228 thoughts on “Retire Online with Social Security, Quickly and Easily

  1. I turn 66 in January 2020. I am 8 months older than my spouse and my benefits will be lower than his in September 2020 when he reaches FRA.
    Can I apply online now for my FRA benefits and still be entitled to receive the spousal benefit when he reaches FRA? I understand that I would get my amount plus an amount that makes my total spousal benefit 50% of his. Is that correct? Also, how and when would I apply for the spousal benefit once he reaches FRA and applies for his benefit? I can’t get a grasp on this new Deemed Filing rule and how it applies in my situation. One article I read said that when I apply for my benefit, I am Deemed to have applied for the spousal benefit so that when he applies for his FRA benefit, I will AUTOMATICALLY begin to receive the higher spousal benefit amount as opposed to my lower amount that I would have been receiving for several months. Please advise me on the proper steps both my husband and myself should take when filing, to be sure we will be getting the full amount we should be entitled to. Also, do we need to provide any supporting documentation, ie. Certified copy of marriage license? I don’t want to do this incorrectly and end up leaving money on the table. Thank you

    • Hi, Debbie. Thanks for your questions. To qualify for spouse’s benefits, your husband must be receiving retirement or disability benefits. Also, if you qualify for Social Security benefits on your own record, we pay that amount first. But if you also qualify for a higher amount as a spouse, you’ll get a combination of benefits that equals that higher amount. For more information, visit here. If you have additional specific questions, please call us at 1-800-772-1213, Monday through Friday, between 7:00 a.m. and 7:00 p.m., for assistance. Generally, you will have a shorter wait if you call later in the day. We hope this helps.

    • Hi, Debra. We are sorry to hear about your experience. For your security, we do not have access to private information in this venue. We ask that members in our Blog community work with our offices with specific questions. You can call us at 1-800-772-1213, Monday through Friday, between 7:00 a.m. and 7:00 p.m., for assistance. Generally, you will have a shorter wait if you call later in the day. You can also contact your local Social Security office. We hope this helps.

  2. You state it is easy to process an application online. I do not think so. I filed for benefits in November 2019 to start receiving in February 2020. It is January 20th and I still have not received a confirmation that my application was approved.

  3. When do I have to notify you that I wish to collect my social security benefits? Also please open my SS LINK, it somehow got shut down (password error?) TY john

  4. My wife turns 67 this year in June and at that time plans to only work 3 days a week. Can she collect half of my SS (I will be 66 when she retires) while she works 3 or less days a week, and doesn’t collect her SS benefits?
    Is there a way for her to collect half my SS benefit without any penalties to her or me?
    I plan to continue working full time making a decent wage?

  5. How do you generate or start receiving your monthly benefit check if filed Part A a year ago (at your Max Retirement Age) but withdrew app to start drawing benefit check. because you were still working full time.
    But NOW you want to sttart drawing your income check. ????

    I’m not disabled. Last year I turned 66 (MRA) but still working full time. so I only applied for Medicare Part A because I still have medical insurance at work. . I didn’t want to start drawing the monthly SSI check yet because since I was still working. – wanted to wait another year before I start drawing the check. NOW, I am ready to start drawing my monthly benefit check. Can’t reach anyóne by phone because if the COVID-19 epidemic. Went on-line to my account and can’t find any information how to start generating your monthly check.

  6. How to I complete the application for spousal benefits only? The online application has a section and I completed it as follows:

    Benefits to start in 03/2020: No
    Benefits should start in: 01/2020
    The specific reason this start date was selected:Other Reason
    Description of other reason:I work I want spouse bene only
    If eligible for both retirement and spouse’s benefits, delay receipt of retirement benefit: Yes

    So basically, 2 questions:
    1: Did I complete this section properly for spousal benefits only
    2: How do I actually submit the application as there is no “submit” button?

    • Hi Toni. For your security, we do not have access to private information in this venue. We ask that members in our Blog community work with our offices with specific questions. You can call us at 1-800-772-1213 for assistance or you can contact your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. We hope this helps.

  7. Received letter and phone call from SS Admin Jamaica, NY. and want me to contact office @866-226-2306 about my claim. Is this phone # truely from SS Admin?

    • Hi Robert. Thanks for checking in with us. Generally, we will only contact you if you have requested a call or have ongoing business with us. Recently, scams — misleading victims into making cash or gift card payments to avoid arrest for Social Security number problems — have skyrocketed. Our employees will never threaten you for information or promise a benefit in exchange for personal information or money. To inquire, you should call your local office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. You can also call our national toll free number at 1-800-772-1213 (TTY 1-800-325-0778).

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