Welcome to Our Social Security Benefits Page

When, and how you begin collecting Social Security can make a big difference in your overall income. Be informed about what you could be losing by taking your benefits too soon.

This page will give you some quick free tips to make sure you get the maiximum benefits to fit your needs.

 

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About Social Security Benefits for Seniors

Things every senior citizen needs to know about Social Security

 

Click Here for Replacement Card | How To Apply for Social Security Benefits |Social Security Changes for 2015

 

social security benefits and infoWhen you joined the workforce you were issued a Social Security Card.

A government issued identification card with a nine number identifier to allow your employer to withhold part of your pre-tax income to be held in your account until you reach legal retirement age.

You are limited to three replacement cards in a year and 10 during your lifetime. Legal name changes and other exceptions do not count toward these limits.

If you are able to remember your social security number then in most cases it's not necessary to produce the card.

DO NOT carry your Social Security Card with you. Keep it safe with your other important papers.

You can go to the United States Social Security Administration web site by Clicking Here

NEW: 44 Social Security 'Secrets' All Baby Boomers and Millions of Current Recipients Need to Know

 

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Social Security Taxes

Depending on how you file you may pay little of no taxes on Social Security

 

Social Security TaxesSome people have to pay federal income taxes on their Social Security benefits.

This usually happens only if you have other substantial income (such as wages, self-employment, interest, dividends and other taxable income that must be reported on your tax return) in addition to your benefits.

No one pays federal income tax on more than 85 percent of his or her Social Security benefits based on Internal Revenue Service (IRS) rules.

  • file a federal tax return as an "individual" and your combined income* is
    • between $25,000 and $34,000, you may have to pay income tax on up to 50 percent of your benefits.
    • more than $34,000, up to 85 percent of your benefits may be taxable.

  • file a joint return, and you and your spouse have a combined income* that is
    • between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits
    • more than $44,000, up to 85 percent of your benefits may be taxable.

  • are married and file a separate tax return, you probably will pay taxes on your benefits.

Click here to learn the best time to begin collecting Social Security benefits.

 

Strategies For Married Couples - Large & Small Differences in Benefits - Click Here

 

You can go to the United States Social Security Administration web site by Clicking Here

 

NEW: 44 Social Security 'Secrets' All Baby Boomers and Millions of Current Recipients Need to Know

 

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When to Start Collecting Social Security Benefits?

When You Begin Collecting Your Social Security Benefits Can Have A Huge Impact On Your Future Income

 

social security collectionIn terms of benefits received it doesn’t really matter if you decide to retire at age 62 or 70 or any age in between.

You will either receive smaller checks for a longer period of time of bigger checks for a shorter period of time.

If you reach full retirement age of 65 to 67 depending on your current age will also have an effect on your immediate funds.

The earnings of working Social Security recipients are reviewed each year. If you earned more in the prior year than in the year Social Security used to calculate your benefits Social Security will increase your benefit.

Higher benefits earned now could benefit survivors in the future.

Click here to learn the best time to begin collecting Social Security benefits.

 

Strategies For Married Couples - Large & Small Differences in Benefits - Click Here

 

You can go to the United States Social Security Administration web site by Clicking Here

 

NEW: 44 Social Security 'Secrets' All Baby Boomers and Millions of Current Recipients Need to Know

 

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If You Retire Before Full Retirement Age

Your Benefits Will Be Reduced For a Short Period of Time

 

retire before full retirement ageIf you are younger than full retirement age and make more than the yearly earnings limit, your earnings may reduce your benefit amount.

(If you were born between 1/2/1945 and 1/1/1955, your full retirement age is 66 years.)

  • If you are under full retirement age for the entire year, Social Security will deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2014, that limit is $15,480.

  • In the year you reach full retirement age, Social Security will deduct $1 in benefits for every $3 you earn above a different limit. In 2014, the limit on your earnings is $41,400 but Social Security will only count earnings before the month you reach your full retirement age.

Note: If your earnings will be over the limit for the year but you will be retired for part of the year, we have a special rule that applies to earnings for one year.

The special rule lets them pay a full Social Security check for any whole month they consider you retired, regardless of your yearly earnings.

 

Click Here for Retirement Planner: Full Retirement Age

 

Click here to learn the best time to begin taking Social Security.

 

You can go to the United States Social Security Administration web site by Clicking Here

 

NEW: 44 Social Security 'Secrets' All Baby Boomers and Millions of Current Recipients Need to Know

 

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When You Reach Your Full Social Security Retirement Age:

 

Elderly Couple RetiredBeginning with the month you reach full retirement age, your earnings no longer reduce your benefits, no matter how much you earn.

So if you want to continue to work and collect Social Security you can start a savings plan, retire debt, take care of home repairs, upgrade your vehicle, or any other needs that might arise.

Click here to learn the best time to begin taking Social Security.

 

You can go to the United States Social Security Administration web site by Clicking Here

 

NEW: 44 Social Security 'Secrets' All Baby Boomers and Millions of Current Recipients Need to Know

 

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How To Get A Corrected Or Replacement Social Security Card

 

social security benefits and infoYou are limited to three replacement cards in a year and 10 during your lifetime.

Legal name changes and other exceptions do not count toward these limits.

If you should need a replacement card you will need to bring documents to prove your identity, age and citizenship to your local Socical Security Office.

See the documents you may need below.

You can apply for a corrected or replacement Social Security Card by Clicking Here.

You can go to the United States Social Security Administration web site by Clicking Here

NEW: 44 Social Security 'Secrets' All Baby Boomers and Millions of Current Recipients Need to Know

 

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Documents Required to Prove Your Identity To The Social Security Administation

You must be able to prove age, citizenship and identity to obtain a replacement or corrected Social Security card.

 

Documents to prove your idenity to social securityIn order to get a corrected or preplacement Social Security card you will have to provide documents that prove your age, citizenship and Identity to Social Security.

All documents must be either originals or copies certified by the issuing agency.

Social Security will not accept photocopies or notarized copies of documents.

They will also NOT accept a receipt showing you applied for the document.

To get a replacement or corrected Social Security card there are documents that you will have to provide to social security in order to prove who you are.

Click here to learn the best time to begin taking Social Security.

 

You can go to the United States Social Security Administration web site by Clicking Here

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Documents Used To Prove Your Age

If a birth certificate exists, you must submit it. You may be able to acquire a replacement birth certificate if you were born after 1916 by Clicking Here

 If a birth certificate does not exist, Social Security may be able to accept your:

  • Religious record made before the age of 5 showing your date of birth;
  • U.S. hospital record of your birth; or
  • U.S. passport.

You can go to the United States Social Security Administration web site by Clicking Here

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Documents Used To Prove Your Citizenship

 

Passport to prove citizenship for social security cardAccording to their website, Social Security will only accept a valid US Birth Certificate or a valid US Passport as proof of citizenship.

Like most government agencies policies and procedures change often.

Contact your local Social Security office for more information and to see if there may have been changes or if other forms of identification are permissible.

 

You can go to the United States Social Security Administration web site by Clicking Here

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Documents Used To Establish Your Identity

 

Establish Identity to Social SecuritySocial Security will only accept certain documents as proof of identity.

An acceptable document must be current (not expired) and show your name, identifying information (date of birth or age) and preferably a recent photograph.

For example, as proof of identity Social Security must see your:

  • U.S. driver's license;
  • State-issued non-driver identification card; or
  • U.S. passport.

If you do not have one of these specific documents or you cannot get a replacement for one of them within 10 days, we will ask to see other documents, including:

  • Employee identification card;
  • School identification card;
  • Health insurance card (not a Medicare card); or
  • U.S. military identification card.

Social Security may use one document for two purposes. For example, they may use your U.S. passport as proof of both citizenship and identity. However, you must provide at least two separate documents.

You can go to the United States Social Security Administration web site by Clicking Here

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How to Apply for Social Security Benefits

Free Information you need to know about Social Security Benefits

 

Apply for Social Security BenefitsTo apply for Social Security retirement benefits you must be at least 61 years and 9 months old.

  • If you are 62 years of age you may be able to start collecting benefits the same month you apply.
  • Apply for benefits no more than four months before the date you want your benefits to begin.
  • Benefits are paid the month after they are due. (If benefits begin in April your first benefit payment will be in May.)

If you are not receiving Social Security and you are not ready to retire, you should still use the Social Security online retirement benefit application to sign up for just Medicare three months before your 65th birthday.

 

 

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Free Information to Help Seniors Live Long, Happy, Healthy, Successful, Productive Lives
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