Free Disability Evaluation
Applying for disability benefits can be
difficult and often take months or
several appeals to get approved.
Get a Free Disability Evaluation today
and have someone in your area help with
your situation.
Social Security General Benefits
If you or a loved one passes away, do
you know what benefits you and your
family are entitled to? Make sure
you know, so you can get what your are
entitle to.
Social Security Retirement
If you or a loved one passes away, do
you know what benefits you and your
family are entitled to? Make sure
you know, so you can get what your are
entitle to.
Social Security Disability
If you or a loved one passes away, do
you know what benefits you and your
family are entitled to? Make sure
you know, so you can get what your are
entitle to.
Supplemental Security Income
If you or a loved one passes away, do
you know what benefits you and your
family are entitled to? Make sure
you know, so you can get what your are
entitle to.
Social Security Medicare
If you or a loved one passes away, do
you know what benefits you and your
family are entitled to? Make sure
you know, so you can get what your are
entitle to.
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Social Security
Retirement
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When To Start Your Benefits
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. If you choose
to:
* start your benefits early, they
will be permanently reduced based on
the
number of months you receive
benefits before you reach your full
retirement
age. The reduction in your benefit
amount will also depend on the year
you
were born. The maximum reduction at
age 62 will be
o 25 percent for people who reach
age 62 in 2008.
o 30 percent for people born after
1959.
You could see a change in your
benefit amount if you work after you
start receiving benefits.
Some of your benefits may be
withheld if you have excess
earnings. However, after you reach
full retirement age, they will
recalculate your benefit amount to
give you credit for any months in
which you did not receive some
benefit because of your earnings.
* wait until full retirement age,
your benefits will not be reduced.
Note: If you are full retirement
age, you can apply for retirement
benefits and then request to have
payments suspended. That way, your
spouse can receive a spouse's
benefit and you will continue to
earn delayed retirement credits
until age 70.
*
delay benefits until after full
retirement age, your benefit will be
permanently increased based on the
number of months you do not receive
benefits
between full retirement age
and age 70.
Caution: If you
apply for benefits more than 6
months after the month you reach
full retirement age, they can only
pay benefits for the previous 6
months.
There is no
additional benefit increase after
you reach age 70, even if you
continue to delay taking benefits.
Note: Social
Security benefits are paid the month
after they are due. If you tell them
you want your benefits to start in
May, you will receive your first
benefit check in June. (If you want
to receive your first benefit check
in May, you need to be eligible for
benefits in April AND tell them you
want your benefits to start that
month.)
Full retirement age
If your full retirement age is older
than 65 (that is, you were born
after 1937), you still will be able
to take your benefits at age 62, but
the reduction in your benefit amount
will be greater than it is for
people retiring now.
Here's how it works if your full
retirement age is 67.
* If you start your retirement
benefits at age 62, your monthly
benefit amount
is reduced by about 30 percent. The
reduction for starting benefits at
age
· 63 is about 25 percent;
· 64 is about 20 percent;
· 65 is about 13.3 percent; and
· 66 is about 6.7 percent.
* If you start receiving spouse's
benefits at age 62, your monthly
benefit amount
is reduced to about 32.5 percent of
the amount your spouse would
receive
if his
or her benefits started at full
retirement age. (The reduction is
about 67.5
percent.) The reduction for starting
benefits as a spouse at
age
· 63 is about 65 percent;
· 64 is about 62.5 percent;
· 65 is about 58.3 percent;
· 66 is about 54.2 percent; and
· 67 is 50 percent (the maximum
benefit amount).
Free Evaluation
If you are a filing for Supplemental Security Income(SSI) or
Social Security Disability for the first time, then here is
where you need to be. The form below will put you in touch with
the people you need to file for Disability and SSI as well as
assist those who are reapplying or appealing a decision.
Filling out the form below will get you a FREE, NO
OBLIGATION Evaluation from a attorney or advocate in your area.
If
you have already applied on your own and have been denied, don't
worry, usually more than 60% of the time people are denied on
their first attempt. Put your mind at ease, just fill out the
form and have a disability attorney or advocate help you get the benefits
you deserve.
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