Social Security Application -

What You Need to Know Before You File...

By Wendy Fisher, Retirement-Online.com

Your Social Security application is relatively easy to do - but are you really ready?

Social Security is one very complex system... and we all know that! This is my attempt to simplify a few things that you should consider when looking at your Social Security benefits.

Maybe it's the right time for you to apply, but think twice -- maybe it's not. There is plenty to consider.... just read a few pages and see if anything hits home with you, ok?

First, if you need to contact Social Security, or need to apply for Social Security, go here... 


You need to know the right questions
to get the right answers
for your specific circumstances!

The Basics of Social Security

The very simplest basics of your Social Security monthly payment.

How does Social Security do the Social Security calculation?

Marriage, Divorce, and Social Security

How does Marriage and Social Security retirement benefits work together?

When your Spouses Pre-Deceases You

Need information on the Social Security Survivor benefit? This is for those who have lost a spouse to death, even years ago.

Early Retirement and Your Social Security Benefit

Wondering how an early retirement Social Security benefit might affect you?

Social Security At Age 62?

Should you or shouldn't you consider Social Security early retirement? There are no easy answers!

Remain Working: Social Security After Age 62?

Are you considering working past age 62 (instead of an early retirement Social Security benefit) and curious how this will help your Social Security payment and finances? Read the bottom of this page!

Disability Retirement and Social Security

Are you considering a Social Security disability insurance benefit?

Working Past Full Retirement Age 66 - You Win!

What if you continue to work and draw Social Security benefits? What is the Social Security Income Limit? This is a true winner, if you are able to work a bit longer!

Three Odd Social Security Recalculations

Here are, in my opinion, the ODDEST three ways to have your benefit recalculated. Three odd SS recalculations here... these are legal just rarely used.

Fun Facts

Fun facts on Social Security Retirement Information here!

Social Security statistics here!

Social Security Funding... Finally, what about Social Security Funding? Will Social Security last?

Medicare And now... a word or two on another division of Social Security - namely Medicare.


Share your two cents on Social Security issues...

Do you have an experience to share with others? Your Social Security knowledge could help another retiree out there, or might give them a warning on what happened to you.

We all have different scenarios in life, and 'things happen', so please Share and help someone else out there...

Enter Title of Your Social Security two-cents here.

Learn from others... Check out their Two Cents on Social Security Issues!!

Click below to see contributions from other visitors to this page...

Kenneth's questions 
If I retire at age 65, how much money can I earn and not be penalized. For instance, if I get a job earning 30,000.00 during ages 65 and 66, what is …

Social Security & Taxes - HELP!!  
When my friends tax guy died, I started doing his taxes with turbo tax. I thought I was doing a very proficient job (I separated, calculated everything) …

Still Working and Collecting Social Security... 
How much am i allowed to earn? I was 62 on june 11.2005, started collecting a small soc sec check ($490.00) and was reduced ($245 a month) in aug 2005, …

Social Security and Still Employed 
I will be 62 May 2011. If I choose to get Social Security Benefits, how much am I allowed to make if I stay at current? Wendy's Reply: How much can …

Work and draw SS. Do benefits increase? 
If I draw SS at full retirement age (66) and continue to work, does my SS benefit continue to increase as I continue to pay into it? Wendy's reply: …

Social Security Earnings Test Repeal Act of 2009 
Due to our present economic situation, a lot of seniors on social security have lost 40% to 60% of their retirement savings and the seniors I have been …

Spouse's Social Security calculation 
Potential scenario: 1) my wife and I both fall in the pre-1955 category so we qualified to collect full benefits at age 66 2) I retired at 65 and have …

SOCIAL SECURITY, NC SENIOR, AGE 68 
Years before I was able to draw SS I had to retire from my job because of health reasons. You are going to ask why I didn't draw disability. At that …

SOCIAL SECURITY BENEFIT 
I RETIRED AT 62 AND BEGAN TAKING BENEFITS. WENT BACK TO WORK 3 YEARS AGO. NOW 77. CAN OR WILL THOSE ADDITIONAL CONTRIBUTIONS TO SS BE OF BENEFIT …

Retire at age 65 or Keep Working? 
i want to retire at 65 that is my age given to me by ss. if i keep working will i be penalised? Wendy: Heck No, you will not be penalized! You can …

Social Security Reduced at 62 ? 
If I retire at 55 after 30 years of work, and don't work again -- and start collecting social security at 62, will my social security benefit be reduced? …

Medicare: what age does it start? 
I'll be 62 this month and I'm going to start collecting Social Security. When can I collect Medicare, at 65 or 66? I've heard both. Wendy: Medicare …

Social Security and early retirement.. now what? 
I received 3 months ss payments at age 62 and then returned to work. I plan to continue working till full retirement age of 66. Do I need to repay …

Social Security and Taxes 
Do i have to claim social security as income and pay taxes on it? - rick,age 62 from michigan Wendy: As you might imagine, there are no easy answers …

Social Security direct deposit changing checking account 
I have to change my checking account and I have direct deposit so I will have to notify social security. Hhow deo I do this? Wendy: First, my apologies …

Retirement Age & Social Security 
If I retire from my job at the age of 63, can I wait until the age of 66 to draw my ss benefits? Wendy Absolutely... and if you can do that, more …

Drawing benefit and contiune working in Texas  
I have my own company LLC and I want to continue working and starting drawing my benefits from social security... Wendy: Oh boy, like the last few …

Social Security maximum earning penalty 
Thanks for your site Wendy, and thanks to all who may contribute knowledge. I was born in '49, so my full retirement age is 66. Is that when I can …

Pension vs Spouses Social Security 
Hi, Can I collect on my husbands Social Security if I am collecting my own retirement from a State retirement fund? Wendy Social Security has nothing …

Can I collect social security retirement benefits on my divorced dead husband? 
I will turn 62 in July 2011. I believe I will take early retirement because I don't have a regular job - I generally earn less than the $14,000 limit. …

Collect Social Security on an Ex Spouse? 
Can a person, at 62, collect on an ex spouse that is 63? Wendy: Yes, call Social Security for an appointment at 1-800-772-1213 -- even if you aren't …

Drawing Social Security at age 63? 
I'm age 63 and still working. Can I draw SS and still work? Wendy: You can begin to draw your Social Security benefit, but Should you apply for Social …

Can married couple receive both separete benefits? 
I'm 62, my wife is 64. We both want to retire this year. My SS benefit will be $1273. and hers will be $1531. Are we both allowed to receive our own separate …

Social Security income while working 
Can you hold down a full time job and collect your salary and Social Security after the age of 62? Wendy: No, you lose $1 of Social Security for every …

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Social Security Income Limit: Help.. 
If I am 64, full retirement age is 66, and I file for social security benefits, how much can I earn and not be penalized? Need Earnings per year while …

Social Security increase based on most recent 1040 
I am 67 and have been collecting benefits since age 66. I am also still working. Last year I got an increase due to my 2008 1040. When can I expect …

Social Security: spousal benefits 
63 year old still working, wife of same age has been mostly a homemaker so does not have enough quarters to retire on her number... can she retire on my …

Social Security Payments 
The social security site shows that my start date for benefits began on 5/09, but I did not receive my first check until 6/09. Was that check for May …

Replace social security check 
What address? Wendy: Wow.. it must be too early in the morning as I don't know what you are looking for. Can you please explain better? Sorry!

Retirement Age, Working and Social Security 
I Will Be 65 April 23 2011, If I Choose To Get Social Security Benefits, How Much Am I Allowed To Make If I stay At Current Job. Wendy Read the whole …

Working at 63 but wanting to draw social security 
I'd like to draw my social security next year (still working but earning more than the limit). Does it matter what month I file in? Is it better to wait …

Earnings limit when collecting Social Security at age 68 
In other words, is their a limit to the amount that you can earn when collecting Social Security? My Retirement Benefits from Social Security are only …

Social Security: When to sign up? 
I turn 66 in February 2011. In what month should I sign up to receive maximum benefits? Wendy's reply: Check out this Social Security page: How …

Social Security Estimate 
what is an estimate of what i will receive once i am approved? i made 38000. Wendy's Reply: Hi Charles! Nothing with Social Security is that …

Number of social security checks issued? 
On average, how many checks are issued out to people at age 66, compared with at age 62? where can i find such data? thank you. Wendy's reply: …

Retired and Still Working Part-time.. income limits? 
I turned 68 in Jan. How much can I earn extra, without paying ss back? I work part-time. Wendy's Reply: You can earn all that you want.. there is …

Collecting from deceased spouse's social security? 
I am 65 and still working. Can I collect social security from my deceased husband now and then collect from my own social security when i stop working …

EARNINGS at age 62 
I'm 62 in december 2009.. how much can I earn in 2010 with a penalty? Wendy's reply: From age 62 to "full retirement age" (age 65-66), you can …

Social Security question by recently laid off senior 
I was laid off my well paying job 4 months ago. My type of work is now become virtually non-existent due to the decline of oil related businesses. …

Social Security - How many years do they use? 
How is social security based on... I heard it was the last 5 years you work, then i heard it was the best 5 years . can you give me some info please? …

Social Security 
Is a Calender Available for 2009 Benefits Payments? My DOB is Jan 3 1944. Wendy's Reply: Here is the link for when checks are issued - Social …

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