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Discover Tips On How To Apply For Social Security If you are getting close to retirement, you are likely already exploring how to apply for Social Security benefits. Generally, 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. Prepare For Retirement-Start Saving Toady Getting ready for retirement is a lot harder than it used to be. Companies no longer offer pensions and many are reducing or eliminating matching contributions to 401K plans. In addition, Social Security benefits are expected to be smaller and you may have to wait longer to collect them. Some Key Exceptional Roth IRA Withdrawal Rules That Might Assist You To Take Money Out Of Roth IRA Roth IRAs are governed by the IRS; as such there are many Roth IRA withdrawal rules that must be followed before you take money out of your account. In this article we'll discuss Roth IRA distributions; when they can be taken, when and if they are taxable, when and if penalties might apply. 3 Ways A Financial Planner Can Help You Reach Your 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. Social Security Eligibility Rules: 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. Why Women Need To Know 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 Death Benefits Can Really Help Financially After A Spouse Or Other Loved One Has Passed Away Qualifying relatives of individuals who have passed away can receive assistance from social security death benefits. The payments provided vary and depend on a number of things such as the payments that have been made to social security as well as the relationship of the relative to the individual. A Few Significant Facts That You Must 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 3 Major Reasons To Use A Fee-Only Financial Experts 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. About Social Security Disability: What You Need To Be Aware Of Before Filing For Handicap Benefits Most people think of retirement when they hear Social Security, however Social Security provides benefits to people who are disabled as well. The list of requirements that must be met for Social Security disability benefits is pretty long, and many people don't meet those requirements. Social Security Retirement Benefits: Ideas To Help You Make The Most Of Your Social Security Benefits As you get closer to retirement, choosing when to take your Social Security may seem like rolling the dice. There are so many decisions to make, such as: Social Security Benefits Are Increasing In 2012 The millions of people who depend on Social Security to get by will be thrilled to know that it will be increasing in 2012. This is the first time in years that Social Security benefits have been increased. Gold Coins: Adding Profit In Your Profile Some invest in coins for their durable value, which has increased reliably. Offering protection against inflation, gold coins do not diminish in buying power like cash. Whatever the buyer's motive, gold coin prices |
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