Social security is the most important social resource of our nation. More than 63 million benefit checks are sent out each month, driving more than a third of the recipients out of poverty. For pensioners aged 62 or over, 62% rely on their monthly pay to reach at least half of their income. In other words, it's pretty important to the financial well-being of tens of millions of Americans.
But it's also a program that many people do not really understand what it means.
For example, over time The Social Security Administration (SSA) has shifted its resources online to current and future beneficiaries. Decades ago, just about every question or action required a call or a personal visit to an SSA employee. This does not mean that SSA employees are unwilling to help people by phone or in person if they have a question or need help. But you'll probably be surprised how much you can do online with an account at "My Social Security" or through the Social Security website.
In this regard, here are 1
. 1 Request a Replacement Social Security Card
Losing important documents is never fun, especially if it's your social security card. The good news is that SSA allows you to request a replacement card online in most states. If you are at least 18 years old, do not apply for a name change or other changes to your card, and have a valid driver or status license, most states (32 total) can complete the online promotion.
The exceptions? In Delaware and Wisconsin, you need a driver's license for this service (government-issued licenses do not work), and this service is not yet available in the following 16 states: Alabama, Alaska, Connecticut, Hawaii, Kansas, Minnesota Nevada, New Hampshire, North Carolina , Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Utah and West Virginia.
. 2 Change Your Address and / or Phone Number
With an account in My Social Security, you can change your personal information, including address and phone number, in the My Profile section. In addition, you can decide when the change of address takes effect, so that this can be done in good time before moving.
According to the SSA, people receiving social security benefits and people enrolled in Medicare can use your My Social Security account to change their address and other contact information. This service is not available to people who are receiving additional benefits (SSI) or who do not live in the US.
. 3 Requesting and Printing a Certificate of Achievement
You can also apply for a proof of attendance online. It is sometimes referred to as a "proof of income", "letter of benefits" or "budget letter" and provides proof that you are receiving or not receiving income from social insurance. This letter can be applied for online and printed out as proof of income, when you apply for a loan or mortgage, or when you apply for assisted living or other state or local benefits.
Your My Social Security account also allows you to select information that you want to keep in the final printed copy or not.
. 4 Check Your Social Security Statement
The compelling reason for creating a My Social Security account (and the reason why I did it) is easy to keep track of your social security statement. Your online account, which was previously sent to employees aged 25 to 60 every five years, gives you access to your estimated full-pay retirement at any time.
This is just an estimate, and it will turn out more accurate as you approach retirement age. But simply knowing where you stand from the perspective of payouts is an important piece of the puzzle when planning your retirement.
. 5 Check Your Earning History
Similar to the previous point, you can also use your statement to check your earning history online. Although the SSA is a highly efficient agency and takes less than 0.7% of all revenues from the program to cover its operating costs, it can make mistakes. If you detect a pay-as-you-go error before you take advantage of it, it's much easier to fix than discover a bug afterwards.
. 6 Use the Social Security Authority's Pension, Disability, or Survival Planner
Another relatively indispensable resource that you can find on the main Social Security website is the Pension Planner, Disability, and Survivor Performance Plan page. Each of the individual planners describes how you or your family might be entitled to benefits, discusses some of the benefits that you may not have known you are entitled to, and how and when you should apply (at least for the planner for old-age provision).
. 7 Claim a Social Security or Spouse's Pensions
While this may be the biggest decision that you make as a senior – when you decide when to claim benefits – it does not have to be complicated. Although you can call or make an appointment with an SSA representative by telephone, you can apply for retirement or spouse benefits online through Social Security's main Web site. Best of all, the application can often be completed in less than 15 minutes.
To apply, you must be at least 61 years and eight months old and currently not receive any benefits based on your earnings. In addition, your benefits can not begin for more than four months in the future, so the minimum age for the claim age is 61 years and eight months since the first retirement age is 62 years. In addition, there are some "social security benefits" SSA proposes before applying online.
8. or Social Security Benefits
Similar to the cases above, the SSA also permits applications for Social Security Disability Insurance (DI) and Supplementary Benefits (if you also qualify for SSI submission at the time of purchase).
So you To apply online for DI services, you must be at least 18 years of age and currently not receive any benefits based on your earnings, and working in anticipation of illness will take at least one year or cause death that you can not apply online if you e have not received a disability pension in the last 60 days.
. 9 Start or change the direct deposit of your benefit.
It's your money, so make it faster! Set up a direct deposit for your monthly benefit review on your My Social Security account under the My Profile tab. Individuals currently receiving social benefits can update their direct deposit information at any time and decide when changes take effect.
As with other changes on the My Profile tab, this service is not open to anyone who receives SSI or has an address outside the United States.
10th Report wages if you currently receive DI or SSI.
Another useful feature of the My Social Security account is that recipients of disability insurance and income from the supplement can report income online. This service is available to individuals who directly receive these benefits, as well as their representative payees, which may include a parent or spouse.
A quick note: This is not a service available to beneficiaries of a retired employee's advantage.
. 11 Check the status of an application or remedy
If you are a truly impatient person like yours, you can use your My Social Security account to view the status of an application for benefits or a remedy for a rejected application. Online users can see the following:
- When did the SSA receive their complaint or complaint.
- Date and time of the planned hearing.
- Indication of the place of application and complaint, if planned.
- If its application or appeal was decided.
12th Print Your SSA-1099
One of the most common requests SSA receives from social security beneficiaries is the SSA-1099 form, which shows the benefits received in the previous year. This form is often required before beneficiaries can complete their tax return. The good news is that beneficiaries can go online and print their 1099 directly from the source. This is especially useful if you are still doing a paper capture, unlike an electronic filing system.
. 13 Obtain a SSA-1099 or SSA-1042S Replacement for Tax Considerations
If, for any unfortunate reason, you have lost or misplaced your SSA-1099 or SSA-1042S, you can immediately replace your "my Social Security" Non-citizen residing outside the US who have received social security benefits, or beneficiaries who received benefits in the past year, will receive an SSA-1042S. If you have logged into your account, select the Substitute Documents tab to get compensation for your lost or misdirected tax forms.
14. Receive a Medicare Reimbursement Card
Since the Social Security Office also oversees Medicare, the most important medical program for seniors in the US, you can Your "Social Security" account will apply for a replacement Medicare card, whether lost, stolen or destroyed rt is, you can go into your account "My Social Security" on the "Replacement Documents" and "Send My Medicare replacement card" option. According to SSA, you should receive your new card within 30 days by mail.
15th Apply for Medicare and Extra Help
Last but not least, you can also use Social Security's primary Web site to apply for Medicare benefits, and the Extra Help program, which cuts Medicare prescription drug costs can. The extra help program has an estimated value of about $ 4,900 per year per SSA. To qualify, you must have limited income and limited resources and receive Medicare.
As you can see, with Social Security (and Medicare) you can do much more online than you probably thought.