social security

Perennial questions about Social Security

by lmallernee | June 6th, 2012

June 6, 2012

Should you apply for Social Security? If you have never worked, do you get Social Security? These are two perennial questions that pop up concerning Social Security retirement, according to The Sacramento Bee.

To answer the first question—you should apply for your Social Security online. There is no need to waste time by driving to a local Social Security office and waiting for an appointment with a representative. Applying online is user-friendly, convenient, easy, and it can take as little as 15 minutes.

After filling out the application, you can then submit it online electronically at the push of a button. There are no forms to sign and no documentations to mail. Social Security will contact you if they need further information.

Just go to http://www.socialsecurity.gov and follow the directions.

To answer the second question, if your spouse has worked, you will be entitled to one-half of your spouse’s benefit if you start collecting at your full retirement age. If you start earlier, your benefits will be reduced.

For instance, if your full retirement age is 66, you can get 35 percent of your spouse’s unreduced benefit at age 62; but if you wait until your full retirement age, the benefit amount increases to the maximum 50 percent.

Learn more at www.socialsecurity.gov/retire2/yourspouse.htm.

If you or someone you know needs help with Social Security Disability benefits, contact the Disability lawyers at Fleschner, Stark, Tanoos & Newlin.