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Social Security Q&A

How Working After Retirement Age Effects Your Social Security Benefit

There are many ways to get Social Security information other than going to an office

Dec. 11, 2013 - Increasingly, older Americans are choosing to stay in the work force after retirement age. How does continuing to earn an income impact there Social Security benefit? Oscar Garcia, Informational Specialist with the Social Security Administration, has the answer in this week's Q&A on Social Security.

Question:

I am nearing my full retirement age, but I plan to keep working after I apply for Social Security benefits. Will my benefits be reduced because of my income?

Answer:

No. If you start receiving benefits after you have reached your full retirement age, you can work while you receive Social Security and your current benefit will not be reduced because of the earned income.

Learn more about Social Security reading our publication, “How Work Affects Your Benefits”, at www.socialsecurity.gov/pubs/10069.html.

Question:

Do I have to go in person to a Social Security office to apply for my retirement benefits? I live 75 miles from the closest office, and I am in a wheelchair so it would not be easy for me to drive into town.

 

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Answer:

There is a lot of Social Security business that can be handled online. Just go to www.socialsecurity.gov. Here, you can handle much of your Social Security business quickly and securely from your home or office computer, or your tablet.

At the Social Security website you can apply for retirement, disability, spouse’s, and Medicare benefits. You can also create a “my Social Security” account for quick access to your information, and you can get an instant, personalized estimate of your future Social Security benefits. You will be able to check the status of your benefit application. 

 Later, if it becomes necessary you can change your address and phone number without having to visit a local office or make a phone call. Anyone who is doing some retirement planning can use our benefit planners to help them better understand their Social Security options. You can even request a replacement Medicare card, and apply for Extra Help with your Medicare prescription drug costs.

If you are looking for more Social Security information, you can go online to find out almost anything you need to know about the Social Security program. Information is available on subjects ranging from how to get a Social Security number to returning to work while receiving disability benefits.

If you need to reach us by phone, you can call us toll-free at 1-800-772-1213. We can answer specific questions from 7 a.m. to 7 p.m., Monday through Friday.

Generally, you will have a shorter wait time if you call during the week after Tuesday. We can provide information by automated phone service 24 hours a day. You can use our automated response system to tell us a new address or request a replacement Medicare card. If you are deaf or hard of hearing, you may call our TTY number, 1-800-325-0778.

No matter how you choose to contact us, Social Security is here to assist you. We encourage you to give our website a try. You will get fast, convenient service by going to www.socialsecurity.gov.

Oscar Garcia is a Public Affairs Specialist with the Social Security Administration. You can direct your questions to him at: SSA, 411 Richland Hills Drive, San Antonio, Texas, 78245. You can also email him at Oscar.h.garcia@ssa.gov.

 

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