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I am eligible for retirement .. what steps do I need to take..

Q) I am eligible for retirement this coming fall. what steps do I need to take to get the process started

A) According to the Social Security Administration – If you were born between 1943 and 1954 your full retirement age is 66
Remember, the earliest a person can start receiving Social Security retirement benefits will remain age 62.

If you start receiving retirement benefits at:

age 62, you will get 75 percent of the monthly benefit because you will be getting benefits for an additional 48 months.
age 65, you will get 93.3 percent of the monthly benefit because you will be getting benefits for an additional 12 months.
If you start receiving benefits as a spouse at your full retirement age, you will get 50 percent of the monthly benefit your spouse would receive if their benefits started at full retirement age. If you start receiving benefits at

How do you sign up for Social Security?
You can apply for retirement benefits online at
http://www.socialsecurity.gov, or call our toll-free number,
1-800-772-1213 (TTY 1-800-325-0778). Or you can make
an appointment to visit any Social Security office to apply
in person.

Depending on your circumstances, you’ll need some or
all the documents listed below. Don’t delay in applying for
benefits if you don’t have all the information. If you don’t
have a document you need, we can help you get it.
Information and documents you’ll need, include:
• Your Social Security number;
• Your birth certificate;
• Your W-2 forms or self-employment tax return for last
year;
• Your military discharge papers if you had military
service;
• Your spouse’s birth certificate and Social Security
number if they’re applying for benefits;
• Your children’s birth certificates and Social Security
numbers, if you’re applying for children’s benefits;
• Proof of U.S. citizenship or lawful alien status if you (or
a spouse or child applying for benefits) were not born
in the United States; and
• The name of your financial institution, the routing
number, and your account number for direct deposit.
If you don’t have an account at a financial institution,
or prefer getting your benefits on a prepaid debit
card, you can get a Direct Express® card. For more
information, visit http://www.GoDirect.org.

age 62, you will get 35 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 48 months.
age 65, you will get 45.8 percent of the monthly benefit instead of 50 percent because you will be getting benefits for an additional 12 months. https://www.ssa.gov/planners/retire/1943.html

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I have continued to work after drawing full retirement, benefit has not increased.

Q) I have continued to work after drawing full retirement, and have been paying into the system. My benefit has not increased. Why? A) According to the Social Security Administration website; You can work while you receive Social Security retirement (or survivors) benefits. When you do, it could mean a higher benefit for you in the future.… Continue Reading

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