Find Out Tips On How To Apply For Social Security In case you are approaching retirement, you are probably already considering how to apply for Social Security advantages. Normally, one can submit your own Social Security application if you are within 120 days of your 62nd birthday. There are a number of things you should know to make the application process as smooth as possible. Applying for Social Security has never been easier than it is today with online services, a toll free number and conveniently located offices all over the country. In addition to retirement benefits, you may also apply for spousal benefits - even if you are no longer married. If you are married, you can apply for benefits based on your own or your spouse's earnings record. If you are divorced or widowed and your marriage lasted ten or more years, you may be eligible for benefits based on your ex-spouse's earnings. If you apply for benefits at age 62 instead of waiting for full retirement age, you should plan on receiving less money that you would if you waited until reaching your full retirement age. Full retirement age now depends upon the year you were born. The FRA for people retiring now is generally 66 years old, but the younger you are the older you must be to qualify for full benefits. Your representative will be able to provide you with specific details for your situation when you call the numbers or go to the website listed below. Every courtesy has been extended to Senior citizens to make the application process as easy and as convenient as possible. You will find your representatives knowledgeable and accommodating so do not put off contacting them as soon as you are ready to apply. You will need certified copies of all of your marriage licenses, final divorce decrees, death certificates and birth certificates when you are ready to apply for benefits. You can make an application over the phone by calling toll-free 1-800-772-1213; if you are hearing impaired you may call 1-800-325-0778. You may also submit an application online at ssa.gov. Both methods of contacting the Social Security office are confidential and efficient. You will be instructed as to what documents you will need and where to take them or mail them. Being prepared by having copies of the above listed documents will save you time and delays later. For most Americans making the first move to apply for Social Security is a rite of passage earned by years of participating in the work force or by marriage to someone who contributed for a lifetime. This is money that has been earned by you or your spouse over time and now the retirement years lay ahead, full of promise and time to enjoy the people and the activities you wish. By being prepared with your documents and information, your Social Security application should go through with speed and ease. How You Will Go With Social Security Survivor Benefits After Your Spouse Passes Away When Social Security was first established, it only paid retirement income to workers who qualified. It was later amended to include benefits for spouses and survivors, which made it more of a family or insurance plan, instead of just a retirement plan. 3 Reasons To Use A Fee Only Financial Planner There are three different types of financial advisors: the commission broker who sells a product for a commission, the fee-based advisor who provides investment management for a percentage of the assets invested, and the fee only financial planner who provides a comprehensive financial plan for an hourly fee. Social Security Benefits: A Few Crucial Specifics On Cost Of Living Adjustment For the second year in a row people who rely on Social Security will not be receiving a cost of living increase. This is only the second time since the cost of living adjustment (COLA) was adopted that recipients have not received an increase. Social Security Survivor Benefits- The Thing Women Should Learn About When Social Security was established most women did not work. Lower or no earnings combined with a longer life span meant poverty for many women when their husbands passed away. Social Security recognized these challenges and have implemented several changes to the system to help women avoid poverty. Social Security Eligibility Rules: Can A Full-Time Housewife Collect Social Security? When Social Security was first established, most families only had one bread-earner, and only the working spouse qualified for retirement benefits. This caused financial difficulties for the spouse who didn't work (and therefore didn't qualify for Social Security) if the working spouse passed away first. A Few Key Points Which You Need To Know About Social Security Spouse Benefits When most people think about Social Security, they naturally think of retirement benefits. However about 1/5 of all Social Security benefits are spousal or survivor benefits, so when you're planning for retirement, it's important to consider the fact that you or your spouse may collect Social Security survivor benefits How Social Security Spousal Benefits Work Can a spouse collect on her husband's social security if she reaches retirement age before her husband? No. In order for a wife to collect Social Security benefits on her husband's earnings the following requirements must be met: |
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