3 Things You Can Do to Prepare for Retirement Right Now
Reading Time: 2 MinutesLast Updated: November 3, 2023
Whether you just started seriously planning or are ready to retire, Social Security is the place to start. We’re with you throughout life’s journey, and that includes retirement planning!
The first thing you should remember is that Social Security replaces only a portion of your pre-retirement earnings. Most financial advisers say you will need about 70 percent of pre-retirement income to live comfortably in retirement, including your Social Security benefits, investments, and other savings. A solid retirement plan includes planning for more than Social Security. You can use Your Retirement Checklist to help you prepare.
When the time comes to take that giant step into retirement, Social Security’s online services can help guide you in this new journey. Use these services to help prepare yourself for a financially secure retirement:
- Check your earnings for accuracy
- With a my Social Security account, you can view your earnings history, confirm you have enough work credits to retire, and see estimates of what your benefits will be. Open your account today!
- Determine the best age for you to retire
- Our Retirement Estimator is a great tool that provides you with immediate and personalized estimates based on your own earnings record. This allows you to receive the most accurate estimate of your future retirement benefits. Estimate your benefits now!
- Retire online
- After you have viewed your earnings history for accuracy, confirmed you have enough work credits to retire, and determined the best age for you to retire, you can get started on the next phase of your life right away by retiring online! Retire online today!
This National Social Security Month, remember that Social Security is here to help you secure today and tomorrow. Visit our online services website today to see all you can do with us online.
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Tags: my Social Security, my Social Security account, retirement, retirement benefits, Social Security benefits
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Jim Borland, Acting Deputy Commissioner for Communications
Jim Borland, Acting Deputy Commissioner for Communications
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jack
vary good thanks
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Rhiannon J.
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R.F.
We appreciate your thoughts. Thanks for your comment!
Daniel
I am 65 years old recently…..if i to delay my social security…..do i need to make appt ?????PLEASE suggest and/recommend!!!!!!!
R.F.
Hello Daniel, if you delay your retirement beyond full retirement age, you earn delayed retirement credits automatically up until age 70. Delayed retirement credits increase your monthly benefit. Most people age 65 or older are eligible for free Medicare Hospital Insurance (Part A). Remember to sign up for Medicare only online if you delay your retirement benefits.
If you need further assistance, please call our toll free number at 1-800-772-1213. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later during the day. Thanks!
Ronald
Esta informacion esta Fantastica!!!.Muchas gracias!
R.F.
We appreciate your thoughts, Ronald. Thanks for your comment!
For information in Spanish, please visit us at http://www.segurosocial.gov or http://www.facebook.com/segurosocial.
For Social Security information in other languages, please visit us at http://www.socialsecurity.gov/multilanguage.
Gerardo c.
Muy buena la informacion.
Gracias
Toni G.
I need to apply for a new social security card.
I think mine might have been throw away.
My husband was not aware that it was in a folder,he thought was old.
R.F.
Hi! We prefer a government issued document with your picture, as proof of identity to replace your Social Security card. If you do not have one or you cannot get one within a reasonable amount of time, we may be able to use other documents such as:
•Employee identification card;
•School identification card;
•Health insurance card; or
•U.S. military identification card.
Any document you submit, must be an original or certified copy, current (not expired) and show your name, and other identifying information (date of birth or age).
Also, realize that you may not need a replacement card. You will rarely need to show it. Knowing your Social Security number is what is important.
To see if you’re eligible to apply for a replacement Social Security card online or to learn more on the process and what documents you will need to get a card, please visit our “Social Security Number and Card” web page.
We hope this helps!
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Jack P.
I am having trouble signing up for Medicare. My birthdate is July 17, 1953 so I have to be enrolled today.
I’m being locked out of the system because it couldn’t identify me. Help.
Jack Patterson
303-478-4611
Wanda G.
I am on SSD at what age do I get on regular Social Security.?
R.F.
Great question, Wanda! Social Security disability benefits automatically change to retirement benefits when disability beneficiaries attain their full retirement age. Benefits are not interrupted with this transition and the benefit amount will generally remains the same.
TYRONE R.
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