Earliest Normal Social Security Eligibility Age: 62
Even though you can begin receiving benefits as early as 62, that doesn’t mean you should start taking them at that age. This is primarily because you will receive reduced benefits. If you want a larger amount of guaranteed income later in retirement, then waiting to begin benefits until you are a few years older will make sense. Remember, even if you are retired, you can wait until you’re 70 to apply for Social Security so that you get a higher benefit. It is one of the best ways to make sure you have a higher amount of inflation-adjusted income later in life.
Also, if you take Social Security at this early age and you have earnings above the Social Security earnings limit, your Social Security benefits will be reduced. Once you reach full retirement age , there is no reduction in benefits for continuing to work, no matter how much you make.
You can apply for Social Security retirement benefits any time after you reach 62. Once you reach 62, think of it like open enrollment you can begin at any time and do not have to wait until another age cut off.
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 .
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
Corrected Card For A Us Born Adult
If you legally change your name because of marriage, divorce, court order or any other reason, you need to tell Social Security so that you can get a corrected card. If you are working, also tell your employer. If you do not tell us when your name changes, it may:
- Prevent your wages from being posted correctly to your Social Security record, which may lower the amount of your future Social Security benefits.
- Cause delays when you file your taxes.
We cannot accept photocopies or notarized copies. We cannot accept a receipt showing you applied for the document. All documents must be current .
We may use one document for two purposes. For example, we may use your U.S. passport as proof of both citizenship and identity.
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Benefit Amounts Vary Depending On Your Social Security Retirement Age
Your Social Security retirement age and the amount you receive varies depending on several factors. For example, the earliest age you can collect your Social Security retirement benefits is 62, but there is an exception for widows and widowers, who can begin benefits as early as 60. If you start collecting benefits early and continue to work, your benefits may be reduced.
Here’s how this works with the basics on Social Security claiming ages from 60 to 70.
Original Card For A Noncitizen Adult
In general, only noncitizens who have permission to work from the Department of Homeland Security can apply for a Social Security number . If you do not have permission to work but need an SSN for other purposes, see “If you do not have permission to work” for further information.
Enumeration Beyond Entry
You may be eligible to apply using our automated process called Enumeration Beyond Entry if you are applying to the United States Citizenship and Immigration Services for work authorization or lawful permanent resident status.
You may not need to visit a Social Security office or Social Security Card center if you apply using the Form I-765 or I-485. If you are approved for either application through USCIS, and elect to apply for an SSN, USCIS will send us the information to issue you an original SSN card or replacement card. You should receive your SSN card no later than 7 to 10 business days after you receive your Employment Authorization Document or I-551 from USCIS. We will mail the card to the address provided on the application. For more information, see âApply For Your Social Security Number While Applying For Your Work Permit and or Lawful Permanent Residencyâ.
You must present original documents or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies. All documents must be current . We cannot accept a receipt showing you applied for the document.
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Claim Of Discrimination Against The Poor And The Middle Class
Workers must pay 12.4 percent, including a 6.2 percent employer contribution, on their wages below the Social Security Wage Base , but no tax on income in excess of this amount. Therefore, high earners pay a lower percentage of their total income because of the income caps because of this, and the fact there is no tax on unearned income, social security taxes are often viewed as being regressive. However, benefits are adjusted to be significantly more progressive, even when accounting for differences in life expectancy. According to the non-partisan Congressional Budget Office, for people in the bottom fifth of the earnings distribution, the ratio of benefits to taxes is almost three times as high as it is for those in the top fifth.
Corrected Card For A Noncitizen Adult
If you change your name, become a U.S. citizen, or your immigration status or work authorization has changed, you need to tell Social Security so we can update our records and when necessary, issue a new card.
When you request a replacement or a corrected Social Security card, you must show us proof of your identity, immigration status and work authorization. In addition, if you need to change or correct any information on your Social Security card, you need to show us certain documents about the change. We can only accept certain documents.
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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.
Extended Period Of Eligibility
Following your trial work period, you will enter a 36-month extended period of eligibility. It is in this period that you can work and still receive benefits only as long as your earnings are less than what Social Security considers substantial. Social Security deducts what they consider work expenses that are a direct result of your disability from your total monthly earnings. These work expenses can range from prescription drug copays, transportation to and from work, and specialized work equipment.
Workers Who Die Before Age 62
The minimum age to start claiming Social Security retirement benefits is 62. If someone dies young, then dependent children and spouses may be entitled to survivor benefits. At age 60, for example, widows and widowers can begin receiving Social Security benefits based on their deceased spouses earnings record . Terminally ill patients can apply for Social Security Disability Insurance , which means they will still receive some benefit from their contributions to the system.
What if you are terminally ill and have reached the minimum retirement age? If you are single, claiming right away may be the most sensible strategy. However, if you have a spouse, postponing may provide your spouse with greater benefits. The spousal benefit can be as much as 50% of the worker’s benefit, depending on the spouse’s age at retirement and if the spouse is eligible for retirement benefits based on their own earnings record. The Social Security Administration has an online calculator that helps determine benefits for spouses.
If you do not qualify for Social Security payments, then you will need to ensure that you have sufficient income to support your lifestyle in retirement.
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.
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Can You Do Any Other Type Of Work
If you cant do the work you did in the past, we look to see if there is other work you could do despite your medical impairment.
We consider your medical conditions, age, education, past work experience, and any transferable skills you may have. If you cant do other work, well decide you are disabled. If you can do other work, well decide that you dont have a qualifying disability and your claim will be denied.
Applying For Social Security Benefits Online
The first thing you will need to do to apply for benefits online is creating a Social Security account on the SSA website. This account has a lot of great features and can be used to track your earnings over your lifetime based on reports made to the SSA. When you have an account, you can check in and see if all the information is correct. If not, you can notify the SAA of the mistake and show past tax returns or pay stubs to correct the error.
Once you have an online account and your documents are ready, you can start your retirement benefits application online. The process is simple and most people will have no issue getting through the application alone. However, your local Social Security office can provide help if its needed. You can also reach out by telephone to the SSA for help if you have issues completing your application.
Getting A Social Security Card For Noncitizens
Usually, a noncitizen can only apply for a Social Security number if they have explicit permission to work given them by the Department of Homeland Security . If you do not have this permission but still need to obtain a Social Security number for other reasons, there are options for you.
First of all, know that there are many benefits available to you even without a SSN. You may register for school, take educational tests, conduct business with banks, get private health insurance, and more. If you do not have DHS permission to work, you are allowed to apply for a SSN only if you are required to provide one either by federal law in order to receive a specific service or benefit, or by local or state law in order to receive general assistance benefits for which you are already qualified.
If you need a SSN for these reasons, you must bring Social Security a letter from the government agency on letterhead stationery no form letters or photocopies. This letter must specifically identify you as the applicant, cite the law requiring you to have a number, confirm that you meet all requirements except for having the number, and contain an agency contact name and phone number.
Social Security will also ask to see a current DHS document. They will accept an I-551 Permanent Resident Card, an I-94 Arrival/Departure Record with unexpired foreign passport or an admission stamp in the unexpired foreign passport, or an I-766 Employment Authorization Document from DHS.
When Will I Receive My First Ssdi Payment
If the Social Security Disability application is approved, the first benefit will be paid to you for the sixth full month after the date that the disability began.
Monthly disability benefits are wholly based on your lifetime average earnings covered by Social Security. You can receive an estimate here.
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Additional Document Required For International Students And Foreign Exchange Visitors
International Students or Foreign Exchange visitors are able to work on a part-time basis and must bring additional documentation to prove their status. For J Visas, the DS-2019 Certificate of Eligibility for Exchange Visitor Status is required.
For international students, the most recent I-20 Certificate of Eligibility for Non-immigrant Student Status is required.
Original documents are required to obtain a social security card. Photocopies and notarized copies will be rejected.
The information contained in this article is not legal advice and is not a substitute for such advice. State and federal laws change frequently, and the information in this article may not reflect your own states laws or the most recent changes to the law.
How Can I Find Out If I Have A Disability That Will Qualify Me To Collect Ssdi Benefits
Social Security bases many of their decisions about what qualifies as a disability based on information published in the Blue Book of Impairments. This Social Security Disability list of impairments details all qualifying medical conditions that meet the test for disability. While it is a comprehensive list, if you have a medical condition not listed in the Blue Book, you can still possibly qualify for SSDI benefits. As part of your disability application, you will need to submit copious information about your condition, including medical records, doctors statements and other related materials that will help to convince Social Security you meet Social Security Disability Insurance requirements.
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Family Eligibility And Children With Disabilities
Certain family members may be eligible to receive disability benefits on your record including a spouse, a divorced spouse, children, a disabled child and/or an adult child who was disabled before the age of 22. Each beneficiarys rate depends on the number of family members receiving benefits on your record as well as the amount you receive.
The maximum amount each family member is eligible to receive is 50 percent of the disability rate. The total payment to an entire family, however, is capped and is not based on other personal financial situation factors.
Reducing Cost Of Living Adjustment
At present, a retiree’s benefit is annually adjusted for inflation to reflect changes in the consumer price index. Some economists argue that the consumer price index overestimates price increases in the economy and therefore is not a suitable metric for adjusting benefits, while others argue that the CPI underestimates the effect of inflation on what retired people actually need to buy to live.
In 2003 economics researchers Hobijn and Lagakos estimated that the social security trust fund would run out of money in 40 years using CPI-W and in 35 years using CPI-E.
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How To Apply For Social Security Disability Insurance
There are three ways to apply for SSDI:
What We Mean By Disability
The definition of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability.
We consider you disabled under Social Security rules if all of the following are true:
- You cannot do work that you did before because of your medical condition.
- You cannot adjust to other work because of your medical condition.
- Your disability has lasted or is expected to last for at least one year or to result in death.
This is a strict definition of disability. Social Security program rules assume that working families have access to other resources to provide support during periods of short-term disabilities, including workers’ compensation, insurance, savings, and investments.
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What Are The Work History Eligibility Requirements For Ssdi
To meet the work eligibility requirements to qualify for SSDI, you must have worked long enough and recently enough to qualify. Eligibility is based on the number of work credits you have earned. For each quarter of work with income of a certain amount, you can earn one work credit.
The amount of work needed changes, but for example, in 2017, if you earn $1,700 per quarter or more in the year, you would earn four credits for the year.
How many credits you will need to qualify for benefits will depend on your age. These general rules apply:
- Generally, you must have earned 40 work credits with 20 of them having been earned in the last 10 years.
- If you’re younger than 31 years old, you may qualify for SSDI benefits with fewer work credits.