Should you be approaching retirement, you are likely already looking into how to apply for Social Security advantages. Generally, you may send the 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.
Social Security Eligibility: What Are The Requirements For A Homemaker To Qualify For 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.
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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.
How Are Social Security Benefits Calculated? Several Things And Factors Affecting The Benefits
One of the most popular Social Security questions that I hear from baby boomers getting ready to retire is "how are Social Security benefits calculated?" This is an important question because it could affect how long you need to work, whether you should continue to work during your retirement years
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Being on the property ladder whether renting or owning your own home it can be a very expensive ordeal.
Questions To Ask When Choosing A Financial Planner
Many people hire financial planners to help them meet their financial goals. Whether you are a beginner investor with very little experience or whether you have a good knowledge and understanding of financial planning topics, a financial planner can be a valuable asset when planning for your financial goals.
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.
Social Security Eligibility: What Are The Requirements For A Homemaker To Qualify For 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.
Several Ways A Financial Planner Could Help You Realize Your Own Financial Goals And Objectives
Many people wonder exactly what a financial planner does, and how they can help you. Here are just three ways a financial planner can help you achieve your financial dreams and goals.
How Do Pay Day Loans Help.
Have you ever found yourself in an emergency situation? Do you require a substantial amount of money fast but don't know where to get it? Payday loans may be just the thing you need.
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.
How Are Social Security Benefits Calculated? Several Things And Factors Affecting The Benefits
One of the most popular Social Security questions that I hear from baby boomers getting ready to retire is "how are Social Security benefits calculated?" This is an important question because it could affect how long you need to work, whether you should continue to work during your retirement years
Making Use Of Government Grants To Upgrade And Improve Your Own Home.
Being on the property ladder whether renting or owning your own home it can be a very expensive ordeal.
Questions To Ask When Choosing A Financial Planner
Many people hire financial planners to help them meet their financial goals. Whether you are a beginner investor with very little experience or whether you have a good knowledge and understanding of financial planning topics, a financial planner can be a valuable asset when planning for your financial goals.