Discover Tips On How To Apply For Social Security Should you be nearing retirement, you are likely already looking into how to apply for Social Security advantages. Typically, you may submit your 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. 3 Ways A Financial Planner Can Easily Help You Realize Your Own Financial 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. Payday Loans:Understand More About It. 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. Submitting Your Social Security Application: When And How As you get closer to retirement one of your top questions is probably when and how to submit your Social Security application. Should you apply at age 62 or 66? What are the steps to applying for Social Security once you've decided to start collecting retirement benefits? How You Will Proceed 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. Social Security Eligibility Criteria: What Are The Requirements For A Homemaker To 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. Present Situation Regarding Social Security Spouse And Survivor Benefits 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 Benefits: A Helpful Discussion On Terms To Obtain The Benefit And How To Get After A Family Member's Death The loss of a family member can be devastating, both emotionally and financially. Social Security is meant to be a survivor program as well as a retirement program. Most people are aware of Social Security retirement benefits, but are you aware that there are Social Security death benefits as well? |
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