security Administration has restrictions on office visits during the COVID-19 pandemic. It does allow in-person visits for certain services. You should check with the SSAs Coronavirus page to see if you can make an in-person appointment at your local office.

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Social Security Benefits If Youre Married

Determining Social Security calculations is a bit more complicated if you are married because you have the option to base benefits on your spouses salary history.

If the lesser earning spouses benefits are based on the higher earning spouses, then the limit of those earnings will be 50 percent of the higher earning spouses benefit amount.

To illustrate this, lets talk about A and B, a married couple.

  • A makes significantly more money than B.
  • A makes so much more money that As monthly Social Security benefits are going to be more than twice of Bs, based on Bs salary history.
  • The good news for B is that they can choose to have their Social Security benefits based on As salary history and can receive as much as 50 percent of As monthly benefit. This is the case even if B didnt hold a job outside the home.

On the other hand, if Bs monthly benefit would have been more than half of As, based on Bs salary history, then B can claim that amount.

In short, B can claim the higher of these two possibilities: Bs own Social Security earnings or half of As.

This all assumes that B doesnt begin claiming benefits until B reaches full retirement age. If B begins claiming earlier, then Bs benefits will be less. In addition, if B is claiming benefits based on As earnings, then B does not benefit by waiting later than full retirement age.

B will not be given more monthly benefits if B waits until age 70, for example, based on As earnings.

How To Sign Up For Medicare Part B Using Medicares Website

How to Sign Up for Social Security

If you do need to sign up for Part B we will now talk about how to do that. To make this easy, Ive set up a website that will take you to the page you need in order to sign up. The website is . You would think that you need to go to Medicares website, but for whatever reason, in order to sign up for Medicare Part B, it is not done on Medicares site. It is done through the social security website.

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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.

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.

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How To Sign Up For A Social Security Debit Card

You can sign up for the card at your local Social Security office or by calling the Direct Express card enrollment center at 333-1795. Representatives of payees can sign up the same way.

Once you sign up, your Social Security benefits will be paid directly to your Direct Express card account for you to access each month.

How To Apply For Social Security

Problem Signing Up for My Social Security Benefits Living Abroad

    The purpose of Social Security is to provide retirement and disability income to workers and their dependants. Social Security provides a guaranteed income to nearly 53 million Americans who have no income due to retirement, disability or death. In order to be eligible for retirement benefits a person must have enough credits, i.e. dollars that were contributed to the fund. The credits come from the Social Security tax you pay on your earnings .

    A person who is eligible to receive Social Security benefits must file an application with the Social Security Office. We will now discuss how to file an application.

    The quickest way to apply for Social Security benefits is to fill in the application form online. You can apply as soon as you are 61 years and 9 months old, and can start receiving benefits as soon as you are 62 years old. The whole application process takes about 15 minutes if it’s done online, at You can also apply by telephone or you can contact your local Social Security Administration Office and set up a personal appointment.

    Here’s the information you’ll need to have on hand when filling in your application form for benefits.

    Follow the instructions on the application form and provide all information that is requested.

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    Why Is It Important To Check Your Social Security Earnings Record

    You should check your earnings record at least once per year to make sure your earnings have been properly reported to the SSA.

    If your employer didnt report your income properly or reported using the wrong name or Social Security number, you may not have received credit for all you made. If you changed your name after marriage or divorce and didnt report this to the SSA, you may also have an incorrect record.

    If theres a problem, you need to contact the SSA to correct it and provide documentation including tax returns, W-2s, or pay stubs. If youve gone years between checking your earnings and you notice a mistake, you may not have these old documents any more and fixing your record could become more difficult.

    If you dont get credit for the full amount of wages you earned, your Social Security benefits will be smaller as a result of it. And if money was taken directly out of your paycheck to cover Social Security taxes , youd have paid taxes for benefits you dont receive.

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    What Information Does A Social Security Statement Contain

    Your Social Security statement contains the following information:

    • Your retirement benefit at your full retirement age
    • Retirement benefits if you delay collecting until age 70
    • Retirement benefits if you begin taking benefits at age 62
    • Your disability insurance benefit, should that become necessary
    • Survivors benefits for your spouse, child or family, should you die while receiving benefits

    The statement also shows other useful information, such as your earnings record going back to when you first started working, as well as the amount of Social Security and Medicare taxes youve paid since the very beginning.

    If Health Problems Force You To Retire Early

    How To Sign Up For My Social Security Account Online ...

    Sometimes health problems force people to retire early. If you cannot work because of health problems, you should consider applying for Social Security disability benefits. The amount of the disability benefit is the same as a full, unreduced retirement benefit. If you are receiving Social Security disability benefits when you reach full retirement age, those benefits will be converted to retirement benefits.

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