This podcast is a “back to basics” discussion including how benefits are calculated, types of benefits, qualifying for benefits, when to take Social Security, and checking your statement on a “my social security” account.
This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.
i will be 65 on august 20, i would like to know my benefits for retirement
Barbara,
The AMAC Foundation Social Security Advisory service is not affiliated with the Social Security Administration and we are unable to access your Social Security account. You do have a couple of options for obtaining that information. You may create a MySocialSecurity Account online by going to https://www.ssa.gov/myaccount/ . You may also call your local Social Security office and ask them what your benefit would be both now and at your full retirement age. Use the Social Security Office locator to obtain the phone number to your local office https://secure.ssa.gov/ICON/main.jsp
Sharon L Kleczka
AMAC Foundation
My name is Ila
I turned 65 on Sep/2020
I don’t plan to retire now
When is best time to apply for retirement to get my benefit?
Hi Ila,
When you should collect your benefits is a personal decision only you can make. As you just turned 65 in 2020 your full retirement age (FRA) is 66 & 2 months. If you were to start your benefits at your FRA you would receive 100% of your FRA amount. You will also no longer be subject to an earnings limit, which means you could continue working and collect full benefits regardless of how much you are earning. If you delay taking your benefits beyond your FRA, your benefits will start accruing delayed retired credits (DRCs) at the rate of 2/3 of 1% per month, equivalent to 8% per year, up until the month before you turn 70 for a total of 130 2/3%. Do not delay beyond age 70 as your benefits quit growing at that time.
Some things to take into consideration when making your decision, are your health, your expected longevity (family history), finances, do you need the money more now than later, and your survivors. If you are married and your benefit is higher than your spouse’s benefit, when you take your benefit will be the amount he/she will receive as long as he/she has reached their FRA at your time of death, and their own smaller benefit will stop.
Please contact me if you have further questions.
Sharon L Kleczka
AMAC Foundation
(888)750-2622
how can i reguest plan ( B ) add to my card.
I am on SSI. I will be 64 in January of 2021. Is there a time when disability becomes regular social security and if so, am I eligible to collect my deceased husband’s benefits if they are more than mine?
Hi Lynn,
You state you are on SSI, which is Supplemental Security Income versus SSDI, Social Security Disability income which is based on your own work record. I am going to presume you are on SSDI, or you would have had to sign up for your Survivor benefit when you turned 62 or your husband passed away if you were on SSI. If you were disabled at your husband’s time of death, presuming his benefit is higher than your own, you have been eligible to receive your survivor benefit since you were 50 years old. However, you would have only received a benefit equal to 71.5% of his primary insurance amount (PIA), which is usually equal to someone’s full retirement age (FRA) benefit amount.
Someone on SSDI is not subject to deemed filing, which allows you to delay taking your higher survivor benefit until you reach your FRA when your disability benefit will automatically convert to your regular retirement benefit. As you state you will be 64 in January of 2021, that would mean you were born in 1959 and have a FRA of 66 & 10 months. But, you will reach your full widow age at 66 & 6 months, 4 months sooner. At this time you become eligible for receiving a benefit equal to 100% of your deceased spouse’s benefit at his time of death, plus any cost of living increases to date. Depending on when your husband took his own benefit (if he was already taking it at his time of death) you could even begin eligible for the full amount of your survivor benefit sooner, such as if your deceased spouse had started his own benefits at age 62. A survivor benefit is a combination of both your own benefit and your deceased spouses’ benefit. The, increase you receive is the difference between yours’ and your husbands’ benefit amount (when the deceased spouse had the higher benefit). Your own smaller benefit will stop.
You are eligible to start receiving your spousal benefit at this time, but it will be reduced for taking it early and it will be a permanent reduction. You would receive two separate payments until you reach your FRA, as disability and retirement benefits come out of two separate funds. But, as I previously mentioned, if your husband took his own benefit at age 62 you could actually become eligible for your maximum survivor benefit sooner.
I recommend you contact your local Social Security office to find out what the amount of your survivor benefit would be. You may contact your local office by using the attached link to obtain their phone number: https://secure.ssa.gov/ICON/main.jsp
Please contact me if you have further questions.
Sharon L Kleczka
AMAC Foundation
(888) 750-2622
How can we retrieve our Social Security income and expenses for Federal Tax 2018.
To obtain a copy of your 2018 SSA-1099 you will have to contact Social Security and request it. It will show the amount you received in benefits and any payments withheld for Medicare or taxes. You will each need to request your own copy. Use the following link to obtain the phone number to your local office: https://secure.ssa.gov/ICON/main.jsp All offices are closed but they are taking phone calls.
Please contact me if you have any further questions.
Sharon L Kleczka
AMAC Foundation
(888)750-2622
The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
We are pleased to have the opportunity to serve you via the AMAC Foundation’s Social Security Advisory Service, a program we offer to the public free of charge. The AMAC Foundation is a 501(3)(c) non-profit organization, operating completely on financial contributions from the public. To learn more about the Foundation and the programs we provide, or to contribute to the Foundation’s mission, visit our website: http://www.AmacFoundation.org. Also, please note that we conduct periodic surveys of people we have served to help ensure that we are providing the highest level of quality. These surveys are done via separate email contact, and are very brief. Your participation is important and much appreciated! If you prefer that we do not include you, please let us know and we’ll exclude your email address from the survey list.
I’m ernning SSA and two month away from 70th of age Feb 21 , wondering if I work, any deduction from my benefit after 70th of age ? thank you
Redwan:
Congratulations on attaining age 70! Unfortunately, under IRS regulations, all earnings are subject to FICA (payroll) taxes regardless of age. Your additional tax payments will not affect your Social Security benefit, unless you exceed any of the highest 35 years used in calculating your benefits. By the way…you didn’t indicate if you were drawing Social Security benefits yet, so if you haven’t yet filed, be advised that delayed retirement benefits stop accruing at age 70. There would be no point (monetarily) in waiting to file.
If we can be any further assistance to you, please feel free to call our Social Security Advisory Service at 888-750-2622 or email us at SSAdvisory@AmacFoundation.org. Our service is free to the public.
Gerry Hafer
AMAC Foundation, Inc.
The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
We are pleased to have the opportunity to serve you via the AMAC Foundation’s Social Security Advisory Service, a program we offer to the public free of charge. The AMAC Foundation is a 501(3)(c) non-profit organization, operating completely on financial contributions from the public. To learn more about the Foundation and the programs we provide, or to contribute to the Foundation’s mission, visit our website: http://www.AmacFoundation.org. Also, please note that we conduct periodic surveys of people we have served to help ensure that we are providing the highest level of quality. These surveys are done via separate email contact, and are very brief. Your participation is important and much appreciated! If you prefer that we do not include you, please let us know and we’ll exclude your email address from the survey list.
I am receiving social security disability, I am originally from Canada and Wil be receivi g Canada pension from the government. Is that a problem? Thank you!
If you have a Canadian pension, that pension was earned without contributing to Social Security. Because of that, your Social Security Disability Insurance (SSDI) benefit will be affected by the Windfall Elimination Provision (WEP), which reduces your SSDI benefit by a percentage which is based upon the number of years of substantial U.S. earnings you had while contributing to the U.S. Social Security program. However, WEP will not take effect until you start receiving your Canadian pension. Note that when you reach your SS full retirement age and your SSDI benefit converts to your SS retirement benefit, WEP will also apply to your SS retirement benefit. Here is a link Social Security’s description of how your SSDI benefit will be affected: https://www.ssa.gov/pubs/EN-05-10045.pdf.
Russell Gloor
National Social Security Advisor
The AMAC Foundation
Thank you for the informative comments.
I am 70 and my wife is 77. We married nearly a year ago and are concerned that she may lose some of her benefits as she was a Widowed woman at the time of our marriage and was receiving her late husband’s partial rate. I’m not concerned about my SSi but she is worried about hers.
Steve,
If your new wife was collecting a survivor benefit from her first husband and you married when she is 77, her survivor benefit from her first husband will continue unchanged.
Social Security’s rule about remarriage applies only to those who remarry before age 60.
Russell Gloor
Social Security Advisor
The AMAC Foundation
888-750-2622
How long do my social security benefits continue?
Fred,
Your Social Security benefits will never expire. Once your benefits start, they will continue for the rest of your life.
Russell Gloor
National Social Security Advisor
The AMAC Foundation
My daughter has adhd and I was told she qualified for ssi how can I do it ?
I am single 33 year old femelle with a 6 year old son who has spina bifida and hydrocephlus. His diagnoses has made it extremely hard to find child care because everyone is so scared of his diagnoses. It has also been hard to keep a job when i do find child care because it seems like something is always going wrong and They Call neededing me to leave. So my question is is there any help out there for me as a full time caregiver
Shawna:
Here are some websites that may provide helpful information for you:
https://www.nextavenue.org/family-caregivers-financial-assistance/
https://www.caring.com/questions/financial-assistance-for-caregivers
https://www.forbes.com/sites/nextavenue/2020/08/05/where-family-caregivers-can-get-financial-assistance/?sh=3c65f27b59a2
https://www.usa.gov/disability-caregiver
https://www.seniorlink.com/blog/financial-support-for-caregivers-the-ultimate-guide-to-home-care-costs-financial-aid-and-financial-planning-for-caregivers
Also, if you haven’t already done this, you may check in with some caregiver support groups and pose this question. It’s likely that this issue has been raised in these groups. Here are some website references for you to check out:
https://www.caregiver.org/support-groups
https://www.care.com/c/stories/5766/caregiver-support-groups/
https://dailycaring.com/support-groups-for-caregivers-on-facebook/
There may be grant funding available to you as well. Here are some website references on that topic:
https://www.hhs.gov/about/news/2020/04/21/hhs-announces-nearly-1-billion-cares-act-grants-support-older-adults-people-with-disabilities-community-during-covid-19-emergency.html
https://lifepathma.org/services/services-for-caregivers/caregiver-grants
https://portal.ct.gov/AgingandDisability/Content-Pages/Programs/National-Family-Caregiver-Support-Program
We wish you well in your search.
Gerry Hafer
AMAC Foundation, Inc.
888-750-2622
I will be 65 soon and I’ll like to know what my benefits will be at retirement age.
Sara:
Thanks for contacting us! The information you’re seeking can be found in your mySocialSecurity account. If you haven’t set one up, it’s fairly simple to do. Go to this website and follow the simple instructions. If you want to receive an estimate of your benefits, the Social Security Administrative provides a website to do that: https://www.ssa.gov/benefits/retirement/estimator.html.
If you have any problems or questions, or if yu need any assistance as you research your options, please contact our Social Security Advisory Service at 888-750-2622 or via email at SSAdvisor@amacfoundation.org. This is a free-to-the-public service sponsored by the AMAC Foundation, providing assistance via trained and accredited advisors.
Thanks again for contacting us.
Gerry Hafer
AMAC Foundation, Inc.
888-750-2622
When.will.i.get.my.
.benfits
Alonzo:
Social Security benefits are paid the month after you file. So, if you’re eligible to begin drawing in, say, March, your first payment will be received in April. Benefits are paid on either the 2nd, 3rd, or 4th Wednesday of the month, depending on which date in the month you were born. If your birthday is on the 1st through the 10th, benefits are paid on the 2nd Wednesday. Birthdays on the 11th through the 20th are paid the 3rd Wednesday, and birthdays from the 21st through the end of the month are paid on the 4th Wednesday.
If we can be of any further assistance, please contact our Social Security Advisory Service at 888-750-2622 or via email at SSAdvisor@AmacFoundation.org.
Gerry Hafer, Social Security Advisor
AMAC Foundation, Inc.
The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
We are pleased to have the opportunity to serve you via the AMAC Foundation’s Social Security Advisory Service, a program we offer to the public free of charge. The AMAC Foundation is a 501(3)(c) non-profit organization, operating completely on financial contributions from the public. To learn more about the Foundation and the programs we provide, or to contribute to the Foundation’s mission, visit our website: http://www.AmacFoundation.org. Also, please note that we conduct periodic surveys of people we have served to help ensure that we are providing the highest level of quality. These surveys are done via separate email contact, and are very brief. Your participation is important and much appreciated! If you prefer that we do not include you, please let us know and we’ll exclude your email address from the survey list.
I have not received any actual statement since 2018
Janneth Valero,
Beginning at age 25, Social Security sends you a statement every five years. Once you turn 60, you should receive a statement once a year. However, if you have a MySocialSecurity account online you will no longer have a statement mailed to you as you can view it online. https://www.ssa.gov/myaccount/ If you have not yet created a MySocialSecurity account online, I strongly recommend you do. The website is very secure and allows you to view the current estimate of your Social Security benefit. If you should decide to apply online for Medicare or your retirement benefits, you are required to have one.
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org.
Sharon L Kleczka RSSA®
National Social Security Advisor/Registered Social Security Analyst
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
what are my benefits from my wife as her husband?
Carlos G Crocco,
To receive a spousal benefit on your wife’s record, it depends on various factors. Your age, there is a different set of rules for someone born on or before January 1, 1954 and those born January 2, 1954 or later.
The standard rule for qualifying for a spousal benefit, is that 100% of your full retirement age (FRA) benefit is less than 50% of your spouse’s FRA benefit. If this is the case, and you have reached your FRA, you will receive a benefit equal to 50% of your spouse’s FRA benefit. If you apply for benefits before your FRA, they will be reduced. If you qualify for benefits on your own record and also a spousal benefit, the amount you would receive is a combination of both your own benefit and your spousal benefit. If you don’t qualify for a benefit on your own record, you could still qualify for a spousal benefit.
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org
Sharon L Kleczka RSSA®
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
Would I be able to collect more money from my husband’s (deceased) social security benefits than my own?
Debra E Burns
If your deceased husband’s benefit is higher than your own retirement benefit, than the answer is yes. There are some things you should take into consideration when deciding to apply for your widow benefit.
Your age is a very important factor in determining the amount of his benefit that you will receive. You become eligible for your widow benefit at age 60 (age 50 if disabled), as long as you are currently single. If you decide to start your widow benefit at that time, you will only receive 71.5% of his benefit at the time of his death, and it will be a permanent reduction. It is important that you contact Social Security deciding whether to take your widow benefit or your own retirement benefit first. You have the option to restrict your application to the benefit you want to take first, which will allow the benefit that will eventually be higher to continue growing.
You need to find out from Social Security what the amount of your widow benefit will be when you reach your full retirement age (FRA). You also need to know the amount of your own retirement benefit at your FRA and at age 70. If your own benefit will never be larger than your widow benefit, you may want to consider waiting until age 62 and claiming your own benefit first at a reduced rate while allowing your widow benefit to reach the maximum amount at your FRA.
Regardless of which decision you make, you will be subject to an earnings limit until you reach your FRA. For 2021 the earnings limit is $18.960 ($1,580 per month), should you go over the annual limit Social Security will withhold $1 for $2 you go over from benefits. The year you will reach your FRA, the limit for 2021 is $50,520 ($4,210 per month) that you can earn before the month you reach your FRA or Social Security will withhold $1 for every $3 you go over the annual limit. These limits are subject to change each year and they usually increase.
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org
Sharon L Kleczka RSSA®
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
Hi, my husband and I were married for 40 years and were divorced last year. Am I able to receive a portion of his social security.
Kathy Lair,
You definitely meet the length of marriage rule, which only requires you to be married for 10 years. You do not mention your age or whether or not you were receiving benefits at the time of your divorce last year. To receive a spousal benefit on your ex-husband’s Social Security record, 50% of his full retirement age (FRA) benefit must be higher than 100% of your FRA benefit amount. If you were not yet receiving your Social Security benefits at the time of your divorce, and your ex-spouse is not yet taking his benefits or on SSDI, you must be divorced for two years before you can receive a spousal benefit on his record. The only requirement after you are divorced for two years, is that he only has to be at least 62 and eligible to take his benefits. If you are eligible for a spousal benefit on his record, to receive a benefit equal to 50% of his FRA benefit, you can not take any benefits until you reach your FRA. If you take your own benefits early at a reduced rate, that reduction will affect your spousal benefit, and it will never be 50% of his. Also, if he is already taking his benefits you will be deemed as filing for both benefits and both will be reduced if you are not yet your FRA. If he files for his benefits after you started your own, you will deemed as filing for your spousal benefit at that time, regardless of your age. If you are still under your FRA when he files, your spousal benefit will be reduced according to your age.
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org
Sharon L Kleczka RSSA®
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
Want to know if it is possible to not have federal tax withheld from my monthly social security check? When I file my taxes it is all returned to me as I didn’t have enough income. Would like to not have it withheld at all. thank you.
Dick,
It is not mandatory to have taxes withheld from your Social Security check. You actually have to file an IRS form W-4V with your local Social Security office if you want taxes withheld. If you are currently having taxes withheld from your benefits, complete a new W-4V asking that the tax withholding be stopped and send it to your local Social Security office. Here is the link to the form:https://www.irs.gov/pub/irs-pdf/fw4v.pdf
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org
Sharon L Kleczka RSSA®
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
the first 2 stimulus checks di not include my son 20 and my daughter 18 i heard they are included in the third stimulus check since i have not filed taxes does ssi have there infornation?
David,
If you did not file taxes in 2019 or 2020, your two adult children will not be included in your stimulus payment. You need to file a 2020 tax return even if you are not required to file taxes. There are various free-file tax software available online. If you file your 2020 and still do not receive a stimulus payment for the two of them, you will then have to file an amended 2020 tax return, 1040X, which you will also be able to file online. AMAC Foundation does not have tax advisors on staff, so we are unable to assist you with the actual filing of your tax return.
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org
Sharon L Kleczka RSSA®
AMAC Foundation
i need statement form ssa
Cindy:
Please note that the AMAC Foundation is not affiliated with the Social Security Administration, and therefore we cannot provide a statement for you. We can tell you, though, that the fastest way to obtain a SSA-1099 or SSA-1042S is to use your ” my Social Security account” and print it directly from your account. If you don’t already have a “my Social Security account,” it’s an easy and quick process to create one, and you can do that via this site: https://www.ssa.gov/myaccount/.
Gerry Hafer
AMAC Foundation, nc.
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
stop working at 64 years because of sickness.now at 72 started working part time to help with my expenses. in what way effacts or help me.
Cristina McCabe,
You ask how it will help you, are you referring to will your Social Security benefit increase? If you are that depends on the past earnings that your current benefit is based on. Your Social Security benefit is based on your highest 35 years of earnings and when you don’t have 35 years of earnings Social Security adds zeros to make 35 years. If you don’t have 35 years, your current earnings will replace one of those zeros each year you continue to work and increase your Social Security benefit and SS will also replace any lower earning years with your current earnings. Your earnings through age 60 have been adjusted for inflation and those amounts do not show on your earnings statements, so it isn’t as simple as looking at your earnings statement to see if you are making more now than you did 30 years ago. As you continue to work, Social Security will recalculate your benefit amount each year to see if your benefit needs to be increased based on your current earnings.
As you now have earned income, those earnings could affect the tax liability of your Social Security benefits. When Social Security is your only income, it is generally not taxable, but when you have other income, you can be taxed on up to 85% of your Social Security benefits depending on your Modified Adjusted Gross Income (AGI plus 50% of your SS benefits and non-taxable interest) based on your personal tax rate.
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org
Sharon L Kleczka RSSA®
AMAC Foundation
I will be 60 in June, I’m aware that I can draw my late husband’s SSI.
Michelle,
If you are talking about Social Security and not SSI (Security Supplemental Income) you are correct that you become eligible to draw a widow benefit on your deceased husband’s record at age 60. There are no benefits available to survivors for someone that was on SSI. If you do start your widow’s benefit at this time you will only receive 71.5% of his benefit at his time of death. You will also be subject to an earnings limit of only $18.960. This is the amount for 2021 and it tends to increase each year. If you are working and you go over this limit Social Security will withhold $1 for every $2 you go over.
You should speak with your local Social Security office to find out which benefit will be higher, your own or your widow’s benefit. The number to your local office is 888-527-9331. If your widow benefit will be higher than your own retirement will ever be, you may want to consider delaying until at least age 62 and taking your own retirement first at a reduced rate, then wait until your full retirement age (FRA) to claim your widow benefit. At that time, you will receive 100% of his benefit and no longer be subject to an earnings limit. Any time you take any benefit early it will be permanently reduced.
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org
Sharon L Kleczka RSSA®
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
Date when my social security check will be deposited
Nancy:
According to Social Security Administration procedures, benefits are paid on either the 2nd, 3rd, or 4th Wednesday of the month, depending on which day in the month you were born. If your birthday was on the 1st through the 10th, then your benefit is paid on the 2nd Wednesday; for birthdays on the 11th through the 20th, on the 3rd Wednesday, and for birthdays on the 21st through the end of the month, on the 4th Wednesday. DAte paid is the date on which the deposit is sent to your bank. For new beneficiaries, it’s important to remember that Social Security pays a month late, so benefits earned for this month are actually paid next month.
Gerry Hafer
AMAC Foundation, Inc.
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
I have a friend who was injured in a serious auto accident 14 years ago. He applied for and was given SS disability benefits after it determine that he was disabled.He has been collecting benefits since his disability but, because of his limited income and inability to work, he was forced to return to his family home in Greece. He currently has a guardian in Greece and the SSA forwards his benefit to his bank account in Greece. He is 70 years old.
His Doctor now believes that he is both physically and mentally capable of managing is affairs and is willing to provide a letter saying so.
I have 2 questions :
1. how does he go about getting his status changed from disabled to not disabled ?;
2. will his SS benefit change if he makes that change?
Angelo,
Since your friend is 70 years old, he is no longer collecting US SS disability benefits, but rather he is collecting the SS retirement benefit he earned by working and paying SS taxes in the United States. Social Security disability benefits automatically convert to normal SS retirement benefits at one’s full retirement age (FRA), so your friend has been collecting his normal (non-disability) benefit since he was 66, at the same amount he was entitled to on disabilty. As such, Social Security does not consider him to be receiving disability benefits and he need not notify them that he is no longer considered disabled. His benefit amount won’t change in any case.
Since the US has a bilateral “totalization” agreement with Greece, there are no restrictions for him to continue receiving his benefits to the bank account now being used. Because his SSDI switched to regular SS happened automatically, he doesn’t need to contact SS for that. If he has a guardian (e.g. a “representative payee”) he can rescind that by contacting SS via the FBU (Federal Benefits Unit) in the US embassy in Athens at 1-720-2426.
Angelo, if you have any further questions please feel free to contact us via email at ssadvisor@amacfoundation.org.
Russell Gloor
National Social Security Advisor
The AMAC Foundation
What are my benefits for the month of retirement?
Marcus,
The AMAC Foundation is not affiliated with the Social Security Administration and we cannot access your account information. You may find out the amount of your Social Security benefit by contacting your local Social Security office. You may obtain that phone number by using the following link and entering your zip code: https://secure.ssa.gov/ICON/main.jsp or by creating a mySocialSecurityAccount online at: https://www.ssa.gov/myaccount/
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org
Sharon L Kleczka RSSA®
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
I’m trying to get on ur website for verification identity but it won’t let me and I have been trying dir months to GRT my stimulus
Tricia:
Please contact our office (AMAC Foundation, 888-750-2622) regarding your website access problem, but be aware that we are not affiliated with the Social Security Administration or the Internal Revenue Service. Unfortunately, we are not able to offer any assistance to you in tracking down stimulus payments. If you have a specific question about Social Security, we would be happy to help you.
Gerry Hafer
AMAC Foundation, Inc.
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
I have not received my social security payments. My first one was supposed to be on October 13th and I did not receive it. I have not received any payments this month. I can’t pay my rent and my other obligations. I am desperate. I hope you can help me soon.
Karen:
Unfortunately, we are not affiliated with the Social Security Administration, and cannot comment on the delivery of financial transactions to individuals. Our advice is to contact your local Social Security office directly via telephone and request tracking information on any missing payments. If you need help locating a direct telephone number, please contact our Foundation office at 888-750-2622 during normal business hours and we can help you with that.
We wish you well.
Gerry Hafer
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government..
My ex-husband and I were married for 9 years and 7 months (Oct. 1, 1979 – May 9, 1989). When I am at age, can I draw from his social security benefits?
Jacqueline
I am sorry to have to inform you, that since you were not married to your ex-husband for at least 10 years, you are not eligible for a survivor benefit on his record. Social Security is very firm on this rule.
To be able to receive benefits on his record you would now have to be able to prove you lived in a common-law marriage prior to your actual marriage. This would depend on the laws of the state you were living in at that time, not all states recognize common-law marriages. If you find you were living in a state that allows for common law marriage use the following website link and view 1717 Evidence of Common-Law Marriage to see what type of documentation you would need to submit to prove it: https://www.ssa.gov/OP_Home/handbook/handbook.17/handbook-1717.html
If we can help you further, please give our Advisory Service a call at 888-750-2622 or via email at SSAdvisor@amacfoundation.org
Sharon L Kleczka RSSA®
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
I would like a copy of my social security disability annual statement.
Regina:
Thanks for contacting the AMAC Foundation. Unfortunately, we are not affiliated with the Social Security Administration, and therefore cannot provide personal information on your accounts with them. You will need to contact them directly to obtain the information you’re seeking. Here’s the link to find the office closest to you https://www.ssa.gov/locator.
Gerry Hafer
AMAC Foundation
can a man that is drawing ss benefits from an ex-wife continue to draw his benefits if he gets married?
Judy
It depends on what type of benefit they are receiving on their ex-wife’s record. If it is a spousal benefit, they will lose it unless they meet one of the special exceptions. An exception is made which allows divorced spouse benefits to continue if they remarry someone who is entitled to widow(er)’s, mother’s, father’s, childhood disability, divorced spouse’s, or parent’s benefits.
If they are receiving widower benefits, they will continue to receive them. After being married for one year they will become eligible on their new spouse’s Social Security record and may at that time apply for a spousal benefit on their record if it will result in a higher benefit.
Sharon L Kleczka RSSA®
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
can u get ssdi if you owe back taxes an haven’t filed n 15 years
Gayle
To be eligible for SSDI you have to have worked at least 5 out of the last 10 years. As you haven’t filed your taxes in the last 15 years, it is as if you haven’t worked in the last 15 years, so you would not qualify for SSDI.
If you were to file all your tax returns for those years and it would show you worked at least five out of the last 10 years, you would then be eligible to file for SSDI. If you owe back taxes, the IRS can withhold up to 15% of your benefits until taxes are paid in full.
If you are no longer able to work and do not rectify your situation, you may still file for disability as you may qualify for Security Supplemental Income (SSI). The amount you would receive each month in 2022 is $841 per month. As with SSDI, if you owe back taxes the IRS can withhold up to 15% of your benefit until paid in full.
If you have further questions please contact us either by email at ssadivor@amacfoundation.org or call (888)750-2622
Sharon L Kleczka RSSA®
AMAC Foundation
CONFIDENTIALITY NOTICE: The contents of this message, including any attachments, are confidential and are intended solely for the use of the person or entity to whom the message was addressed. If you are not the intended recipient of this message, please be advised that any dissemination, distribution, forwarding, printing, copying, or use of the contents of this message, and any attached documentation, is strictly prohibited. If you received this message in error, please notify the sender. Please also permanently delete all copies of the original message and any attached documentation. The opinions and interpretations expressed in this message are the viewpoints of the message’s author, a trained advisor accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). The author, the NSSA, and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government.
mennyi lesz a social security benefit emelés 2023-ban?
Takacs
The cost of living increase in 2023 is 8.7%.
If you have further questions please contact us either by email at ssadivor@amacfoundation.org or call (888)750-2622
Sharon Kleczka
AMAC Foundation