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"I care about our young people, and I wish them great success, because they are our hope for the future, and some day, when my generation retires, they will have to pay us trillions of dollars in social security"     ~Dave Barry



You might also like to see , on other pages:


Government Links

Medicare tips, and All About "Part D"

Why We Must Not Privatize Social Security

Does the CPI reflect what Seniors must actually spend?

What is the CPI, how is it figured, and why the heck do I care??

Social Security COLA for 2015  read here


 SENIOR ALERT: Don't update ANYTHING  you are asked for online or on the phone; Social Security number, bank accounts, credit cards, any accounts anywhere. If you have gone to a company INDEPENDENTLY at a site you KNOW is legit, then you may be asked for some updating. That MAY be ok. But NEVER respond to a REQUEST MADE TO YOU BY EMAIL FOR UPDATING. The same applies to phone calls. If you called them, from a number you know is accurate, you may be asked for some personal information to access something. If you GET, rather than MAKE the call, hang up, then call the company from the phone book to ASK them about the earlier call you received


Social Security  LINKS



Social Security Administration                                                                         Official Site  
Social Security Administration phone #  1-800-772-1213
Medicare and Part D Tips                                 Tips, Articles, and Part D Information and News
Medicare                                                                                                      Official Site
Social Security "Hot Tips" Page
Maximize benefits if the wife collects early and the husband delays:     
Can my Social Security be taxed by US Federal government?                       IRS publication #915
20 States with  no (only Pennsylvania), or reduced (19), state income tax on retirement benefits
Other things to consider when you retire        Source: http://www.ssa.gov/retire2/otherthings.htm
Social Security Offices by State
What Social Security Crisis?
Social Security - - Access almost any information online  - - - Right Now
Retirement Plans, Benefits and Savings                                 Thoughtful discussion on pensions
10 Social Security Facts You Need to Know                             Both before AND after you retire     
Top 10 Ways to Prepare for Retirement   Financial tactics to use to maximize money in retirement
The Social Security Handbook                               Your basic guide to Social Security programs
Senior Service America             Senior Jobs Senior jobs and involvement in America's communities
Working After Retirement       How employment will affect your pension or Social Security Benefits
Women and Social Security
Women and Retirement Savings             You need to do a pension plan!  US Department of Labor
Social Security Fairness to Women                                        An article from the Boston Herald
Discussion Forum on Various Retirement Issues                   An article from ElderLawAnswers.com
When to Retire                                                                           Article by: Matilda Charles

When to Retire                                               Planning with the Social Security Administration

Consumer Information on Pension Plans              Benefits of various plans.   US Labor Department

Factors that may Affect  Benefits                       Information from Social Security Administration
Filing a Claim for Your Benefits                    Non Social Security,    From US Department of Labor
Retirement Benefits – Online Application                                This is for Social Security Benefits
How Your Retirement Benefit is Figured                                 This is for Social Security Benefits
Full Retirement Ages, and the Costs of Retiring at Age 62
All About Social Security Credits
Retirement Planning                 A comprehensive discussion by the Social Security Administration
Retirement Ages                      Social Security explains retirement ages based on your birth year
Protect Your Pension- Quick Reference          A reference guide from the US Department of Labor
Railroad Retirement Board                 Online Railroad Retirement Board forms, pension information
Psychological Challenges of Retirement
Federal Employees Retirement                                                   Info for the Federal Employee
Social Security and Disability Resource Center  (private source)
Marriage, Divorce, and Name Change                                           Get Help with your Situation
What do Seniors Buy?            Do the CPI and COLA really reflect Senior needs and expenditures?
Sign up for Direct Deposit                                           http://www.ssa.gov/deposit/

Social Security Awaits Bush's Exit

Click here to add SeniorArk to your favorites! Do you really lose 50 cents on the dollar if you retire at 62, and have a good income?

Social Security  TIPS

Most Recent Tip is Last

Beware Social Security e-mail scammers. The Social Security Administration is warning beneficiaries to ignore e-mails purporting to be from the agency. The bogus e-mails notify readers “that someone illegally is using your Social Security number and assuming your identity.” The agency never asks for credit card information, and consumers should never provide a Social Security number unless they know the source. Report suspicious e-mails to the Social Security’s Office of Inspector General at 1-800-269-0271 or www.socialsecurity.gov/oig.

Your Social Security retirement or disability benefits may be reduced

If you work for an employer who does not withhold Social Security taxes from your salary, such as a government agency or an employer in another country, the pension you get based on that work may reduce your Social Security benefits.

The “windfall elimination provision” affects how the amount of your retirement or disability benefits is calculated if you receive a pension from work where Social Security taxes were not taken out of your pay. A modified formula is used to calculate your benefit amount, resulting in a lower Social Security benefit. Details at this site.

Smaller sacrifices now can save Social Security
Charlotte Observer - September 10, 2006The crisis cited by Democrats and Republicans alike is years away, but we cannot afford to wait until it is upon us to find a cure. The longer we wait, the more drastic the cure will have to be. Acting now, the cure can be almost painless.

Never carry your social security card or number in your purse or wallet. Makes it easier for a thief to use it to steal from you.

Don't let Congress keep spending our Social Security
The money that we have paid into our Social Security is not being preserved but has been and continues to be spent by the federal government to pay its other bills and obligations and to fund pork-barrel projects of Congress.
According to the latest figures, Congress has taken a whopping $2.5 trillion of our Social Security savings and will take another $79 billion this year alone.

One thing for sure: Congress' $2.5 trillion debt to Social Security won't simply disappear. Someone must pay it back: either you or me or the politicians. It's in our hands. L.L.

Test your knowledge about Social Security survivors' benefits. Most of us don't like to talk about death or even think about it. But wouldn't you feel better knowing that, if you were no longer living, Social Security would help take care of your family? Of course, you would. Few people realize that their Social Security survivors' insurance is probably worth more than any life insurance they have through work or a private insurance company.

Question: My wife and I are nearly 62. She worked little during our long marriage and does not have enough credits to qualify on her own. If I elect to collect Social Security at 62, will my wife receive any benefits, or will we just get my benefit?  Answer

Study after boomer study paints a similar picture: 69 percent of baby boomers say they will work into retirement, and only 48 percent see retirement as a time to indulge themselves.  While the first baby boomers have not reached 62, a third of people who currently work beyond retirement are only working part time.

Although many people aren't aware of this, Social Security can also provide benefits when someone retires, becomes disabled or dies. A spouse or children may receive benefits based upon the eligibility of the deceased person. Widows and widowers who collect survivor benefits can switch to their own retirement benefits as early as age 62.

The Social Security retirement program has been a basic part of American life since 1940. It's unlike any other income because you can't outlive Social Security benefits and benefits won't lose their value. Social Security can't lose its value because it's always adjusted to keep up with inflation. The amount of your retirement benefits are based on three things: how much time you spent in the workforce, how much money you made and the age you start receiving benefits.

Five useful Social Security Tips:

It's important to understand more than just the basics of Social Security. Besides learning more about the benefits, you can also take measures to ensure you get everything you deserve.

1. Make sure you get full credit - As you read your statement, double-check the years you have worked. If you think there is a mistake, check your own records or contact a former employer for information.

2. Compare figures - Look at the amount of benefits you will receive at age 62 compared to your full retirement age. Consider these figures when you decide the age at which you would like to retire.

3. Know what you will receive - Understand that you don't necessarily get out of Social Security what you put into it. The system places a percentage of your average lifetime earnings that were subject to Social Security tax. And ironically, the less you contribute to the system, the better the investment is and the greater the replacement percentage may be.

4. Don't forget about Medicare - If you're getting Social Security benefits when you turn 65, your Medicare Hospital Benefits start automatically. If you're not getting benefits at that age, you should sign up for Medicare close to your 65th birthday.

5. Research - Visit the Social Security Administration Web site for publications and online resources. You can also apply for benefits online at http://www.ssa.gov.

You should contact your local social security office three months before the month you plan to retire. Processing, and established payment schedules may cause a longer delay in receiving your first check, if you delay.

Social Security and You: Benefit statements are easy to replace
I understand that I should have already received my SSA-1099 so I can complete my income tax return. I must have misplaced it. How can I go about getting another one?

A recent Q&A from the newspaper:  

Q: I retired early and my only income has been withdrawals from my Individual Retirement Account, or IRA. I plan to apply for Social Security this year. Will my IRA income reduce my Social Security benefits?

A: No. In calculating your retirement benefits, we count only the wages you earn from a job or your net profit if you're self-employed.

Non-work income such as pensions, annuities, investment income, interest and capital gains are not counted and will not affect your Social Security benefits. To learn more about Social Security benefits, visit Social Security's Web site at www.socialsecurity.gov, or call us toll-free at 1-800-772-1213 (TTY 1-800-325-0778).

Largest Increase Ever Forecast for Medicare Part B Premiums in 2008; 22 Million Would Get No Boost in Social Security Checks as Result. Read Article
FAQ: An estimated 76 million Americans born in the so-called “baby boom” years - from 1946 through 1964 - will start turning 62 in 2008, making them eligible for Social Security benefits.

Social Security offices nationwide are bracing for the first round of baby boomers to hit retirement age, and officials advocate applying online to avoid possible long lines.
“We have a good Web site,” said Tom Bachmann, the manager of the Mount Airy, NC office of the Social Security Administration. “If they (filers) feel comfortable with it, that's the way to go.” However, waiting in line at a government office and its associated pressures can be avoided almost completely through the computerized alternative. The entire process for filing retirement claims can be done online at www.socialsecurity.gov, except for supplying valid proof of age. Social security officials must actually see a person's birth certificate or a religious record such as a baptismal certificate. A photocopy is not acceptable. Other than that requirement, the entire process can be done via the Web site. Applicants can mail an original document as opposed to physically bringing it to the office. But Bachmann recognizes that some will be uncomfortable taking that route, especially with a birth certificate dating to the mid-1940s. “A lot of people are uncomfortable mailing a document like that,” he said. The Social Security Administration has been trying to work with states to provide its field offices with access to vital statistics, which would eliminate a trip to the office altogether.

The Federal US Government may tax some of your Social Security benefits. Here is a link to the official IRS publication #915, explaining that possibility.
Here is an important fact about the Social Security card and number that everyone should know: There is never a charge for getting a new or replacement Social Security card or for changing your name with Social Security. Please remember this if you ever get offers from “middlemen” who want to charge you a fee to help you get a Social Security card or number or change your name on your Social Security card and records.
keep your Social Security card in a safe place, with your important papers. You should not carry it with you unless you know you are going to need it, such as for a new employer. And don’t give your Social Security number out to just anyone. Safeguarding your Social Security card and number will go a long way to keep your identity safe.

Every day this year, about 10,000 baby boomers turn 62. Many will have questions about their Social Security benefits, but few will likely get answers -- at least not quickly. The Social Security Administration's has reduced its staffing by more than 5 percent since 2003, to about 60,000. That means seniors such as Early L. Graham of Raleigh, N.C. have dealt with long hold times and promises of call backs that never come. "I had to call three different numbers before I got anyone on the phone," one caller reports.

Seniors are waiting for your tip here.     Or submit a useful link for the section above.

Social Security in the NEWS

Newest Articles Appear First

If any links are dead, they have probably been dropped by the original publisher.

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