Social Security 2010

SocialSocial$ecurity

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SOCIAL SECURITY ADMINISTRATION

The three major elements of your retirement portfolio are benefits from pensions, savings and investments and Social Security benefits.

To help you plan for retire-ment, each year we send you your personal Social Security statement, which gives you an estimate of the monthly bene-fit amounts you and your fam-ily may qualify for now and in the future. If you’ve received your Social Security statement and have questions about it, visit http://www.socialsecu-rity.gov/mystatement/.

Once you’ve reviewed your statement, you may want to explore a variety of retire-ment scenarios using a range of assumptions about your fu-ture earnings or when you stop working. You can do that with our Retirement Planner. The planner not only tells you how to qualify for Social Security benefits, but it also includes a Retirement Estimator and

Benefit Calculators that help you calculate your own ben-efit estimates.

When Should I Retire?Generally, you should apply

for retirement benefits three months before you want your benefits to begin. If you were born before

1938 and you meet all other requirements, you can re-ceive benefits beginning with the first full month you are age 62. However, if you choose to begin receiving benefits before age 65, your benefits will be reduced to account for the longer period over which you’ll be paid. If you were born after

1937, you also can start your Social Security benefits as early as age 62, but your full retirement age is more than 65.

To find out what your full retirement age is, use our Re-

How should I prepare for retirement?

SEE PREPARE, PAGE 4

1937 or earlier 65 36 $800 20% $375 25% 1938 65 and 2 months 38 $791 20.83% $370 25.83% 1939 65 and 4 months 40 $783 21.67% $366 26.67% 1940 65 and 6 months 42 $775 22.50% $362 27.50% 1941 65 and 8 months 44 $766 23.33% $358 28.33% 1942 65 and 10 months 46 $758 24.17% $354 29.17% 1943-1954 66 48 $750 25% $350 30% 1955 66 and 2 months 50 $741 25.83% $345 30.83% 1956 66 and 4 months 52 $733 26.67% $341 31.67% 1957 66 and 6 months 54 $725 27.50% $337 32.50% 1958 66 and 8 months 56 $716 28.33% $333 33.33% 1959 66 and 10 months 58 $708 29.17% $329 34.17% 1960 and later 67 60 $700 30% $325 35%

1. If you were born on Jan. 1, you should refer to the previous year. 2. If you were born on the first of the month, we figure the benefit as if your birthday was in the previous

month. You must be at least 62 for the entire month to receive benefits. 3. Percentages are approximate due to rounding. 4. The maximum benefit for the spouse is 50 percent of the benefit the worker would receive at full retirement

age. The percentage reduction for the spouse should be applied after the automatic 50 percent reduction. Percentages are approximate due to rounding.

Year of birth 1

At Age 62 ... 2

Full retirement and age 62 benefit by year of birth

Full (normal)retirement age

Months between

age 62 and full retire-ment age

A $1,000 retirement

benefit would be reduced to ...

The retire-ment benefit

is reducedby ... 3

$500 spouse's benefit would

be reduced to ...

The spouse's benefit is reduced by ... 4

SOURCE: SOCIAL SECURITY ADMINISTRATION

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tirement Age Chart.Even if you don’t plan to receive

benefits right away, or decide to wait until after you reach full retirement age, you still should sign-up for Medi-care three months before your 65th birthday.

Choosing the month you start to get benefits is an important decision. If you are not quite ready to retire, but are thinking about doing so in the near future, our Retirement Planner will help you prepare. If you plan to con-tinue working after you reach age 62, it may be to your advantage to start your retirement benefits before you stop working.

How Do I Apply For Retirement Benefits?

You can apply for retirement ben-efits online, but not for Medicare. To apply for retirement benefits, just go to Applying For Social Security Ben-efits and follow the instructions. To apply for Medicare, call or visit your local Social Security office.

Or you can make an appointment for your application to be taken over the telephone or in person at a conve-

nient Social Security office.If you’re deaf or hard of hearing,

call our toll-free TTY number, (800) 325-0778, between 7 a.m. and 7 p.m. Monday through Friday.

If you currently live outside the United States, contact the nearest U.S. Social Security office, U.S. Embassy or consulate, or the Veterans Affairs Regional Office in the Philippines if you want to apply for benefits.

What Documents Must I Provide?

When you apply for benefits, we’ll need the following:l Your Social Security numberl Your birth certificate (If you don’t

have a birth certificate, you can get one from the state where you were born. Go to What will you need when you apply? for more information.)l Your W-2 forms or self-employ-

ment tax return for last yearl Your military discharge papers if

you had military servicel Your spouse’s birth certificate

and Social Security number if he or she is applying for benefitsl Children’s birth certificates and

Social Security numbers, if they’re ap-plying for children’s benefitsl Proof of U.S. citizenship or lawful

alien status if you (or a spouse or child applying for benefits) were not born in the U.S.l The name of your bank and your

account number so your benefits can be directly deposited into your ac-count.

We need original documents or cop-ies certified by the issuing office. You can mail or bring them to a Social Se-curity office. We’ll photocopy and re-turn your documents.

Don’t delay your retirement just because you don’t have all the docu-ments we need — the people in your local office will help you.

What Should I Remember To Do After I Retire?

Remember to tell us whenever there’s any change in your life cir-cumstance that affects your benefits. For example, we should be notified if you:l Movel Marry or divorcel Change your namel Learn your estimated earnings

will changel Change your Direct Deposit ac-

countsl Adopt a childl Are no longer caring for a child

who receives benefitsl Are a non-citizen and your status

changesl Start getting a pension from work

not covered by Social Securityl Get both Social Security and Rail-

road Retirement benefitsl Leave the United States for more

than 30 daysl Become unable to manage your

fundsl Are convicted of a criminal of-

fensel Die.You can find more information about

what to do when any of these changes happen, and answers to most of your retirement questions, in our booklet, “Retirement Benefits,” SSA Publica-tion Number 05-10035.

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Social Security adminiStration

Most people who get SSI and leave the United States for 30 days or more are no longer eligible for SSI.

However, there is a special rule for the children of military personnel.

A child may continue to get SSI ben-efits or apply for benefits while over-seas if the child:l is a citizen of the U.S.; and

l is living with a parent who is a member of the U.S. Armed Forces as-signed to permanent duty ashore any-where outside the United States.

More InformationIf your child is receiving SSI ben-

efits and you receive military orders to move overseas, contact your local Social Security office or call 1–800–

772–1213 before you leave the United States.

You must be able to tell us:l when you expect to report to your

duty station overseas;l when you expect your child to join

you;l your mailing address at your new

duty station; andl any information you have about

military allowances (e.g., housing al-

lowances, rations allowances, etc.) at your new duty station.

Reporting Instructions You should report any change in

income, resources, or address for a parent or child in the household to us within 10 days after the end of the month in which it occurs.

Children of military personnel living overseas may be eligible for Social Security Insurance

M O N D A Y, J A N U A R Y 2 5 , 2 0 1 0 l e w i s t O N t R i b U N e 5


When you qualify for Social Secu-rity retirement benefits, your children may also qualify to receive benefits on your record. Your eligible child can be your biological child, adopted child or stepchild. A dependent grandchild may also qualify.

To receive benefits, the child must:l be unmarried; andl be under age 18; orl be 18-19 years old and a full-time

student (no higher than grade 12); orl be 18 or older and disabled from a

disability that started before age 22.

Normally, benefits stop when chil-dren reach age 18 unless they are disabled. However, if the child is still a full-time student at a secondary (or elementary) school at age 18, benefits will continue until the child graduates or until two months after the child be-comes age 19, whichever is first.

Benefits paid for your child will not decrease your retirement benefit. In fact, the value of the benefits he or she may receive, added to your own, may help you decide if taking your benefits sooner may be more advantageous.

Within your family, each qualified child may receive a monthly payment

up to one-half of your full retirement benefit amount. However, there is a limit to the amount we can pay your family members. The total depends on your benefit amount and the number of family members who also qualify on your record.

The total varies, but generally the total amount your family can receive is about 50 percent to 80 percent of your full retirement benefit.

Note: If you have a divorced spouse who qualifies for benefits, it will not affect the amount of benefits you or your family may receive.

Social Security is for children, too

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Each and every day of the year, Americans in the armed forces serve our nation. At Social Security, we honor our nation’s military personnel and all of America’s veterans not only on Veterans Day, but every day of the year.

In fact, military service members receive expedited processing of their disabil-ity applications from Social Security. Under an agreement initiated by Social Security, the Department of Defense transmits information that allows us to quickly identify military personnel injured in Operations Enduring Free-dom and Iraqi Freedom.

The expedited process is available for any military ser-vice member who becomes disabled during active duty on or after Oct. 1, 2001, re-gardless of where the disabil-ity occurs. Depending on the situation, some family mem-bers of military personnel also may be able to receive benefits, including depen-dent children and spouses.

If you, or someone you know, were wounded while

on active duty in the military, find out more about what Social Security can do for you by visiting our Web site designed specifically for our wounded veterans: www.socialsecurity.gov/wound-edwarriors. There, you will find answers to a number of commonly asked ques-tions, as well as other useful information about disability benefits and Supplemental Security Income. Please pay special attention to the fact sheets available on that Web site, Disability Benefits for Wounded Warriors and Ex-

pediting Disability Applica-tions for Wounded Warriors.

You’ll also find links to useful Veterans Affairs Web

sites. There are links to infor-mation about the “Operation Enduring Freedom / Opera-tion Iraqi Freedom Home,”

information on Survivors Benefits, the Task Force on

Social Security serves those who serve America

COMMENTARY

Jeanne Tyler

SEE TYLER, PAGE 7

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Returning Global War on Terror Heroes, a fact sheet on Veterans ben-efits, and the Veterans On-Line Application, known as VONAPP.

Although the expedited service is relatively new, military personnel have been covered under Social Security since 1957. Even people in the service before 1957 may receive special credit for some of their service. People in the military are cov-ered for the same Social Security survivors, dis-ability and retirement benefits as everyone else.

A person’s Social Se-curity benefit depends on earnings, averaged over a lifetime. Generally, the higher your earnings, the higher your Social Security benefit. Under certain cir-cumstances, special earn-ings can be credited from your military pay record for Social Security purpos-es. The extra earnings are

for periods of active duty or active duty for train-ing. These extra earnings may help you qualify for Social Security or increase the amount of your Social Security benefit and are added to your earnings record when you apply for Social Security benefits.

To learn more about Social Security for people who have served in the military, read a copy of our publication, Military Service and Social Secu-rity. You can find it online at www.socialsecurity.gov/pubs/10017.html, or call us at (800) 772-1213 (TTY (800)325-0778) to ask us to mail a free copy to you.

Each and every day, the brave men and women of our nation’s armed forces serve us. Social Security salutes everyone who serves.

Help For The Homeless

Social Security adminis-ters several programs that pay benefits to qualified individuals, including those who are homeless.

These programs include retirement, disability and survivors insurance, as well as Supplemental Security Income, which is a needs-based program for people who are blind, disabled or age 65 or older. If you know someone who is homeless, and you want to learn more about how Social Security might help, a place to get information is at www.socialsecurity.gov/homelessness.

For example, there is a link to our Benefit Eligi-bility Screening Tool, or BEST. Based on answers to various questions, this tool helps determine the benefits someone might be eligible for and gives information about how to qualify and apply. Go directly to BEST at www.socialsecurity.gov/best.

The Spotlight on Homelessness is a page designed to help the homeless apply for SSI. It’s available at www.socialsecurity.gov/ssi/spot-lights/spot-homeless.htm.

There are links to in-formation on health care for the homeless, institu-tionalization, advocacy

groups, reports on home-less outreach, and even links to other Web sites like the U.S. Interagency Council on Homelessness, disabilityinfo.gov, gov-benefits.gov, and HUD.

You can help us help the homeless. If you know someone who is homeless, take a look at our Service to the Homeless Web site and look through the information. Tell anyone you know who is homeless or threatened with home-lessness to use the Ben-efit Eligibility Screening Tool, to visit our Service to the Homeless page, and to check out the differ-ent types of benefits and assistance they may be eligible to receive. Spread the word about the help available to the homeless.

Every American should have a place to call home. Visit www.socialsecurity.gov/home-lessness to learn more.

Tyler is a public affairs specialist with the Social Security Administration based in Boise. She may be contacted at [email protected].

TYLERFrom page 6


Question: What is a So-cial Security statement?

Answer: Your Social Security statement is a concise, easy-to-read personal record of the earnings on which you have paid Social Security taxes during your working years and a summary of the estimated benefits you and your family may receive as a result of those earnings.

We provide the statements in two ways: in automatic annual mailings to workers and former workers aged 25 and older and at any time to work-ers of any age who request them.

We hope you will keep your state-ment with your other important papers and use it in several ways:l The benefit estimates in your

Statement can play an important role in your financial planning. When combined with your sav-ings, investments and other pen-sions, your Social Security benefits can help you build a secure future for yourself and your family.l The statement can help you

make sure your reported earn-ings and other important informa-

W hat about my statement?

See STATEMENT, Page 8

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tion such as your name and date of birth are correct on your record. Mistakes could keep you from getting all the Social Security ben-efits you have earned. The sooner you identify mistakes, the easier it

will be to help us correct them.l And finally, the general informa-

tion on the statement tells you about all the protection you are earning under Social Security. Many people think of Social Security only as a retirement program. The statement shows how even young workers are building valuable protection in case they become disabled or die before they reach retirement age.

STATEMENTFrom page 7

SSA Publication No. 05-10127, July 2009, ICN 480067


Our Web site is a valuable resource for information about all of Social Se-curity’s programs. There are a num-ber of things you can do online.

In addition to using our Web site, you can call us toll-free at (800) 772-1213. We treat all calls confidentially. We can answer specific questions from 7 a.m. to 7 p.m., Monday through Friday. We can provide information by automated phone service 24 hours a day. (You can use our automated re-sponse system to tell us a new address or request a replacement Medicare card.) If you are deaf or hard of hear-ing, you may call our TTY number, (800) 325-0778.

We also want to make sure you re-ceive accurate and courteous service. That is why we have a second Social Security representative monitor some telephone calls.

What Social Security Means To You

Social Security plays an important role in providing economic security

for women. Nearly 60 percent of the people receiving Social Security ben-efits are women. In the 21st century, more women work, pay Social Security taxes and earn credit toward monthly retirement income than at any other time in our nation’s history.

Today, women have challenging choices to make. Some may spend their entire adulthood in a career or job outside the home. Some may work for a few years, leave the labor force to raise children and eventually return to work. And some may choose not to work outside of the home. Whether they work, have worked or have never worked, it is essential that women un-derstand how Social Security can help them and their families.

Women tend to care for many peo-ple — spouses, children and parents. And although they have made signifi-cant strides, women are more likely to earn less over their lifetimes than men. They are less often covered by private retirement plans and more de-pendent on Social Security — and for a longer period of time since, on aver-age, women live about five years lon-ger than men.

Social Security offers a basic level of protection to all women covered by this program. When women work, they pay taxes into the Social Secu-

rity system, providing for their own benefits. In addition, their husbands’ earnings can give them Social Secu-rity coverage as well. Women who do not work are often covered through their husbands’ work and can receive benefits when they retire, become dis-abled or die.

Over the years, the level of Social Security protection for women has been strengthened. For example, the amount of benefits for a surviving spouse was raised and benefits for disabled spouses also increased. Eco-

nomic protection for divorced women improved with the removal of the requirement that the divorced wife must be dependent on her husband. Also, the number of years the couple must be married in order for the di-vorced spouse to qualify for benefits decreased.

Besides understanding the benefits to which they may be entitled, wom-en also need to be aware of other as-pects of the Social Security program. They need to know about providing Social Security coverage for anyone they may hire as a household worker or childcare provider. And they need to know some basics like what to do if they change their names.

While Social Security is a vital pro-gram, especially for women, it was never intended to cover all of their fi-nancial needs. To live comfortably, ev-eryone needs to plan accordingly. Liv-ing within one’s means and saving for the future are big parts of that plan.

Your Social Security Record And Number

Each year your employer sends a copy of your W-2 (Wage and Tax State-ment) to Social Security. We compare your name and Social Security num-ber on the W-2 with the information in our files. We add the earnings shown on the W-2 to your Social Security re-cord.

It is critical your name and Social

What every woman should know about Social Security

See WOMAN, Page 9

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Security number on your Social Security card agree with your employer’s payroll records and W-2 so that we can credit your earnings to your record. It is up to you to make sure that both Social Security’s records and your employer’s records are cor-rect. If your Social Security card is incorrect, contact any Social Security office to make changes. Check your W-2 form to make sure your employer’s record is correct and, if it is not, give your employer the accurate information.

If you are a worker age 25 or older and not receiving benefits, you receive a Social Security Statement every year that can be a valuable tool to help you plan a secure financial future. It provides you with a record of your earnings and gives estimates of what your Social Security benefits would be at different retirement ages. It also gives an estimate of the disability benefits you could receive if you become severely disabled

before retirement, as well as estimates of the survivors benefits Social Security would provide your spouse and eligi-ble family members when you die. Review this Statement to make sure that all of your earnings are included. If your Statement does not include all of your earnings, let your employer and your Social Se-curity office know about any incorrect information.

If You Change Your Name

Whenever you change your name, be sure to report the change to Social Security. Otherwise, your earnings may not be recorded properly and you may not receive all the Social Security you are due. Not changing your name with Social Security also can delay your income tax refund.

To report a name change, fill out an Application for a Social Security Card (Form SS-5). You can get the form by visiting www.socialsecurity.gov on the Internet or any So-cial Security office or by call-ing Social Security’s toll-free number, (800) 772-1213.

You must show us a recent-

ly issued document as proof of your legal name change.

Social Security may accept to prove a legal name change include:l Marriage document;l Divorce decree;l Certificate of Naturaliza-

tion showing a new name; orl Court order for a name

change.If the document you provide

for a legal name change does not give enough information to identify you or if you legal-ly changed your name more than two years ago, then you also must show us two identity documents including:l One document in your old

name; andl A second document with

your new legal name.In addition to your name,

these documents also must contain identifying informa-tion or a recent photograph.

If you are a U.S. citizen born outside the United States and our records do not show you are a citizen, you will need to provide proof of your U.S. citi-zenship. If you are not a U.S. citizen, Social Security will ask to see your current immi-gration documents.

The new card will have the same number as your previ-

ous card, but will show your new name.

If You Are A Victim Of Family Violence

People in all walks of life can be victims of family vio-lence or harassment, abuse or life-endangering situations. If you are a victim of family vio-lence, Social Security may be able to help you.

Public awareness cam-paigns stress how important it is for victims to develop safety plans that include gathering personal papers and choos-ing a safe place to go. Some-times the best way to evade an abuser and reduce the risk of further violence may be to relocate and establish a new identity. Following these changes, it also may be help-ful to get a new Social Secu-rity number.

Although Social Security does not routinely assign new numbers, we will do so when evidence shows you are being harassed or abused or your life is endangered.

Applying for a new number is a big decision. It may affect your ability to interact with federal and state agencies,

employers and others. This is because your financial, medi-cal, employment and other records will be under your former Social Security num-ber and name (if you change your name). If you expect to change your name, we recom-mend you do so before apply-ing for a new number.

For more information, ask for New Numbers For Domes-tic Violence Victims (Publica-tion No. 05-10093).

What Your Social Security Taxes Pay For

When you work and pay So-cial Security taxes, you earn Social Security credits. Cred-its can count toward your retirement benefits and can qualify you and your family for disability and survivors insurance coverage. In ad-dition, when you pay Medi-care taxes, you are earning Medicare protection that can be available to you when you reach age 65 or sooner if you become disabled.

Social Security’s benefit package includes:l Retirement benefits paid

WOMANFrom page 8

See WOMAN, Page 10

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each month to retired workers as early as age 62. Disability benefits paid

each month to workers of all ages who have a severe dis-ability. In some cases, a young worker may qualify for a dis-ability benefit with as little as one and one-half years of work. Family benefits paid each

month to the spouse and chil-dren of retired or disabled workers. Survivors benefits paid

each month to the widow or widower and children of a de-ceased worker. In some cases, the family of a young deceased worker can receive these ben-efits even if the worker had as few as one and one-half years of work. Medicare, which helps

with hospital bills and pro-vides limited coverage for skilled nursing facility stays and hospice care. It also can cover doctors’ services and prescription drugs.

Some Special Employment Situations

Self-employedMost people who pay into

Social Security work for an employer. Their employer deducts Social Security taxes from their paycheck. The em-ployer matches that contribu-tion, sends taxes to the Inter-nal Revenue Service (IRS) and reports wages to Social Security. But self-employed people must report their earnings and pay their taxes directly to IRS.

You are self-employed if you operate a trade, business or profession, either by your-self or as a partner. You report your earnings for Social Secu-rity when you file your federal income tax return. If your net earnings are $400 or more in a year, you must report your earnings on Schedule SE, in addition to the other tax forms you must file.

If you and your husband operate a business together, you are entitled to receive So-cial Security credits as a part-ner. Be sure to file a separate Schedule SE, even though you and your husband file a joint income tax return. If you do not file a separate self-em-

ployment report, you will not get Social Security benefits from your own work, because all of the earnings will be re-ported on your husband’s re-cord.

Household workersSome household work-

ers are covered under Social Security depending on how much they earn. Household workers include babysit-ters, maids, cooks, laundry workers, butlers, gardeners, chauffeurs and people who do housecleaning or repair work. Household workers who are under age 18 during any part of the year and who do not do household work as a principal job are not covered under So-cial Security.

If you hire household work-ers, make sure you accurately record their Social Security numbers, withhold Social Se-curity taxes from their wages, pay an equal amount and send the combined taxes to IRS us-ing your own federal income tax return.

If you are a household worker, make sure your em-ployer is paying Social Secu-rity taxes for you. You should receive a form W-2 from your employer by January 31 of the year following the year you

did the work. For more infor-mation, ask for Household Workers (Publication No. 05-10021).

Military serviceIf you have served in the

military on active duty or on inactive duty for training since 1957, you paid into Social Se-curity. Inactive duty service in the Armed Forces Reserves and National Guard weekend drills have been covered by Social Security since 1988. If you served in the military before 1957, you did not pay into Social Security directly, but your records may be cred-ited with special earnings for Social Security purposes that count toward any benefits you may receive.

When you apply for Social Security, the credits you re-ceive for military service are added to your civilian work credits. The number of credits you have determines whether you qualify for Social Secu-rity.

You may be eligible for both Social Security benefits and military retirement. Gener-ally, there is no reduction of Social Security benefits be-cause of your military retire-ment. You will get your full Social Security benefits based

on your earnings. Social Security survivors

benefits may affect benefits payable under the optional Department of Defense Survi-vors Benefit Plan. You should check with the Department of Defense or your military retirement advisor for more information.

When you retireMost people need 10 years

of work (40 credits) to quali-fy for benefits. Your benefit amount is based on your earn-ings averaged over most of your working career. Higher lifetime earnings result in higher benefits. If you have some years of no earnings or low earnings, your benefit amount may be lower than if you had worked steadily.

Your benefit also is affected by your age at the time you start receiving benefits. If you start your retirement benefits at age 62 (the earliest possible retirement age), your benefit will be lower than if you wait until your full retirement age.

If you choose to work while receiving Social Security ben-efits before you reach full re-tirement age, your benefits will be reduced by $1 for ev-

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ery $2 you earn over the annual limit (which increases each year). In the year you reach full retirement age, your benefits will be reduced by $1 for every $3 you earn over the limit in the months before your birthday. But once you reach full retirement age, you will get your full retirement benefits no matter how much you work and earn.

As you continue working, we will review your earnings each year and recalculate your benefit amount. Usu-ally, your additional earnings will increase your benefit amount. If the amount increases, we will notify you and readjust your benefit payments.

If you are eligible for benefits on more than one work record, such as your own and your husband’s, you generally receive the higher benefit amount. When you apply for benefits, the Social Security representative can determine which record will give you the higher benefit.

If you are eligible for a spouse’s or ex-spouse’s benefit and your own re-tirement benefit, you should file for both. (The same rule applies to your husband or ex-husband.) If your hus-band works past full retirement age and does not collect Social Security benefits, you can still retire and get benefits based on your own work. Then, when he does retire, you can receive benefits on his record if they would be higher.

Another option comes into play if your spouse is full retirement age — especially if he plans to continue working. He can apply for retirement benefits and request to have the pay-ments suspended. Then, you can re-ceive spouse’s benefits and he can continue to earn delayed retirement credits until age 70.

If your husband or ex-husband is deceased, you can choose which ben-efit to apply for now or choose to post-pone filing for either benefit until you reach full retirement age.

If you have reached your full re-tirement age, and are eligible for a spouse’s or ex-spouse’s benefit and your own retirement benefit, you may choose to receive only spouse’s ben-efits and continue accruing delayed retirement credits on your own Social Security record.

Or, if you are full retirement age, you have the option of applying for re-tirement benefits and requesting that the payments be suspended. That way, your spouse can receive spouse’s ben-efits and you will continue to earn de-layed retirement credits until age 70.

You may then file for benefits at a later date and receive a higher month-ly benefit based on the effect of de-layed retirement credits.

For more information on retirement, visit www.socialsecurity.gov/planners

or ask for Retirement Benefits (Publi-cation No. 05-10035).

You will have Medicare coverage in addition to Social Security benefits if you are eligible for benefits either on your own record or your husband’s re-cord. You will have Medicare hospital insurance (Part A) protection at age 65 and you will have the opportunity to buy Medicare medical insurance (Part B) for a monthly premium. You can also enroll in a Medicare Advan-tage Plan (Part C) and a Medicare prescription drug plan (Part D). If you are not eligible for benefits and you do not have enough credits, you can pay a monthly premium to buy Medi-care coverage. For more information, ask for Medicare (Publication No. 05-10043).

If You Become DisabledIf you become disabled, you may

be able to get disability benefits if you have worked long enough and recent-ly enough under Social Security. The amount of work you need increases with age. You need credit for one and one-half years of work out of the past three years if you become disabled before age 24 and up to five out of the last 10 years if you become disabled at age 31 or older. Some women lose their disability coverage when they move in and out of the workforce and do not meet the recent work requirement. If you need help figuring out how much work you need to maintain your dis-ability coverage, call your local Social Security office.

You will be considered disabled if you cannot do work that you did be-fore and we decide that you cannot adjust to other work because of your medical condition(s). Your disability also must last, or be expected to last, for at least a year or to result in death. After you receive disability payments for 24 consecutive months, you also will have Medicare protection.

Military service members can re-ceive expedited processing of disabili-ty claims from Social Security. Benefits available through Social Security are different than those from the Depart-ment of Veterans Affairs and require

a separate application. The expedited process is used for military service members who became disabled while on active military service on or after Oct. 1, 2001, regardless of where the disability occurs.

For more information on disabil-ity programs, visit www.socialsecu-rity.gov/disability or ask for Disability Benefits (Publication No. 05-10029).

For more information on disability benefits for wounded warriors, visit www.socialsecurity.gov/wounded-warriors or ask for Disability Benefits For Wounded Warriors (Publication No. 05-10030).

When You Are Ready To Apply

Online servicesYou can apply for Social Security

retirement, disability or spouse’s benefits, or any combination of those benefits online. You will complete and sign the application electronically. We will let you know which benefits you are entitled to after we receive your application.

Direct depositSocial Security benefits are gen-

erally paid by direct deposit. Direct deposit is a simple, safe and secure way to receive your benefits. Be sure to have your checkbook or account statement with you when you apply. We will need that information to make

sure your monthly benefit is correctly deposited into your account.

Benefits For Your FamilyWhen you start receiving Social

Security retirement or disability ben-efits, other family members also may be eligible for payments. For example, benefits can be paid to your husband:l If he is age 62 or older; orl At any age if he is caring for your

child (the child must be younger than 16 or disabled and receiving Social Se-curity benefits on your record).

Benefits also can be paid to your unmarried children if they are:l Younger than 18;l Between 18 and 19 years old, but

in elementary or secondary school as full-time students; orl Age 18 or older and severely dis-

abled (the disability must have started before age 22).

If You Should DieIf you should die, your family may

be eligible for benefits based on your work.

Family members who can collect benefits include a widower who is:l 60 or older; orl 50 or older and disabled; orl Any age if he is caring for your

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child who is younger than 16 or disabled and receiving So-cial Security benefits.

Additionally, your parents can receive benefits on your earnings if they were depen-dent on you for at least half of their support.

If you had enough credits, a one-time payment of $255 also will be made after your death. This benefit may be paid to your spouse or minor children if they meet certain require-ments.

For more information, go to Survivors Benefits (Publica-tion No. 05-10084).

If You Have Income From A Government Pension

If you worked at a job where you did not pay Social Securi-ty taxes, two laws may affect your Social Security benefits. The Windfall Elimina-

tion Provision affects the way your Social Security retire-

ment or disability benefits are figured. It applies to you only if you receive Social Security benefits based on your own earnings and you are receiv-ing the other pension. Government Pension Off-

set affects only the Social Se-curity benefits you could re-ceive based on your husband’s earnings.

For more information about the Windfall Elimination Pro-vision, the Government Pen-sion Offset and WEP and GPO online calculators visit www.socialsecurity.gov/gpo-wep. Benefit calculators are also available at www.socialsecu-rity.gov/planners/calculators. You also can ask for Windfall Elimination Provision (Publi-cation No. 05-10045) and Gov-ernment Pension Offset (Pub-lication No. 05-10007).

If You Have Not Worked Or Do Not Have Enough Social Security Credits

If you have not worked or do not have enough Social Security credits and you are married, you may be eligible for Social Security benefits

as a result of your husband’s work. You and your chil-dren (younger than age 18 or younger than age 19 if still in secondary school or disabled before age 22) have Social Security protection through your husband’s work. When he retires, or if he becomes disabled, you could be eligible for benefits as early as age 62. If you are caring for your child who is younger than age 16 or disabled and entitled to benefits, you could receive benefits at any age.

If you choose to begin re-ceiving wife’s benefits before you reach full retirement age, your benefit amount will be reduced and will not be in-creased once you reach full retirement age. If you wait until you reach full retire-ment age, you will receive the maximum benefit, which is up to half of the amount your husband is entitled to receive at his full retirement age.

You and your husband will be eligible for Medicare at age 65

NOTE: If your husband is full retirement age, he can apply for retirement benefits and then request to have pay-ments suspended. That way, you can receive a spouse’s

benefits and he can continue to earn delayed retirement credits until age 70.

If You Are WidowIf your husband dies, you

can get widow’s benefits if you are age 60 or older. If you are disabled, you can get widow’s benefits as early as age 50. Your benefit amount will depend on your age and on the amount your deceased husband was entitled to when he died. If he was receiving reduced benefits, your survi-vor benefit will be based on that amount.

If you are a widow with children, you may be eligible for a widow’s benefit at any age when you are caring for a child who is younger than 16 or disabled and entitled to benefits. As a widow, you also may be eligible for Medicare at age 65.

If you remarry before you reach age 60 (or age 50 if dis-abled), you cannot receive widow’s benefits as long as that marriage remains in ef-fect. If you remarry after you reach age 60 (or age 50 if disabled), you will continue to receive benefits on your

deceased husband’s Social Security record. However, if your current husband is a So-cial Security beneficiary, you should apply for a wife’s ben-efit on his record if it would be larger than your widow’s ben-efit. You cannot get both.

If you are also entitled to retirement benefits based on your own work, you have some other options. Ask a So-cial Security representative to explain the options, so you can decide which would be best for you.

If You Are DivorcedIf you have never asked

Social Security about receiv-ing benefits based on your ex-husband’s work, you should do so. Many women get a higher benefit based on their ex-husband’s work, especially if he is deceased. When you apply, you will need to give his Social Security number. If you do not know his number, you will need to provide his date and place of birth and his par-ents’ names.

The following requirements also apply to your divorced husband if his eligibility for

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benefits is based on your work.l If your ex-husband is living.If you are divorced, you can receive

benefits based on your ex-husband’s work ifl Your marriage lasted 10 years or

longer;l You are unmarried;l You are age 62 or older;l The benefit you are entitled to re-

ceive based on your own work is less than the benefits you would receive on your husband’s work; andl Your ex-husband is entitled to So-

cial Security retirement or disability benefits.

If he has not applied for benefits, but can qualify for them and is age 62 or older, you can receive benefits on his work if you have been divorced from him for at least two years.

If your ex-husband is deceased, you can receive benefitsl At age 60, or age 50 if you are dis-

abled, if your marriage lasted at least 10 years, and you are not entitled to a higher benefit on your own record.l At any age if you are caring for

his child who also is your natural or le-gally adopted child and younger than 16 or disabled and entitled to benefits.

Your benefits will continue until the child reaches age 16 or is no longer disabled. You can receive this benefit even though you were not married to your ex-husband for 10 years.

If You Have Limited IncomeIf you are age 65 or older, or blind

or disabled, and your income and the value of your resources is limited, you may be eligible to receive monthly payments under the Supplemental Se-curity Income program. Generally, to receive SSI you must be living in the United States or the Northern Mari-ana Islands and be a U.S. citizen. Cer-tain noncitizens also may be eligible to receive SSI. To learn more about SSI,

ask for Supplemental Security Income (Publication No. 05-11000).

If you have a limited income and few resources, your state can decide whether you qualify for help with Medicare expenses under the Medi-care Savings Programs. If you think you may qualify, contact your state or local medical assistance (Medicaid) agency, social services program or welfare office. Also, more informa-tion is available from the Centers for Medicare & Medicaid Services. Ask for If you need help paying Medicare costs, there are programs that can help you save money (Publication No. CMS 10126) by calling the Medi-care toll-free number, (800) MEDI-CARE (800-633-4227). If you are deaf or hard of hearing, you may call TTY (877) 486-2048.

You also may be able to get extra help paying for the Medicare prescrip-tion drug program. Anyone who has Medicare can get Medicare prescrip-tion drug coverage. (Read more about Medicare on Page 20.) Extra help is available for some people with limited income and resources and will pay for all or most of the monthly premiums, annual deductibles and prescription co-payments related to their plan. Many people with limited income and resources qualify for these big savings and do not even know it.

To find out if you are eligible, So-cial Security will need to know your income and the value of your savings, investments and real estate (other than your home). If you are married and living with your spouse, we will need this information for both of you.

Even if you do not qualify for the extra help, you may be able to help someone you care about apply for ex-tra help with their Medicare prescrip-tion drug costs. For more information, ask for Getting Help With Medicare Prescription Drug Plan Costs, Income And Resource Limits (Publication No. 05-10115).

If You Are A CaregiverIf you are caring for an elderly or

disabled relative who needs help man-

aging their monthly Social Security or SSI benefits, you can apply to be representative payee. Social Security will conduct a careful investigation to determine if you meet the require-ments.

As a representative payee, we will pay you the person’s benefits to use on his or her behalf. Therefore, you must know what your relative’s needs are so you can decide how benefits can best be used for his or her personal care and well-being. First, you must make sure that food and shelter are provided. Then, you can use the mon-ey to pay medical and dental bills not covered by health insurance and for personal needs and recreation.

For more information about the rep-resentative payee program, visit www.socialsecurity.gov/payee. You also can ask for A Guide For Representative Payees (Publication No. 05-10076). If you are caring for a child with dis-abilities, ask for Benefits For Children With Disabilities (Publication No. 05-10026).

Protection Of Personal Information

Social Security keeps personal and confidential information — names, Social Security numbers, earnings re-cords, ages and beneficiary addresses — for millions of people. Generally, we will discuss your information only with you. When you call or visit us, we will ask you several questions to help us verify your identity.

If you want someone else to help with your Social Security business, we need your permission to discuss your information with that person.

You should treat your Social Securi-ty number as confidential information and avoid giving it out unnecessarily. You should keep your Social Security card in a safe place with your other important papers. Do not carry it with you unless you need to show it to an employer or service provider.

For more information specifically geared toward women, visit www.so-cialsecurity.gov/women.

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A secure, comfortable retire-ment is every worker’s dream. And now because we’re living longer, healthier lives, we can expect to spend more time in retirement than our parents and grandparents did. Achieving the dream of a secure, comfortable retirement is much easier when you plan your finances.

How the Social Security Retirement Planner Can Help You Now

This planner provides detailed information about your Social Security retirement benefits un-der current law and points out things you may want to consider as you prepare for the future.

Reminder: You need to sign up for Medicare close to your 65th birth-day, even if you will not be retired by that time. (If you are getting Social Security benefits when you turn 65, your Medicare Hospital Benefits start automatically.)

Q. Are my benefits figured on

my last five years of earnings?A. No. Retirement benefit calcu-

lations are based on your average earnings during a lifetime of work under the Social Security system. For most current and future retir-ees, we will average your 35 highest years of earnings. Years in which

you have low earnings or no earn-ings may be counted to bring the total years of earnings up to 35.

Q. I stopped work at the end of last year at age 52. I don’t ex-pect to work again before I start my Social Security benefits when

I turn 62. Will I still get the same benefit amount you showed for age 62 on the Social Security State-ment that you recently sent me?

A. Probably not. When we averaged out your 35 highest years of earnings to estimate your benefits on your Statement, we assumed you would continue to work up to age 62, making the same earnings you made last year. If, instead, you have $0 earnings each year over the next 10 years, your av-erage earnings will probably be less and so will your benefit. You can use our Retirement Estimator or Ben-efit Calculators to see how this will affect your monthly benefit amount.

Q. Will my retirement pension from my job reduce the amount of my Social Security benefit?

A. If your pension is from work where you also paid Social Security taxes, it will not affect your Social Security benefit. However, pensions based on work that is not covered by Social Security (for example, the federal civil service and some state, local, or foreign government systems) probably will reduce the amount

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of your Social Security benefit.

Q. My wife and I both worked under Social Security. Her Social Security Statement says she can get $850 a month at full retire-ment age and mine says I would get $1450. Do we each get our own amount? Someone told me we could only get my amount, plus one-half of that amount for my wife.

A. Since your wife’s own benefit is more than one-half of your amount, you will each get your own benefit. If your wife’s own benefit were less than half of yours (that is, less than $725), she would receive her amount plus enough on your record to bring it up to the $725 amount.

Q. If I work after I start receiving Social Security retirement benefits, will I still need to pay Social Security and Medicare taxes on my earnings?

A. Yes. Any time you work in a job

that is covered by Social Security — even if you are already receiving Social Security benefits — you and your employer must pay the Social Security and Medicare taxes on your earnings. The same is true if you are self-employed. You are still subject to the Social Security and Medicare taxes on your net profit.

Q. I have Medicare, but I didn’t apply for retirement benefits be-cause I’m under full retirement age and still working. How do I decide when to start receiv-ing retirement benefits?

A. Deciding when to start receiving benefits is an important decision that needs to be made carefully. You can read our “Retirement In-

formation For Medicare Ben-eficiaries” fact sheet, use our Retirement Estimator to

see how different retirement dates will affect your benefit amount and find other information

you can use to help you decide when to start your benefits in the “Near Retirement” section of the Retirement Planner.

RETIREMENTFrom page 15


Apply For BenefitsYou can: Apply for Social Security retire-

ment or spouse’s benefits.(Note: You cannot use this online

application if you only want to apply for Medicare.) Apply for Social Security disabil-

ity benefits (includes the Adult Dis-ability Report). Begin or continue the Adult Dis-

ability and Work History Report. When you apply for any type of dis-ability benefits, we need information about your medical, work, and educa-tion history to help us decide if you are disabled. Apply for extra help with your

Medicare prescription drug costs. Check your application status. If

you applied for Social Security Retire-ment, Spouse’s, or Disability benefits you can check the status of your appli-cation online. Appeal our recent medical deci-

sion about your disability claim or continue the appeal you already start-ed.

(If you are a professional, repre-

sentative or organization assisting an adult who is applying for disability benefits, you can use our Adult Dis-ability and Work History Report.)

Do You Qualify For Benefits?You can: Find out what benefits you can

apply for Use our screening tool to help

identify all the different Social Secu-rity programs for which you may be eligible. Find out if you can get extra help

with your Medicare prescription drug costs.

Estimate Your Future BenefitsYou can: Use our Retirement Estimator

for a retirement estimate based on real time access to your earnings re-cord. (The secure log-in requires your name, Social Security number, date & place of birth and mother’s maiden name.) Find your full retirement age. Use our benefit planners to cal-

culate your retirement, disability and

survivors benefits. Request a Social Security State-

ment Block online and automated tele-

phone access to your personal infor-mation.

If You Get BenefitsYou can: Change your address or telephone

number. Get a replacement Medicare

Card. Request a Proof of Income letter. Get a letter that verifies your So-

cial Security benefit information. (In-cludes Medicare and SSI.)

Get a Form 1099/1042S — Social Security Benefit Statement. (Avail-able February 1, 2010) Replace the lost, damaged, or

missing tax summary of your Social Security benefits for 2009. (Not avail-able for SSI). Choose your password. If you received a password re-

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What can you do at the Social Security Web site?

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l You want password access to in-formation about your benefits.l You lost, forgot, or do not have

your password or password request code.l Your password request code has

expired.l Block electronic and automated

telephone access to your personal in-formation.

If You Have A PasswordYou can:l Check your information and ben-

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we have on file for you.l Change your address or telephone

number.l Start or change direct deposit.l Change your password or block

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WEB SITEFrom page 16

Financial Planning is not just for people nearing retirement. In fact, it’s a good idea to begin plan-ning for a comfortable and secure retirement when you’re young.

That’s why last fall Social Secu-rity implemented a new financial planning tool especially for the 25 to 35 crowd. It’s a special mailer with information about Social Security, savings, and other items of interest to young workers. Ev-eryone between 25 and 35 who works and pays Social Security taxes, gets this automatically with each Social Security Statement.

Social Security is the foundation for a secure retirement, but was nev-er intended to be your only source of income when you retire. While Social Security replaces about 40 percent of the average worker’s pre-retirement earnings, most financial advisors say that you will need 70 percent or more of pre-retirement earnings to live comfortably. Even with a pension, you will still need to save. If you will

not have a private pension, you will need to save more — and start saving sooner. Today’s young workers can expect to spend 20, 30 or even more years in retirement, so saving is critical.

Want to start planning your future? There are some easy ways to do so. Take a look at your Social Security statement, which you’ll receive in the mail about two to three months

before your birthday, as well as the helpful two-page insert tailored specifically to workers ages 25 to 35.

Pay close attention to the infor-mation provided, including tips

on saving, getting your employer to help with matching contribu-tions to retirement plans, and how much of a difference begin-ning to save early can make.

There’s even a graph showing the significant difference sav-ing over time can make, even if it’s just $25 or $50 a week.

The insert also includes helpful links to outside Web sites that can help you. For example, you can go to www.mymoney.gov for information on getting credit, paying for education, buying a home, creating a budget, starting a business as well as finan-cial calculators and planning tools. Or, visit www.federalreserve.gov for a worksheet that will help you establish a budget to meet your financial goals. These and other financial links on the insert will help you become the master of your own financial future.

Don’t forget that Social Security coverage is not just for retirement, but also for disability and survivors benefits in the event that you are unable to work, or you leave behind a family that depends on your income when you die. Read more about retirement, disability and survivors benefits at www.socialsecurity.gov.

Tools To Help You Decide When To Retire

These days, everyone is taking a new look at his finances — and no one is looking more closely than the millions of baby boomers who are nearing retirement age. While some boomers expected to retire at one of the traditional milestones, such as age 62, the current economy is forcing many of them to re-evalu-ate their plans. Many are wondering if they should work longer, or how their Social Security benefit — or their spouse’s benefit — would be affected if they continued working.

To help them find answers, So-cial Security has published a fact sheet called When To Start Receiv-ing Retirement Benefits. You can read it online at www.socialse-curity.gov/pubs/10147.html.

As most workers know, your choice of a retirement age — from 62 to 70 — can dramatically affect your monthly Social Security benefit amount.

If you choose to start receiving benefits early, the monthly payments will be reduced based on the number

SSA offers financial planning tips for Gen X

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of months you receive benefits before you reach your full retire-ment age. The rate of reduction will depend on the year you were born. The maximum reduction at age 62 will be: 25 percent for people born between 1947 and 1958, and 30 percent for people born after 1959.

If you wait until your full retire-ment age, your benefits will not be reduced. And if you should choose to delay retirement, your benefit will increase up to eight percent a year from your full retirement age until age 70. However, there is no additional benefit increase after you reach age 70, even if you con-tinue to delay taking benefits.

Social Security also has created several retirement planners to help you make an informed decision. So-cial Security has an online calculator that can provide immediate retire-ment benefit estimates to help you plan for your retirement. The online Retirement Estimator uses informa-tion from your own earnings record, and lets you create “what if” sce-narios. You can, for example, change your “stop work” date or expected future earnings to create and com-pare different retirement options.

To use the Retirement Es-timator, visit www.socialse-curity.gov/estimator.

Read When To Start Receiving Retirement Benefits at www.so-cialsecurity.gov/pubs/10147.html.

And for general informa-tion about Social Security, visit www.socialsecurity.gov.

Retirement decisions are unique to everyone. Make sure you are up to date with the important in-formation you will need to make the choice that’s right for you.

Lesson Plans And Retirement Plans

If you’re a teacher, chances are you know the lessons you’re go-ing to teach like the back of your hand, inside and out. That’s be-cause you took some time and prepared ahead with lesson plans.

But how much time have you devoted to your retirement plan?

Whether you’re 30 years in, or in your freshman year as a teach-

er, it’s important to spend time learning your retirement plan.

You may be a teacher or other government employee covered by state or local government retire-ment plans instead of Social Security. And, even if you do work at a second job and pay into Social Security, your benefits would most likely be affected by your other retire-ment plan. So take a lesson from us and learn about two important provisions that may affect you: the Government Pension Offset and the Windfall Elimination Provision.

Who is affected by GPO and WEP?Government employees who didn’t

pay Social Security taxes on their government earnings are affected. The Government Pension Offset reduces the potential Social Security spouse’s/widow’s/widower’s ben-efit amount someone could receive if he or she also receives a pen-sion from a federal, state or local government for work on which no Social Security taxes were paid. The Windfall Elimination Provision can reduce a worker’s monthly Social Security benefit amount, if he or she also receives a pension from work not covered by Social Security.

What is the purpose of these provisions?

GPO and WEP are designed to ensure that all American workers

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are treated equally under the Social Security program. GPO generally requires that Social Security spouses’ or surviving spouses’ benefits be reduced by two-thirds of the entitled person’s government pension. Why? Because GPO removes an advan-tage that some government workers once had. Before GPO, a person who worked in a government job that was not covered under Social Security could receive, in addition to a govern-ment pension (based on his or her own earnings), a full Social Security spouse’s or surviving spouse’s ben-efit. No other workers had this option because Social Security benefits payable to a person as a spouse or surviving spouse must be offset, dol-lar for dollar, by the amount of that person’s own Social Security benefit.

Similarly, WEP takes away an advantage that the regular Social Security benefit “formula” would give people who have substantial pensions from non-Social Security covered jobs. Without WEP, a worker

who spent most of his or her career in employment not covered by Social Security and who worked for a short time to get Social Security cover-age would end up with much higher benefits than if all of his or her work were done under Social Security. This is because we calculate Social Security benefits using a formula that gives proportionately higher benefits to workers with low lifetime earnings.

Want to learn more? You can dig deeper, and see some examples of just how the two provisions work in real-life situations, at www.socialse-curity.gov/gpo-wep. Or you can call toll-free, (800) 772-1213 (for the deaf or hard of hearing, call our TTY number, (800) 325-0778) and ask for Social Security publications on the Government Pension Offset or the Windfall Elimination Provision.

There’s no pop quiz now, but the real test will come when you’re ready to retire. A little time preparing for your retirement now can help you ace your final exam: retirement. To learn more about Social Secu-rity, visit www.socialsecurity.gov.


TYLERFrom page 18

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Under a new law, more Medicare beneficiaries could qualify for Extra Help with their Medicare prescription drug plan costs because some things no longer count as income and re-sources. The Extra Help is estimated to be worth an average of $3,900 per year. To qualify for the Extra Help, a person must be on Medicare, have limited income and resources, and re-side in one of the 50 states or the Dis-trict of Columbia.

Why Will It Be Easier To Qualify For Savings?

Under a new law, more Medicare beneficiaries could qualify for Extra Help with their Medicare prescrip-tion drug plan costs because some things no longer count as income and resources.

Who Can Get Extra Help?Anyone who has Medicare can get

Medicare Part D prescription drug coverage. Some people with limited income and resources are eligible for

Extra Help to pay for the costs–month-ly premiums, annual deductibles, and prescription co-payments–related to a Medicare prescription drug plan. To qualify for Extra Help: You must reside in one of the 50

states or the District of Columbia. Your resources must be limited

to $12,510 for an individual or $25,010 for a married couple living together. Resources include such things as bank accounts, stocks, and bonds. We do not count your house and car as re-sources; and Your annual income must be lim-

ited to $16,245 for an individual or $21,855 for a married couple living together. Even if your annual income is higher, you still may be able to get some help. Some examples where your income may be higher are if you or your spouse: Support other family members

who live with you; Have earnings from work; or Live in Alaska or Hawaii.

How Does The Law Change What Is Counted As Income And Resources?

Since Jan. 1, 2010, when determin-

ing your eligibility for Extra Help: We will no longer count as a re-

source any life insurance policy; and We will no longer count as income

the help you receive regularly from someone else to pay your household expenses — food, mortgage, rent, heating fuel or gas, electricity, water, and property taxes.

What Else Should I Know About The New Law?

If you already receive Extra Help, you will not need to reapply in 2010. Social Security will see if you are en-titled to any additional Extra Help because we no longer count your life insurance or help with household ex-penses.

Since Jan. 1, 2010, when you file your application for Extra Help, you also can start your application pro-cess for the Medicare Savings Pro-grams — state programs that provide help with other Medicare costs. So-

cial Security will send information to your state unless you tell us not to on the Extra Help application. Your state will contact you to help you apply for a Medicare Savings Program. These Medicare Savings Programs help peo-ple with limited income and resources pay for their Medicare expenses. The Medicare Savings Programs help pay for your Medicare Part B (medical in-surance) premiums. For some people, the Medicare Savings Programs also may pay for Medicare Part A (hospi-tal insurance) premiums, if any, and Part A and B deductibles and co-pay-ments.

How Do I Apply For Extra Help?

It is easy to apply for Extra Help. Just complete Social Security’s Appli-cation for Extra Help with Medicare Prescription Drug Plan Costs (SSA-1020). Here’s how: You can apply online at www.so-

cialsecurity.gov; Call Social Security at (800) 772-

1213 (TTY 800-325-0778) to apply over the phone or to request an appli-cation; or Apply at your local Social Secu-

rity office.After you apply, Social Security will

review your application and send you a letter to let you know if you qualify for the Extra Help. Once you qualify, you can choose a Medicare prescrip-tion drug plan. If you do not select a plan, the Centers for Medicare & Med-icaid Services will do it for you. The sooner you join a plan the sooner you begin receiving benefits.

Why Should I Apply For Extra Help Online?

Our online application is secure and offers several advantages. It takes you through the process, step by step,

Extra Help makes it easier to save on prescription drugs

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with a series of self-help screens. The screens will tell you what infor-mation you need to com-plete the application and will guide you in answer-ing the questions fully. You can apply from any computer at your own pace. You can start and stop at any time during the process, so you can leave the application and go back later to up-date or complete any of the required informa-tion. We are careful to protect your personal information.

How Can I Get More Information?

For more information about getting Extra Help with your Medicare pre-scription drug plan costs, visit www.socialsecurity.gov or call Social Secu-rity at (800) 772-1213 (TTY 800-325-0778). So-

cial Security represen-tatives are available to help you complete your application.

If you need informa-tion about Medicare Sav-ings Programs, Medi-care prescription drug plans, how to enroll in a plan, or to request a copy

of the Medicare & You handbook, please visit www.medicare.gov or call 1-800-MEDICARE (800-633-4227; TTY, 877-486-2048). When you call, you also can re-quest information about how to contact your State Health Insurance

Assistance Program. In addition, you can

find your local SHIP contact information on the back of your Medi-care handbook or obtain the information online at www.medicare.gov/ contacts/staticpages/ships.aspx.

EXTRAFrom page 20

The Official U.S. Government Site for People with MedicareSocial Security adminiStration

Although Social Security determines entitlement to Medicare ben-efits, the Medicare program is administered by a different agency, the Centers for Medicare & Medicaid Services. CMS’ Medicare Savings Programs Model Application for Medicare Premium Assistance can help you get assistance from your state with your Medicare costs. CMS also has publications about Medicare prescription drug coverage. To learn more, visit the CMS Web site.

There you can find information about CMS notices you might receive concerning your Medicare prescription drug coverage, and copies of CMS mailings.

There also is a Medicare Web site. You can call (800) MEDICARE (800-633-4227) to speak to a Medicare Customer Service Representative. TTY users should call (877) 486-2048.

Locally, people may contact SHIBA at the Washington-Idaho Volunteer Center at 1424 Main St. in Lewiston, or call (208) 746-7787.

Public Focus. Proven Results.

Public Consulting Group (PCG), formally F.M.Blake & Associates, offers full servicerepresentation to our local clients who are filing applications and appeals for:

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Disability is something most people do not like to think about. But the unfortunate reality is this: the chances that you will become disabled are prob-ably far greater than you realize. Studies show that a 20-year-old worker has a three in 10 chance of becoming disabled before reaching retirement age.

Social Security pays benefits to people with disabilities through the Social Security disability insurance pro-gram, which is covered by Social Security taxes. If you qualify, you can receive a monthly dis-ability benefit from So-cial Security for as long as your disability keeps you from working. The amount of your benefit is based on your average lifetime earnings. After

a period of time, usually after receiving cash benefits for 24 months, you can also receive Medicare coverage.

When you work and pay Social Security taxes, you earn credits. The number of credits you need to qualify for disability benefits de-pends on your age, and some of the work must be recent. For example, if you become disabled after age 31, you need to

have worked at least 10 years and five of the past 10 years. But if you become dis-abled before age 24, you need only one and a half years of work in the past three years.

If you have a dis-ability that makes you unable to work, the time to get started with your application is now. That’s because it can take time to de-termine whether you qualify for benefits.

It usually takes about three to five months for a medical decision from the state agency that evaluates your condi-tion. Then, if your appli-cation is approved, your first Social Security dis-ability payment will be made for the sixth full month after the date we determine that your dis-ability began. Medicare coverage generally be-gins 24 months, or two

years, after you begin receiving Social Secu-rity disability benefits.

Given the time it can take, it’s in your best interest to do everything you can to speed up the process. The best first step is for you to read our online publication, Disability Benefits, at www.socialsecu-rity.gov/pubs/10029.html. It will tell you all about the process, including what infor-mation you will need to apply for benefits.

Then, take advantage of our online disability starter kits. You’ll find them on our disabil-ity Web site at www.socialsecurity.gov/dis-ability. There is one kit for children and one for adults. Each kit is avail-able in both English and Spanish. The starter kits help you begin the process by providing in-formation about the spe-cific documents and the information that we will request from you. We will ask for more details during your interview or when you complete the online disability report.

Take a look at the dis-ability starter kit now at www.socialsecurity.gov/disability, or call (800) 772-1213 (TTY 800-325-0778) and ask that a kit be mailed to you.

Once you complete the online disability starter kit and you’re ready to apply, the most convenient way to do that is online too. Just go to the same

disability Web site at www.socialsecu-rity.gov/disability.

What To Do If Social Security Pays You Too Much

What should you do if Social Security pays you too much? That may seem like a strange idea at first, as most people worry about not having enough money. If you receive monthly Social Security or Supplemen-tal Security Income ben-efits, an overpayment can occur for many reasons, including work or another benefit that requires a reduction in your Social Secu-rity or SSI payment.

If Social Security does pay you too much, you will receive an overpayment notice in the mail. If you have a representative payee who helps you man-age your money, a copy of the letter will go to your payee. The notice will explain why you were overpaid, your repayment options, and your appeal and waiver rights. You should read the notice carefully.

If you agree with the overpayment decision, you have options for repaying it. We can withhold your overpay-ment from your monthly benefit payments or withhold a portion of your payment until the money is paid back. If

you no longer receive benefits, you can send a check to Social Security for the entire amount or set up a plan to pay back the amount in monthly installments.

If you are not receiv-ing benefits, and you do not pay the amount back, we can recover the overpayment from your federal income tax refund, from your wages if you are work-ing, or from future SSI or Social Security benefits. If you do not make an effort to repay the amount due, we may report the delinquency to credit bureaus.

If you believe that the overpayment decision is wrong and you should not have to repay it, you have the right to appeal the decision or request a waiver of recovery. If you believe you were not overpaid or the amount of the overpay-ment is wrong, you can file an appeal within 60 days of receiving the overpayment notice. If you agree that the overpayment is correct but you believe it was not your fault and pay-ing it back would cause you financial hardship or be unfair for some other reason, then you can request a waiver of recovery. Whether you submit an appeal or waiver request, all recovery would be sus-pended until a formal

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SEE TYLER, PAGE 23

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decision is sent to you.It’s also important to know that

Social Security will not take action to begin collecting on an overpayment without first notifying you and giving you the chance to appeal the decision. It’s also good to know that no mat-ter how long it takes to pay back an overpayment, Social Security never

charges interest on the money owed.If you’d like to learn more about

Social Security and SSI overpay-ments, we have a convenient and easy-to-read electronic fact sheet on the subject. You can find it at www.socialsecurity.gov/pubs/10098.html.

Learn more about Social Secu-rity at www.socialsecurity.gov.



SSA Publication No. 05-10064, Au-gust 2009

Identity theft is one of the fastest growing crimes in America. A dishon-est person who has your Social Secu-rity number can use it to get other per-sonal information about you. Identity thieves can use your number and your good credit to apply for more credit in your name. Then, they use the credit cards and do not pay the bills. You may not find out that someone is using your number until you are turned down for credit or you begin to get calls from unknown creditors demanding pay-ment for items you never bought.

Someone illegally using your Social Security number and assuming your identity can cause a lot of problems.

Your Number Is ConfidentialThe Social Security Administration

protects your Social Security number and keeps your records confidential. We do not give your number to anyone, except when authorized by law. You should be careful about sharing your number, even when you are asked for it. You should ask why your number is needed, how it will be used and what will happen if you refuse. The answers

to these questions can help you decide if you want to give out your Social Se-curity number.

How Might Someone Steal Your Number?

Identity thieves get your personal

information by:l Stealing wallets, purses and your

mail (bank and credit card state-ments, pre-approved credit offers, new checks and tax information);l Stealing personal information

you provide to an unsecured site on the Internet, from business or person-nel records at work and personal infor-mation in your home;l Rummaging through your trash,

the trash of businesses and public trash dumps for personal data;l Posing by phone or E-mail as

someone who legitimately needs in-formation about you, such as employ-ers or landlords; orl Buying personal information

from “inside” sources. For example, an identity thief may pay a store em-ployee for information about you that appears on an application for goods, services or credit.

Be Careful With Your Social Security Card And Number

Show your card to your employer when you start a job so your records are correct.

Provide your Social Security num-ber to your financial institution(s) for

tax reporting purposes. Keep your card and any other document that shows your Social Security number on it in a safe place.

DO NOT routinely carry your card or other documents that display your number.

What If You Think Someone Is Using Your Number?

Sometimes more than one person uses the same Social Security num-ber, either on purpose or by accident. If you suspect someone else is using your number for work purposes, you should contact us to report the prob-lem.

We will review your earnings with you to ensure our records are correct.

You also may review earnings post-ed to your record on your Social Secu-rity statement (Form SSA-7005).

The statement is mailed automati-cally each year to workers age 25 and older.

You also can get a statement at any time by requesting one online or by calling our 800 number.

Identity theft and your Social Security number

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SSA Publication No. 05-10002, May 2009, ICN 451384

A Social Security number is im-portant because you need it to get a job, collect Social Security benefits and receive some other government services. Many other businesses, such as banks and credit compa-nies, also ask for your number.

If you are a noncitizen living in the United States, you also may need a Social Security number. For more information, see Social Security Numbers For Nonciti-zens (Publication No. 05-10096). If you are temporarily in the United States to work, see Foreign Work-ers and Social Security Numbers (Publication No. 05-10107).

How Do I Get A Number And Card?

To apply for a Social Security number and card:l Complete an Application For

A Social Security Card (Form SS-5); andl Show us original documents

or copies certified by the issuing agency proving:l U.S. citizenship or immigra-

tion status (including Department of Homeland Security permission to work in the United States);l Age; andl Identity.Then, take or mail your com-

pleted application and documents to your local Social Security office.

Citizenship or immigration sta-tus: We can accept only certain documents as proof of U.S. citizen-ship. These include a U.S. birth certificate, U.S. consular report of birth, U.S. passport, Certificate of Naturalization or Certificate of Citizenship. If you are not a U.S. citizen, Social Security will ask to see your current U.S. immigration documents. Acceptable documents include your:l Form I-551 (includes machine-

readable immigrant visa with your unexpired foreign passport);l I-94 with your unexpired for-

eign passport; orl Work permit card from the

Department of Homeland Security (I-766 or I-688B).

Age: You must present your birth certificate if you have it or

can easily obtain it. If not, we can consider other documents, such as your passport to prove age.

Identity: We can accept only cer-tain documents as proof of identity. An acceptable document must be current (not expired) and show your name, identifying informa-tion and preferably a recent pho-tograph. Social Security will ask to see a U.S. driver’s license, state-is-sued nondriver identification card or U.S. passport as proof of iden-tity. If you do not have the specific documents we ask for, we will ask to see other documents including:l Employee ID card;l School ID card;l Health insurance card (not a

Medicare card);l U.S. military ID card;l Adoption decree;l Life insurance policy; orl Marriage document (only in

name change situations).All documents must be either

originals or copies certified by the issuing agency. We cannot accept photocopies or notarized copies of documents. We may use one docu-ment for two purposes. For exam-

A few words about your Social Security card

See CARD, Page 27

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If a loved one, friend or neighbor receives Social Security or Supplemental Security Income benefits but is no longer physically or mentally able to take care of his or her financial affairs, you may want to consider becoming a rep-resentative payee. Then, you’ll be able to help them with managing their money.

Keep in mind that being a representative payee is not the same as having power of attorney. Even if you do have power of attorney, you will need to apply to be a representative payee in order to have the benefit payments made to you on the beneficiary’s behalf.

When we learn a person is no longer able to handle his or her own Social Security or SSI benefits, we conduct a careful investigation and appoint a relative, friend or other interested party to serve as the representative payee. This means that if you agree to be a representa-

tive payee and we ap-point you, we pay you the person’s benefits to use on his or her behalf.

As a representative payee, you would be responsible for using the benefit payments to help meet the basic needs of the beneficiary. Primarily, the funds should be used to provide food, cloth-ing, shelter, utilities and other essential needs for the person eligible for benefits. As a representa-tive payee, you need to be aware of the beneficiary’s needs so you can decide how benefits can best be used for his or her per-sonal care and well-being.

Each year, Social Security will mail you a form to account for the benefits you have received. The quickest and easiest way to com-plete the form is online, at www.

Becoming a payee may be the best way to help a loved one

commentary

Jeanne Tyler

See TYLER, Page 26

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socialsecurity.gov/payee. You can also complete the paper form and return it to Social Security.

As a representative payee, you will also need to tell Social Security about changes that may affect the beneficia-ry’s eligibility. This includes things such as changes in living arrangements, other income and resources.

If you decide you want to help someone by becoming their representative payee, you’re in good company. More than 7 million people who get Social Security or SSI payments each month have a representative payee because they need help managing their money.

By agreeing to serve as a representative payee, you have taken on an important responsibility — one that can make a positive differ-ence in both the beneficia-ry’s life and your own.

Learn more by reading our online booklet, A Guide For Representative Pay-

ees, available on our Web site at www.socialsecurity.gov/pubs/10076.html.

Spouses Can Apply Online, Too

You probably already know that when it comes time to apply for retirement, you can do it online at www.socialsecurity.gov/applyon-line. But did you know that spouses can apply online, too?

That’s right. If you are a spouse applying for benefits based on your husband’s or wife’s record, you can do it online from the convenience of your own home. It’s so easy!

Wonder whether you may qualify to apply for spouse’s benefits? If you are a spouse who has not worked or who has worked for very low wages, you could be entitled to a benefit equal to as much as one-half of your retired spouse’s full benefit. Even if you are divorced, you may be eligible for benefits based on the employment record of your former spouse.

To get benefits on your spouse’s record, you must be at least age 62 or have a

qualifying child in your care — a child who is under age 16 or who receives Social Security disability benefits.

The amount of your spousal benefit depends on your age at retirement. If you begin receiving benefits before full retirement age, your benefits will be permanently reduced in most cases.

You also may be eligible for a retirement benefit based on your own earnings. If that benefit is higher than the spousal benefit, Social Secu-rity would pay you the higher benefit. We compare which of the two benefits would be more beneficial to you, and discuss the options you have.

If you have reached your full retirement age and are eligible for a spouse’s benefit as well as your own retire-ment benefit, you may choose to receive the spouse’s ben-efits only in order to continue accruing delayed retirement credits on your own Social Se-curity record. You may then file for benefits at a later date and receive a higher monthly benefit based on the effect of delayed retirement credits.

Remember that if you are a spouse who is taking care of a minor child (16

or under) or a child who is disabled and gets Social Security benefits on your or your spouse’s record, you can receive a benefit, regard-less of your retirement age.

A History Of ServiceToday, most adults in

America carry a cell phone. If they don’t, they probably have a landline phone at home. Although millions of people go online each year and take advantage of our convenient services at www.socialsecurity.gov, we still offer a full range of services over the telephone, too.

That’s an important thing to remember when you need to do business with Social Security. You can conduct many business transactions with our automated telephone services 24/7. Simply dial (800) 772-1213. And by call-ing that same number, you can talk with a Social Securi-ty representative from 7 a.m. to 7 p.m., Monday to Friday.

Our toll-free 800 number service, which has been in service 20 years, has now an-swered over a billion phone calls. And this year alone

Social Security will handle more than 60 million calls.

Our phones are busiest early in the week and early in the month, so if your business can wait, it’s best to call at other times. Also, whenever you call, have your Social Security number handy.

Bilingual representa-tives are available to assist our non-English speaking members of the public.

Do you have a Social Secu-rity question or problem and cannot call during normal business hours? Recorded information and many auto-mated services are available 24 hours a day — including weekends and holidays.

Callers can use these automated services to report a change of ad-dress or telephone number, start or change direct de-posit of benefits, request a proof of income letter or a replacement Medicare card, and order some of our most popular public information pamphlets.

Tyler is a public affairs spe-cialist with the Social Security Administration based in Boise. She may be contacted at [email protected].

TYLERFrom page 25

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Member SIPCMAKING SENSE OF INVESTING

When you’re working, you have a financial strategy that is largely based on one goal: saving money for a comfortable retirement. You’ll likely have to make many adjustments over several decades to ensure that you stay on track saving and investing. But once you retire, a new goal arises — investing so you can remain retired. To help yourself achieve this goal, you will need to make a number of investment decisions.

Which of these decisions are most important? Here are five to consider:

* How much will you spend each year? Before you can pursue an appropriate investment strategy, you’ll need to know about how much you’ll spend each year. Estimate your costs for housing, food, travel, entertainment, insurance, gifts — everything. Keep in mind that your expenses will likely change annually, especially for items such as health care. Don’t forget about inflation, which will likely cause your expenses to increase over the years. * How should you balance your investment portfolio to provide sufficient income and growth opportunities? Clearly, you’ll need your investments to provide a source of income during your retirement years. At the same time, you will need some growth potential to overcome the effects of inflation, which can erode your purchasing power. Consequently, you will need a mix of income- and growth-oriented investments, with the proportions depending on your risk tolerance and your lifestyle. * How much should you withdraw each year from your investment portfolio? The answer depends on several factors, including your retirement lifestyle, the size and

performance of your investment portfolio, inflation, your estimated life expectancy and the size of the estate you’d like to leave. This decision is important, because the amount you withdraw each year will directly affect how long your money lasts. * From which accounts should you begin taking withdrawals? You may have built three different types of accounts: taxable, tax-deferred and tax-free. It may be a good idea to take withdrawals from your taxable accounts first, thereby allowing your tax-deferred accounts, such as your Traditional IRA and your 401(k), more time to compound and potentially increase in value. If you have a tax-free account, such as a Roth IRA, save it for last to maximize the compounding on money on which you will never pay taxes. (Roth IRA earnings grow tax-free if you’ve had your account at least five years and you don’t begin taking withdrawals until you’re at least 59-1/2.) That said, this is just a rule of thumb. * When should you take Social Security? You can begin taking Social Security as early as age 62, but your monthly checks will be considerably larger if you wait until your “normal” retirement age, which is likely 65 or 66. But if you need the money, you may be better off by taking Social Security at 62 and giving your tax-deferred accounts more time to potentially grow.

As you can see, you’ll need a lot of expertise to successfully manage your financial and investment situations during retirement. If you don’t already work with a financial advisor and a tax professional, now would be a good time to start. Once you’ve got your financial strategy in place, you’ll be better prepared to enjoy an active, fulfilling retirement.

RETIREES MUST MAKE (AT LEAST) FIVE KEY FINANCIAL DECISIONS


ple, we may use your U.S. passport as proof of both citi-zenship and identity. Or, we may use your U.S. birth cer-tificate as proof of age and cit-izenship. However, you must provide at least two separate documents.

We will mail your number and card as soon as we have all of your information and have verified your documents with the issuing offices.

What If My Name Changed?

If you legally change your name because of marriage, divorce, court order or any other reason, you need to tell Social Security so that you can get a corrected card. If you are working, also tell your employer. If you do not tell us when your name changes, it may: Delay your tax refund;

and Prevent your wages from

being posted correctly to your

Social Security record, which may lower the amount of your future Social Security ben-efits.

If you need to change your name on your Social Secu-rity card, you must show us a recently issued document as proof of your legal name change. Documents Social Se-curity may accept to prove a legal name change include: Marriage document; Divorce decree; Certificate of Naturaliza-

tion showing a new name; or Court order for a name

change.If the document you pro-

vide as evidence of a legal name change does not give us enough information to identi-fy you in our records or if you legally changed your name more than two years ago, you must provide Social Security with additional documenta-tion.

Marriage, divorce or annul-ment: In addition to showing us a legal document proving your marriage, divorce or an-nulment, you must provide an identity document. That document must show your old name, as well as other identi-fying information or a recent photograph. (We can accept

an expired document as evi-dence of your old name.)

Adoption, naturalization or other name change: In ad-dition to showing us a legal document citing your new name, such as a court order, adoption decree or Certificate of Naturalization, you must provide us with two identity documents, including: One identity document in

your old name (which can be expired); and One identity document in

your new legal name, which must be current (unexpired).

Both of these documents must show identifying in-formation or a recent photo-graph.

What If My Card Is LostYou can replace your card

or your child’s card for free if it is lost or stolen. However, you are limited to three re-placement cards in a year and 10 during your lifetime. Legal name changes and other ex-ceptions do not count toward these limits. For example, changes in noncitizen status that require card updates may not count toward these limits. Also, you may not be affected

by these limits if you can prove you need the card to prevent a significant hardship.

To get a replacement card, you will need to: Complete an Application

For A Social Security Card (Form SS-5); Present a recently issued

document to show your identity; Show evidence of your

U.S. citizenship if you were born outside the United States and did not show proof of citi-zenship when you got your card; and Show evidence of your cur-

rent lawful noncitizen status if you are not a U.S. citizen.

How Can I Protect My Number?

You should treat your Social Security number as confiden-tial information and avoid giv-ing it out unnecessarily. You should keep your Social Secu-rity card in a safe place with your other important papers. Do not carry it with you un-less you need to show it to an employer or service provider.

We do several things to pro-tect your number from mis-use. For example, we require and carefully inspect proof of

identity from people who ap-ply to replace lost or stolen Social Security cards, or for corrected cards. One reason we do this is to prevent people from fraudulently obtaining Social Security numbers to establish false identities. We maintain the privacy of Social Security records unless: The law requires us to

disclose information to anoth-er government agency; or Your information is need-

ed to conduct Social Security or other government health or welfare program business.

You should be very careful about sharing your number and card to protect against misuse of your number. Giv-ing your number is voluntary even when you are asked for the number directly. If re-quested, you should ask: Why your number is

needed; How your number will be

used; What happens if you re-

fuse; and What law requires you to

give your number.The answers to these ques-

tions can help you decide if you want to give your Social Security number.

The decision is yours.

CARDFrom page 24

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Social Security 2010

Documents

Transcript of Social Security 2010