Navigating Social Security Decisions
Understanding all the rules behind Social Security retirement benefits can be a difficult and daunting task.
The optimal time to collect varies by individual and is dependent on the benefits to which you (and your spouse) are entitled, when you plan to stop working and what other assets or retirement income streams you have.
Here are a few items to consider to help you get started:
- Navigating Social Security Retirement Decisions
- Taxation of Social Security Retirement Benefits
- Spousal Benefits
- Women & Social Security
- Survivor Benefits
- Benefits After Divorce
Social Security can provide you, your spouse, and other eligible members of your family with benefits:
- Upon RETIREMENT: Access the Retirement Benefits Planner from SSA.gov
- Upon becoming DISABLED: Access the Disability Benefits Planner from SSA.gov
- Upon DEATH: Access the Survivor Benefits Planner from SSA.gov
You can start your Social Security retirement benefits as early as age 62 or as late as age 70. Your monthly benefit amount will be different depending on the age you start receiving it.
- MyAccount: Social Security Account
- Learn About Social Security Programs from ssa.gov
- Social Security Retirement Benefits Planner: Your Future Benefits
- Understanding Social Security Retirement Benefits pdf
Calculators
All Benefit Calculators from Social Security Administration
Benefit Calculators: test different retirement ages or future earnings amounts
Estimate Your Social Security Retirement Benefits
Income Taxes and Your Social Security Benefits
Some Useful Info
- Getting Benefits While Working from ssa.gov
- Social Security Retirement Credits
- How Credits Are Earned
- Number of Credits Needed For Retirement Benefits
- Delayed Retirement Credits
Already Near Retirement Age? You can:
Discover your retirement options: When to start
Before You Claim: Things to Know from Consumer Finance Protection Bureau
Get information about how members of your family may qualify for benefits
Instructions and documents needed to apply for benefits
- Apply online for Retirement & Medicare Benefits
- Close to age 65, you can find out how to apply for just Medicare. You may need to sign up for Medicare close to your 65th birthday, even if you are still working
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