There are thousands of people that have Questions about their Social Security Benefits. There is much confusion about this topic and many myths abound; So please don’t take any of this for “The Gospel”. Do Your own Research…..Heck that’s probably how you got here, but I will try to open the blinds a little. After all, The Social Security Administration is A Government Agency. When was the last time a Government Agency made anything simple?
So many questions; So little time. I hope to address most of the more pressing questions here. Once again I want to state that I DO NOT work for the government, so I am providing answers to these questions based on my Research. That being said….. Let’s dive in
How Do I Find Out My Benefits ?
You can find Basic Social Security Benefits information on the internet with a simple Google Search. You can also contact Your local Social Security Administration (SSA) office with either a phone call or a visit. Because Your Benefits involve so many variables, I won’t go into too much depth here.
When Can I Start Receiving Benefits ?
You can start receiving early Retirement benefits as listed below. However, this is a choice that Each person needs to consider carefully; as it affects You; and Your Full benefit IS NOT paid at the listed age. I could give You answers till I am blue in the face, but ultimately this is Your choice. I will always defer to the Experts on financial decisions that affect other people. Below I have listed some guidelines.
- If You are at least 61 years and 8 months old, this Varies (For me Full retirement is 66 Years 10 Months)
- And are NOT drawing benefits on Your own Social Security Work history
- You have not already applied for Retirement benefits
- You Cannot Apply more than 4 months in advance (So keep this in mind.)
Breaking News: I need to tell You about a Great Deal If You are on Medicaid or have an EBT card, You can Get Amazon Prime Membership for only $5.99 per month. You get All the advantages of Prime Membership, Free Prime shipping, Stream videos, TV, and music and much more…all for $5.99 Month. Cancel Anytime. ===>>Click Here to Start saving.
Can I Collect Social Security and Still Work ?
Yes, You can collect Social Security Retirement and still work in most cases. But be careful as to the amount that You earn. While it will increase your future Social Security Benefit; It May ALSO decrease your current retirement benefit. You can work and Earn up to a certain amount and this is determined by Your age and how much You earn.
This is a confusing and complicated issue and I am NOT an expert so I won’t be going into the details. I will leave that to the people who do this on a daily basis. So if this is a concern for You, a call to the Social Security Administration or a visit to Your local office would be time well spent. By doing this….You can explain Your particular situation, Your Age, How much You Make, etc and get the straight scoop.
In many cases the money from Social Security Benefits is NOT enough. If You need to make more money from home to supplement Social Security, You may want to read anther article I wrote. You can find it by clicking Here.
Can My Spouse and I Both Collect Social Security ?
I am sure this question has been asked millions of times. It can also get kinda confusing, So I will try to be clear in the answer I give.
For most couples now at the age of retirement, both the wife and husband have earned some Social Security retirement benefits. If one Retirement benefit is claimed, his or her spouse can claim the Spousal retirement benefit only.(But they can only claim this at full retirement age / different for each person). In this case they would Not be able to claim their retirement benefit; as they would be already claiming a Spousal benefit.
If your spouse is 65 or older and applies for spousal benefits now; they will also be applying for their retirement benefits.
Can I Apply For Social Security Online ?
The Quick answer is Yes. You can submit an application for Social Security Disability, Medicare and Retirement Benefits online. You can also call your local SSA office get many of your questions answered on the phone. This will avoid waiting in line at your local SSA office. Depending on where you live, it can be like going to the Department of Motor Vehicles in Los Angeles, California. You better pack a lunch.
If You do visit a local Social Security Office, you can complete the application there; and get Your specific answers based on Your Own situation. You can also find out more on their website Here.
Because there are So Many factors involved, and Each case is different; their are advantages to visiting an office near you. You can Talk to a customer service representative and get a lot of Your Specific questions answered on the spot. You may not like the answer, but at least you got an answer.
Have You Ever wanted To Work From Online but Didn’t Know How? It’s NOT Brain Surgery, and You Can Start Learning without Spending A Dime. I Know that Sounds “Too Good To Be True”, But it Truly Is Free.
Take It For a Test Drive. No Credit Card Required. This Can Better Your Retirement Life !! Click The Banner Below. You won’t be alone there are over a Million Successful people to Help You.
====>>>Click Below to Start Learning Now. You can Earn While You Learn. No Experience Required!