how can i project my social security benefits?
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Benefit Calculators. The best way to start planning for your future is by creating a my Social Security account online. With my Social Security, you can verify your earnings, get your Social Security Statement, and much more – all from the comfort of your home or office.
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Or, for a good ballpark estimate of your future benefits based on your work record so far, you can view your annual Social Security statement by creating an account at www.SSA.gov if you haven't yet done so.
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["You can receive up to 50% of your spouse's Social Security benefit.", 'You can apply for benefits if you have been married for at least one year.', 'If you have been divorced for at least two years, you can apply if the marriage lasted 10 or more years.', 'Starting benefits early may lead to a reduction in payments.']
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You can also get basic benefit estimates by calling the Social Security Administration at 800-772-1213. But remember, no matter where you get the numbers, they are estimates, not promises.
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['Your Social Security benefits will be based on the income you earned during your working years.', 'Only your 35 highest-earning years will be counted.', 'If you take Social Security before full retirement age, your benefits will be permanently reduced.']
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Those who already receive benefits can view their payment history, current status, and manage their benefits. To open a personal my Social Security account, go to www.socialsecurity.gov/myaccount and select “Create an Account” to get started.
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We base Social Security benefits on your lifetime earnings. We adjust or “index” your actual earnings to account for changes in average wages since the year the earnings were received. Then, Social Security calculates your average indexed monthly earnings during the 35 years in which you earned the most.
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You can get your personal Social Security Statement online by using your my Social Security account. ... We also mail paper Statements to workers age 60 and older three months before their birthday if they don't receive Social Security benefits and don't yet have a my Social Security account.
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Social Security benefits are typically computed using "average indexed monthly earnings." This average summarizes up to 35 years of a worker's indexed earnings.
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Check Your Earnings Record The Social Security Administration (SSA) calculates your benefits based on your earnings during the 35 years when you earned the most.
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Four basic categories of Social Security benefits are paid based upon the record of your earnings: retirement, disability, dependents, and survivors benefits. These benefits all fall under the Old Age, Survivors And Disability Insurance Program (OASDI), which is the official name of Social Security.
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Apply for benefits You can apply for many different Social Security benefits at www.socialsecurity.gov/applyonline. Apply for Social Security retirement/spouse's benefits; Apply for Social Security disability benefits (and Supplemental Security Income (SSI) if applying at the same time and you meet other criteria);
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The supplement is computed as if you were age 62 and fully insured for a Social Security benefit when the supplement begins. ... Divide the Social Security benefit estimate by 40 and multiply the result by the number of years you've been employed under FERS, rounded to the nearest full year.
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['Health Insurance. ... ', 'Flexible Spending Accounts. ... ', 'Basic Benefit Plan. ... ', 'Thrift Savings Plan. ... ', 'Social Security. ... ', 'Life Insurance. ... ', 'Employee Assistance Programs. ... ', 'Child and Dependent Care.']
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['Social protection (pensions, tax credits and other benefits)', 'Health.', 'Education.', 'Debt interest.', 'Defence.']
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Your Social Security retirement benefit is based on your earnings record over your career. You need at least 40 credits (10 years of work for most Americans) to qualify for retirement benefits, and the 35 years with your highest earnings count toward your benefit level.
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How Do You Apply? You can apply online by using our Social Security Retirement/Medicare Benefit Application to apply for retirement, spouse's, divorced spouse's or Medicare benefits.