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  • When to Apply for Social Security to Start Benefits at 62 - AARP
    By filing at 62, or any time before you reach full retirement age, you forfeit a portion of your monthly benefit If you were born in 1963 or later, for instance, filing at 62 could reduce your monthly payment by as much as 30 percent AARP’s Social Security Benefits Calculator can provide more details on how filing early reduces benefits
  • When to Apply for Social Security - AARP
    To apply online, having a My Social Security account on the Social Security website helps The SSA website walks you through questions to prepare you You can do it 24 7 and in multiple sessions My Social Security will save your work so you can return to it later More than half of retirees apply for benefits online, according to the SSA
  • A Guide To Applying For Social Security Benefits - AARP
    Callers flagged for “fraud risk indicators” will have to confirm their identity in person at a Social Security office to complete their application The SSA estimates that less than 0 2 percent of phone claims will be affected To apply for Social Security benefits of any kind while living abroad, contact the nearest U S embassy or consulate
  • When Should You Take Social Security? - AARP
    You can apply for Social Security up to four months before the date you want your benefits to begin Applications can be filed online (if you have a My Social Security account), by phone (call 800-772-1213), or at a local Social Security office
  • When Can You Start Collecting Social Security? - AARP
    The earliest you can start receiving retirement benefits is when you reach age 62 Your payments would begin in your first full month as a 62-year-old — that is, the calendar month after your birthday You can apply for benefits up to four months before you want them to start, so to begin when you turn 62, you can apply at age 61 and 9 months
  • Can I Switch From My Social Security Benefit to a Spousal Benefit? - AARP
    Again, Social Security will pay the greater of the two benefit amounts Members only The top spousal benefit is 50 percent of your mate’s primary insurance amount — the retirement benefit they are entitled to claim at full retirement age , which is 66 and 8 months for people born in 1958, 66 and 10 months for those born in 1959 and 67 for
  • 10 Facts About Social Security Benefits for Survivors - AARP
    Social Security was conceived as a guaranteed retirement benefit for America’s workers, but it quickly grew to provide for their families as well Four years after the program’s inception in 1935, President Franklin D Roosevelt signed legislation extending benefits to deceased workers’ wives (it was 1939, after all), minor children and
  • Can you switch from Social Security retirement benefits to . . . - AARP
    But suppose you started Social Security at 62, for reasons unrelated to health, taking a reduction in benefits for filing before full retirement age (which is 66 and 8 months for people born in 1958, two months later for those born in 1959, and 67 for those born in 1960 or later) Six months later, you are diagnosed with kidney disease
  • 3 Reasons You May Want to Claim Social Security Early - AARP
    Social Security would pay them between a third and a half of your benefit amount, but only once you’ve claimed it “By a strategic decision to have the higher wage earner in the married couple file as late as age 70, the lower wage earner might consider filing early to at least get some Social Security dollars flowing,” Schreiber says
  • Do Social Security Benefits Increase If You Continue To Work? - AARP
    In the years before you reach full retirement age, you are subject to Social Security’s earnings test, which reduces your benefits if your income from work exceeds a set limit ($23,400 in 2025) In the year in which you will reach full retirement age, the earnings cap goes up ($62,160 in 2025), and when you pass the milestone birthday , it





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