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Tools to help you decide on when to retire These days, everyone is taking a new look at their finances — and no one is looking more closely than the millions of baby boomers who are nearing retirement age. While some boomers expect to retire at one of the traditional milestones, such as age 62, the current economy is forcing many to re-evaluate their plans. Many are wondering if they should work longer and how their Social Security benefit — or their spouse’s benefit — will be affected by changes in their retirement plans. To help them find answers, Social Security has a fact sheet called “When To Start Receiving Retirement Benefits.” You can read it online at www.socialsecurity.gov/pubs/10147.html. As most workers know, your choice of a retirement age — from 62 to 70 — can dramatically affect your monthly Social Security benefit amount. If you choose to start receiving benefits early, the monthly payments will be reduced based on the number of months you receive benefits before you reach your full retirement age. The rate
of reduction will depend on the year you were born. The maximum reduction at age 62 will be: ■ 20 percent for people born before 1938 and a sliding scale for people born in 1938 through 1942. ■ 25 percent for people born between 1943 and 1954 and a sliding scale for people born in 1955 through 1959. ■ 30 percent for people born after 1959. If you wait until your full retirement age, 67 for people born in 1960 or later, your benefits will not be reduced. And if you should choose to delay retirement, your benefit will increase up to eight percent a year from your full retirement age until age 70. However, there is no additional benefit increase after you reach age 70, even if you continue to delay taking benefits. The choice of when to take Social Security retirement benefits can also affect one of the most valuable aspects of Social Security — the cost of living adjustment (COLA). More and more people are living longer; a person
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reaching retirement age this year can expect to live an average of about 20 years. As they age, most people find that Social Security becomes more important as a source of retirement income. A fixed income asset, for example, that paid $500 a month twenty years ago still pays the same $500.
On the other hand, the average Social Security retirement benefit nearly doubled over the last 20 years, increasing from $588 to $1,171. If you choose to retire early and receive a reduced benefit amount, the dollar amount of your COLAs over the years will also always be less — a small dif-
Plan now for a better future in retirement Money may be a bit tight right now, but just a little extra effort today in financial planning can yield big dividends later on no matter what your age. Here’s why. A study on retirement satisfaction by researchers at Boston College asked retirees this question: “All in all, would you say that retirement has turned out to be: very satisfying, moderately satisfying or not satisfying at all?” They found that among retired couples, those who answered “very satisfied” or “moderately satisfied” had income in retirement replacing 72 percent of their pre-retirement earnings, while those who said that their retirement was “not satisfying at all” had income replacing only about 60
percent of their pre-retirement earnings. When thinking about retirement, be sure to plan for the long term. Many of us will live much longer than the “average” retiree, and, generally, women tend to live longer than men. About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95. Social Security benefits, which last as long as you live, provide valuable protection against outliving savings and other sources of retirement income. Again, you will want to choose a retirement age based on your circumstances so you will have sufficient income when you need it. Remember that Social Security provides about 40 percent of pre-retirement earnings
replacement for the average wage earner, making Social Security the foundation upon which you can build your secure retirement. You also will need other savings, investments, pensions or retirement accounts to make sure you have enough money to live comfortably when you retire. And, Social Security offers several tools to help you plan now for a better future. You will want to visit our popular Retirement Estimator. There, you can key in some basic information and get a quick and accurate estimate of your benefit amount using different scenarios. You can find the Retirement Estimator at www.socialsecurity.gov/estimator.
See RETIRE, page 3
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ference that will add up over time. Social Security also has created several retirement planners to help you make an informed decision. Social Security has an online calculator that can provide immediate retirement benefit estimates to help you plan for your retirement. The online Retirement Estimator uses information from your own earnings record, and lets you create “what if” scenarios. You can, for example, change your “stop work” date or expected future earnings to create and compare different retirement options. Once you know what to expect from Social Security in retirement, you will have a better idea of how much you need to save to be a “very satisfied” retiree. Retirement decisions are unique to everyone. Make sure you are up to date with the important information you will need to make the choice that’s right for you. To learn more about Social Security, go online at www.socialsecurity.gov or call (800) 772-1213. Source: Social Security Administration
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Wrap up your retirement application early If you’re planning on retiring sometime early in the new year, we suggest you wrap up your retirement application now before wrapping any holiday gifts. It’s so easy and can take as little as 15 minutes. Just go to www.socialsecurity. gov/applyonline. Our website makes the retirement application process quick, easy and secure. In most cases, once your application is submitted electronically, you’re done. There are no forms to sign and usually no documentation is required. Social Security will process your application and contact you if any further information is needed. Before you start your application, you may want to spend a few minutes to get an estimate of your retirement benefit at www.socialsecurity.gov/estimator. The Retirement Estima-
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tor uses your personal employment history to estimate your retirement benefit. Then, jump right into the application. You can use the online application to apply for Social Security retirement or spouses benefits if you: ■ Are at least 61 years and 9 months old; ■ Want to start your benefits in the next four months; and ■ Live in the United States. Before filing online, we suggest you have the following information on hand: ■ Your date and place of birth and Social Security number; ■ Your bank or financial institution’s routing transit number and the account number, for direct deposit of your benefits; ■ The amount of money earned last year and this year. If you are filing for benefits in the months of September through December, you also will need to
estimate next year’s earnings; ■ The name and address of your employer(s) for this year and last year; ■ The beginning and ending dates of any active U.S. military service you had before 1968; ■ The name, Social Security number, and date of birth or age of your current spouse and any former spouse. You also should know the dates and places of marriage and dates of divorce or death (if appropriate); and ■ A copy of your Social Security Statement. Even if you don’t have all the information we need at your fingertips, you should go ahead and apply now. Applying online means there is no need for you to go to a Social Security office or wait for a scheduled appointment with a Social Security representative. Source: Social Security Administration
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RETIRE From page 2 Once you know just what to expect from Social Security in retirement, you will know just how much you need to save to be among the “very satisfied” American retirees. And America will thank you for it, because Social Security payments don’t stop in the bank accounts of older Americans. From there, they venture into the economy, purchasing goods and services. We encourage saving for retirement, but there are reasons to save for every stage of life. A great place to go for help is www. mymoney.gov. MyMoney.gov is the U.S. government’s website dedicated to teaching Americans the basics about financial education. Whether you plan to buy a home, balance your checkbook or invest in your 401(k) plan, the resources on www.MyMoney. gov can help you do it better. Throughout the site, you will
PAGE 3 find important information from 20 federal agencies government wide. These online resources are a great way to learn more about your retirement future. Whether you are close to receiving Social Security retirement benefits or just beginning to work, Social Security offers a number of services and a wealth of information at www.socialsecurity.gov. Apply for retirement benefits online and save yourself a trip to the office — it’s quick and easy. Once you submit your online application electronically, in most cases, you’re done. There are no forms to sign or documents to send in. If we do need more information to process your application, a representative will contact you. For more information about applying online, visit our website at www. socialsecurity.gov or call us tollfree at (800) 772-1213 (TTY (800) 325-0778). Source: Social Security Administration
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SOCIAL SECURITY
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Social Security serves those who serve America Military service members receive quicker processing of their disability applications from Social Security. Under an agreement started by Social Security, the Department of Defense sends information that allows us to quickly identify military personnel injured in Operations Enduring Freedom and Iraqi Freedom. The expedited process is available for any military service member who becomes disabled during active duty on or after Oct. 1, 2001, regardless of where the disability occurs. Depending on the situation, some family members of military personnel may also be able to receive benefits, including dependent children and spouses. Social Security pays disability benefits through two programs: the Social Security disability insurance program, which pays benefits to you and certain members of your family if you are “insured,” meaning that you worked long enough and paid Social Security taxes; and the Supplemental Security Income (SSI) program, which pays ben-
efits based on financial need. If you, or someone you know, has been wounded while on active duty in the military, visit our website to find out what Social Security can do for you: www.socialsecurity.gov/ woundedwarriors. There, you will find answers to a number of commonly asked questions, as well as useful information about disability benefits and Supplemental Security Income (SSI), and fact sheets, Disability Benefits for Wounded Warriors and Expediting Disability Applications for Wounded Warriors. Remember, active duty status and receipt of military pay does not, in itself, necessarily prevent payment of Social Security disability benefits. Receipt of military payments should never stop you from applying for disability benefits from Social Security. If you are receiving treatment at a military medical facility and working in a designated therapy program or on limited duty, we will evaluate your work activity to determine your eligibility for benefits. You cannot receive Social
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Security disability benefits if you engage in substantial work for pay or profit. However, the actual work activity is the controlling factor and not the amount of pay you receive or your military duty status. You can speed the decision on your application for benefits by being prepared for your interview. We can take prompt action on your claim if you: ■ Let us know right away that your disability occurred while
on active military duty; ■ Have information available regarding all the doctors you have seen and the address of the military site where your records are kept; ■ Notify us of any address changes you have while we are working on your claim; and ■ Inform us about any changes in doctors, hospitals, or outpatient clinics where you are receiving treatment. After we receive your appli-
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If your disabling condition is preventing you from continuing What type of information do we need? to work, you may want to apply ■ Dates of marriages and divorces. ■ Any medical records or documenfor disability benefits through ■ Checking or savings account tation you have is helpful. We can Social Security. In most cases, number, and the bank’s 9-digit routing make copies of the records you have number, so we can deposit your payand return your originals. doing so involves a thorough proment electronically. ■ The names, addresses and phone cess of determining your eligibil■ Name, address and phone number numbers for any doctors, medical faity, medical condition and ability of a person we can contact if we are cilities, treatment centers or providers to work. Because we look careunable to get in touch with you. related to your disabling condition. fully at so many cases — more ■ If this disability application is for ■ The names, addresses and phone than three million each year — it a child, we need the name, address, numbers for previous employers and can take us three to five months phone number of the schools attended the dates worked for each employer. to determine whether you are ■ Workers’ compensation information, and any school records you can eligible. provide. In addition, provide the name, including the settlement agreement, address and phone number of an date of injury, claim number and proof Processing times on that iniadditional responsible adult who can of other disability benefits awarded. tial claim can vary depending on assist in the claim process in case you ■ Names and dates of birth of your several factors, but primarily on: are unavailable or unreachable. minor children and your spouse. ■ The nature of your disability; ■ How quickly we obtain medical evidence from your doctor order to obtain evidence to sup- more information you provide up port your claim. and other medical sources; and front, the less time it will take us There are things you can do to ■ Whether we need to send you for a medical examination in help speed up the process. The See DISABILITY, page 5
cation for Social Security disability benefits, we will identify it as a military service member claim and expedite it through all phases of processing, both at Social Security and the Disability Determination Service. We also expedite disability claims filed online. You will also find links to useful Veterans Affairs websites. There are links to information about the “Operation Enduring Freedom/Operation Iraqi Freedom Home,” information on survivors benefits, the Task Force on Returning Global War on Terror Heroes, a fact sheet on veterans benefits and the Veterans On-Line Application, known as VONAPP. To learn more about Social Security for people who have served in the military, read a copy of our publication, Military Service and Social Security. You can find it online at www. socialsecurity.gov/pubs/, or call us at (800) 772-1213 (TTY (800) 325-0778) to ask us to mail a free copy to you. Source: Social Security Administration
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DISABILITY From page 4 to obtain the evidence we need — and the faster your claim may be processed. We also ask you to sign release forms that give us permission to obtain the information needed from third parties to make a decision on your claim. You can apply online for dis-
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What you need to know about survivors’ benefits The loss of a loved one can be painful. The death of a wage earner upon whom a family depends also can be financially devastating. If you are like most young or middle-aged workers, you probably think of Social Security only as a retirement program. However, some of the Social Security taxes you pay go toward providing survivors’ insurance for workers and their families. Think of it as a life insurance policy you never knew you had — paid for by the same taxes that cover you for retirement or disability. When you die, certain members of your family may be eligible for survivors’ benefits. These include widows, widowers (and divorced widows and widowers), children (including stepchildren if they meet certain dependency requirements) and even dependent parents. In many cases, there also is a $255 one-time lump-sum payment made to a surviving spouse or minor children who meet certain requirements. A widow, widower or a surviving divorced spouse (if you were divorced, your marriage must have lasted at least 10 years) can
receive benefits as early as age 60, or if you are disabled, age 50. Benefits are also available at any age if you are caring for a child of your late spouse or ex-spouse. The child must be: ■ Your natural or legally adopted child, and, ■ Under the age of 16, or ■ Entitled for childhood disability benefits and the level of care you provide meets specific guidelines. You may not think it will happen to you, but the stunning truth is that one in eight of today’s 20-year-olds will die before reaching their full retirement age of 67. In fact, 98 of every 100 children could get benefits if a working parent dies. More than 6.4 million survivors receive benefits. How it works: You can earn up to four Social Security credits each year. In 2011, for example, you earn one credit for each $1,120 of wages or self-employment income. When you have earned $4,480, you have earned your four credits for the year. The number of years of work you need for your family to receive benefits depends on your age at death, or how recently you
worked at the time of death. No one needs more than 40 credits (10 years of work) to be eligible for any Social Security benefit. The average Survivors benefit is $1,129 a month. If you are a survivor, you should apply for survivors benefit right away. You can apply by telephone or at any Social Security office. Call us toll-free at (800) 772-1213 (TTY (800) 325-0778). To help prepare you, here is the information we will need: ■ Proof of death; ■ Your Social Security number, as well as the deceased worker’s; ■ Your marriage certificate, if you are a widow or widower; ■ Your divorce papers, if you are applying as a divorced widow or widower; ■ Dependent children’s Social Security numbers and birth certificates; ■ The name of your bank and your account number so your benefits can be deposited directly into your account. To learn more about survivor’s benefits, please read the online publication at www.socialsecurity.gov/pubs/10084.html. Source: Social Security Administration
PAGE 5 ability benefits, or you can make an appointment by phone or in a Social Security office. The choice is yours. (For Supplemental Security Income (SSI) disability benefits, you cannot apply online, but you still can complete the Disability Report to prepare for the interview and speed up the processing time.) Visit www.socialsecurity. gov/disability. Source: SSA
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SOCIAL SECURITY Q&A Q. How can I estimate my retirement benefit at several different ages?
apply for benefits. Or, you can read one of our 150 or so publications. Many are in Spanish and some are in 14 other languages as well as in audio and alternative formats. Online, you also can find your local Social Security office or find out what documents you need to make a change to your Social Security card. And for the curious, check out the fun facts
A. It’s easy! Use our Retirement Estimator at www.socialsecurity. gov/estimator to get a retirement benefit estimate based on current law and real time access to your earnings record. The Retirement Estimator also lets you create additional “what if” retirement scenarios to find out how changes in your situation might change your future benefit amount. It’s also available in Spanish at www. segurosocial.gov/calculador.
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Q. What can Social Security do to Q. I can’t find my Social Security help me plan for my retirement? card. How can I get a new one? A. Social Security has some great online financial planning tools you can use to make an informed decision about your retirement. Social Security’s online Retirement Planner and our online Retirement Estimator are both tools you can access online at any time. These will let you compute estimates of your future Social Security retirement benefits. They also provide important information on factors affecting retirement benefits, such as military service, household earnings, and Federal employment. You can access our Retirement Planner at www.socialsecurity.gov/retire2. Find the Retirement Estimator at www.socialsecurity. gov/estimator.
on our website, like this one: did you know the first Social Security payment of 17 cents went to a fellow named Ernest Ackerman in January 1937? It was a one-time, lump-sum pay-out — the only form of benefits paid during the start-up period January 1937 through December 1939. Source: Social Security Administration
A. First, consider whether you
really need a new card. You need to apply for a replacement Social Security card only if you don’t know your Social Security number or, if you need to show your card to a new employer. If you decide that you do need a card, you can replace it for free in three easy steps. Step 1: Complete an Application For a Social Security Card (Form SS-5) Step 2: Show us documents proving your: ■ Identity; and ■ U.S. citizenship or immigration status. Step 3: Take your completed application and original documents to your local Social Security office or your local Social Security Card Center. You’ll receive your Q. What’s the best way to apply replacement card in about 10 to for extra help with Medicare pre- 15 days. You can find all the information scription drug costs? you need, including what docuA. The fastest and most conve- ments we will need to review, at nient way to apply for extra help www.socialsecurity.gov. with Medicare prescription drug costs is online at www.socialse- Q. Is it true I must now receive my curity.gov/prescriptionhelp. benefits through direct deposit? Medicare beneficiaries with limited income and resources A. Anyone applying for benefits may qualify for extra help, which on or after May 1, 2011, will be pays part of the monthly prerequired to receive their paymiums, annual deductibles, and ments electronically, while those prescription co-payments under already receiving paper checks the Medicare prescription drug will need to switch by March 1, program. The extra help is esti2013. Paper checks will no longer mated to be worth an average of be an option for most people. If $4,000 per year. you don’t have a bank account,
you can get your benefits through the Direct Express debit Mastercard. Switching from checks to electronic payments is fast, easy, and free at www.godirect. org. You also can call the U.S. Treasury Processing Center’s tollfree helpline at (800) 333-1795 or speak with a bank or credit union representative or contact Social Security for help.
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Q. How does Social Security decide if I am disabled? A. For an adult to be considered disabled, Social Security must determine that you are unable to do the work you did before and, based on your age, education, and work experience, you are unable to adjust to any other work that exists in significant numbers in the national economy. Also, your disability must last or be expected to last for at least one year or to result in death. Social Security pays only for total disability. No benefits are payable for partial disability or short-term disability (less than a year). For more information, we recommend you read Disability Benefits (SSA Publication No. 05-10029), available online at www.socialsecurity. gov/pubs/10029.html.
Q. What can I do at www. socialsecurity.gov? A. There are a myriad of things you can do at Social Security’s website. You can get an estimate of future benefits, find out if you qualify for benefits now, and even
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Thwart identity thieves You should always safeguard your personal information such as date of birth, mother’s maiden name and your Social Security number. Why? Because it’s that type of information identity thieves are after. You may think you’re safe simply by not carrying your Social Security card with you and not providing your personal information over the Internet or by email. Remember, scam artists have become tricky. Never reply to an email claiming to be from Social Security and asking for your Social Security number or personal information. Identity theft is one of the fastest-growing crimes in America. If you think you’ve been the victim of an identity thief, you should contact the Federal Trade Commission at www.ftc.gov/bcp/ edu/microsites/idtheft or you can call (877) 438-4338); TTY (866) 653-4261. Another trick: Some people
who receive Social Security and Supplemental Security Income benefits are victimized by misleading advertisers. Often, these companies offer Social Security services for a fee, even though the same services are available directly from Social Security free of charge. These services include getting a: ■ Corrected Social Security card showing a bride’s married name. Social Security card to replace a lost card. ■ Social Security number for a child. If you receive or see what you believe is misleading advertising for Social Security services, send the complete mailing, including the envelope, to: Office of the Inspector General, Fraud Hotline, Social Security Administration, P.O. Box 17785, Baltimore, MD 21235. Source: Social Security Administration
SOCIAL SECURITY
Tax tips It’s never too early to plan for filing the next tax return. Here are Social Security’s top three tips for making tax time a lot easier. 1. Don’t forget the children. Make sure the kids (and all the dependents) you list on your annual tax forms have Social Security numbers. Yes, children do need Social Security numbers. There once was a time when a child did not require a Social Security card until later in life, but in 2011, that day is long gone. If you want to claim your child as a dependent on your tax return, your child will need a Social Security number. For many families, it is not only the kids who will need a number, but all dependents listed on your federal tax return need one. This includes a dependent parent who lives with you and receives support from you. If any of your dependents need a Social Security number, you can get an application at www.socialsecurity.gov. 2. Check the names and numbers. It is not enough for everyone on your tax return to have a Social Security number — they also must be the correct numbers, and they must match your names exactly. The Internal Revenue
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THE COURIER Service (IRS) checks all the names and Social Security numbers on your tax return against Social Security’s records. If the names and numbers do not match Social Security’s records, you will receive a letter from IRS asking you to explain the discrepancy. You cannot receive a tax refund until the discrepancy is resolved — which could mean an unnecessarily long delay. 3. Paying taxes on Social Security benefits. If you receive Social Security benefits and your total income, including benefits and any other income such as wages, pensions, or investment income is high enough, you may have to pay taxes on a portion of your benefits. Plan accordingly as you work out your budget. You may have to pay taxes on your Social Security benefits if: ■ you file as an individual and have a total annual income of $25,000 or more; or ■ you file a joint return and have a combined total annual income of $32,000 or more. If you need to pay taxes on a portion of your benefits, you will need your SSA-1099. This form shows the total amount of benefits received in the
previous year and the form is used to find out whether any benefits are subject to tax. You will receive your SSA-1099 for the tax year in the mail — they are automatically mailed to all beneficiaries by January 31 of the following year. If you receive Social Security and do not receive a Form SSA-1099 for 2011 by January 31 of the following year, you can request a replacement online at www.socialsecurity.gov/onlineservices. Or you can call Social Security’s toll-free number, 1-800-772-1213 (TTY, 1-800-325-0778) and ask for a replacement SSA-1099 to be mailed to you. You can ask us to withhold federal taxes from your Social Security when you apply for benefits. If you are already receiving benefits or if you want to change or stop your withholding, you will need a form W-4V from the Internal Revenue Service (IRS). When you complete the form, you will need to select the percentage of your monthly benefit amount you want withheld. You can have 7 percent, 10 percent, 15 percent or 25 percent of your monthly benefit withheld for taxes. Source: Social Security Administration
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