1554 lines
109 KiB
Text
1554 lines
109 KiB
Text
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<title>Plan for retirement | SSA</title>
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|
||
|
||
<a class="usa-logo__text ssa-logo__text" href="/" accesskey="1" title="Home" aria-label="Home">
|
||
<span class="ssa-logo__image">
|
||
<img src="/themes/custom/ssa_core/logo.svg" alt="Home" />
|
||
</span>
|
||
|
||
<span class="ssa-logo__link">
|
||
Social Security
|
||
</span>
|
||
</a>
|
||
|
||
</div>
|
||
|
||
<div class="usa-nav__sign-in">
|
||
<div class="language-switcher-language-url block block-language block-language-blocklanguage-content" data-block-plugin-id="language_block:language_content">
|
||
|
||
|
||
<ul class="links usa-nav__primary usa-accordion"><li hreflang="en" data-drupal-link-system-path="node/301" class="usa-nav__primary-item"><a href="/prepare/plan-retirement" class="language-link" hreflang="en" data-drupal-link-system-path="node/301">English</a></li><li hreflang="es" data-drupal-link-system-path="node/301" class="usa-nav__primary-item"><a href="/es/prepare/plan-retirement" class="language-link" hreflang="es" data-drupal-link-system-path="node/301">Español</a></li></ul>
|
||
</div>
|
||
|
||
<ul class="usa-nav__primary usa-nav_primary--account">
|
||
<noscript>
|
||
<li class="users-block">
|
||
<a href="https://secure.ssa.gov/myssa/myhub" class="usa-mobile-header-button" data-cta="button" data-location="header" target="_blank">
|
||
Account
|
||
</a>
|
||
</li>
|
||
</noscript>
|
||
<li class="js-sign-in loading users-block">
|
||
<a href="https://secure.ssa.gov/RIL/SiView.action" class="usa-mobile-header-button js-sign-in loading" data-cta="button" data-location="header">Sign in</a>
|
||
</li>
|
||
|
||
<li class="js-task-link--auth users-block">
|
||
<a href="https://secure.ssa.gov/myssa/myhub" class="js-task-link--auth usa-mobile-header-button datalayer-event-click" data-attribute-datalayer-event-category="click" data-attribute-datalayer-event-action="goto_account_home" data-attribute-datalayer-event-label="account_home" data-attribute-datalayer-event-value="https://secure.ssa.gov/myssa/myhub" data-cta="button" data-location="header" target="_blank">
|
||
<span>Account</span>
|
||
</a>
|
||
</li>
|
||
|
||
|
||
</ul>
|
||
</div>
|
||
<button class="usa-menu-btn">Menu</button>
|
||
<noscript>
|
||
<style>.usa-menu-btn:not(.no-script) {display:none}</style>
|
||
<a href="/menu" class="usa-menu-btn no-script">Menu</a>
|
||
</noscript>
|
||
|
||
</div>
|
||
|
||
<nav class="usa-nav">
|
||
|
||
<button class="usa-nav__close">
|
||
<img src="/themes/custom/ssa_core/assets/img/close.svg" alt="close"/>
|
||
</button>
|
||
|
||
|
||
|
||
|
||
|
||
|
||
<noscript>
|
||
<style type="text/css">
|
||
ul.usa-nav__primary.usa-accordion:not(.links) {
|
||
display: none;
|
||
}
|
||
</style>
|
||
<ul class="links usa-nav__primary usa-accordion">
|
||
<li class="usa-nav__primary-item">
|
||
<a href="/menu#benefits" class="usa-nav__link">Benefits</a>
|
||
</li>
|
||
<li class="usa-nav__primary-item">
|
||
<a href="/menu#medicare" class="usa-nav__link">Medicare</a>
|
||
</li>
|
||
<li class="usa-nav__primary-item">
|
||
<a href="/menu#card-record" class="usa-nav__link">Card & record</a>
|
||
</li>
|
||
</ul>
|
||
</noscript>
|
||
<ul class="usa-nav__primary usa-accordion">
|
||
|
||
|
||
<li class="usa-nav__primary-item">
|
||
|
||
<button class="usa-accordion__button usa-nav__link usa-current" aria-expanded="false" aria-controls="basic-nav-section-1">
|
||
<span>Benefits</span>
|
||
</button>
|
||
|
||
|
||
|
||
<ul id="basic-nav-section-1" class="usa-nav__submenu" hidden="">
|
||
|
||
|
||
<div class="grid-row grid-gap-2">
|
||
|
||
|
||
<div class="usa-col desktop:grid-col-6">
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<h5 class="usa-nav__submenu-header"><span>By Phase</span></h5>
|
||
|
||
|
||
<ul id="basic-nav-section-column-1" class="usa-nav__submenu-list">
|
||
|
||
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/prepare" >
|
||
<span>Prepare</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/apply" >
|
||
<span>Apply</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/manage-benefits" >
|
||
<span>Manage benefits</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
</ul>
|
||
|
||
|
||
|
||
</li>
|
||
</div>
|
||
|
||
|
||
<div class="usa-col desktop:grid-col-6">
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<h5 class="usa-nav__submenu-header"><span>By Type</span></h5>
|
||
|
||
|
||
<ul id="basic-nav-section-column-2" class="usa-nav__submenu-list">
|
||
|
||
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/retirement" >
|
||
<span>Retirement</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/disability" >
|
||
<span>Disability</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/survivor" >
|
||
<span>Survivor</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/family" >
|
||
<span>Family</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/ssi" >
|
||
<span>Supplemental Security Income (SSI)</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
</ul>
|
||
|
||
|
||
|
||
</li>
|
||
</div>
|
||
|
||
|
||
<div class="usa-col grid-col-12 padding-top-1 desktop:padding-top-2 desktop:margin-top-2 border-primary-dark desktop:border-top">
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/benefits" >
|
||
<span>Benefits overview</span>
|
||
</a>
|
||
|
||
</li>
|
||
</div>
|
||
|
||
|
||
</ul>
|
||
|
||
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__primary-item">
|
||
|
||
<button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="basic-nav-section-2">
|
||
<span>Medicare</span>
|
||
</button>
|
||
|
||
|
||
|
||
<ul id="basic-nav-section-2" class="usa-nav__submenu" hidden="">
|
||
|
||
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/medicare" >
|
||
<span>Plan for Medicare</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/medicare/sign-up" >
|
||
<span>Sign up for Medicare</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/medicare/lower-irmaa" >
|
||
<span>Request to lower IRMAA</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/medicare/part-d-extra-help" >
|
||
<span>Apply for Part D Extra Help</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/medicare/manage" >
|
||
<span>Manage Medicare benefits</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
</ul>
|
||
|
||
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__primary-item">
|
||
|
||
<button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="basic-nav-section-3">
|
||
<span>Card & record</span>
|
||
</button>
|
||
|
||
|
||
|
||
<ul id="basic-nav-section-3" class="usa-nav__submenu" hidden="">
|
||
|
||
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/number-card" >
|
||
<span>Number & card</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
<a href="/personal-record" >
|
||
<span>Personal record</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
</ul>
|
||
|
||
|
||
|
||
</li>
|
||
|
||
|
||
</ul>
|
||
|
||
|
||
|
||
|
||
<div class="ssa-search-block-form usa-search block block-ssa-search block-search-block" role="search" data-drupal-selector="ssa-search-block-form" id="block-ssasearchblock" data-block-plugin-id="search_block">
|
||
|
||
|
||
<form action="/prepare/plan-retirement" method="post" id="ssa-search-block-form" accept-charset="UTF-8" target="_blank" class="usa-form">
|
||
<div class="form-item js-form-item form-type-search js-form-type-search form-item-query js-form-item-query form-no-label">
|
||
<label for="edit-query" class="usa-label control-label usa-sr-only">Search</label>
|
||
|
||
|
||
<input autocomplete="off" data-drupal-selector="edit-query" type="search" id="edit-query" name="query" value="" size="128" maxlength="128" class="form-search usa-input" />
|
||
|
||
|
||
|
||
|
||
|
||
|
||
|
||
</div>
|
||
|
||
|
||
<input data-drupal-selector="form-eha2qbzt9zkjd8fahl8bs4029yo4exqzov0dsjermhw" type="hidden" name="form_build_id" value="form-eHA2qBZt9ZkJD8fAhL8bS4029Yo4exqzoV0dsjErmHw" class="usa-input" />
|
||
|
||
|
||
|
||
|
||
|
||
|
||
<input data-drupal-selector="edit-ssa-search-block-form" type="hidden" name="form_id" value="ssa_search_block_form" class="usa-input" />
|
||
|
||
|
||
|
||
|
||
<div data-drupal-selector="edit-actions" class="form-actions js-form-wrapper form-wrapper" id="edit-actions"><input data-drupal-selector="edit-submit" type="submit" id="edit-submit" value="Search" class="button js-form-submit form-submit usa-button" data-cta="button" data-location="header" /></div>
|
||
|
||
</form>
|
||
|
||
</div>
|
||
<div class="language-switcher-language-url block block-language block-language-blocklanguage-content" id="block-languageswitchercontent" data-block-plugin-id="language_block:language_content">
|
||
|
||
|
||
<ul class="links usa-nav__primary usa-accordion"><li hreflang="en" data-drupal-link-system-path="node/301" class="usa-nav__primary-item"><a href="/prepare/plan-retirement" class="language-link" hreflang="en" data-drupal-link-system-path="node/301">English</a></li><li hreflang="es" data-drupal-link-system-path="node/301" class="usa-nav__primary-item"><a href="/es/prepare/plan-retirement" class="language-link" hreflang="es" data-drupal-link-system-path="node/301">Español</a></li></ul>
|
||
</div>
|
||
|
||
|
||
|
||
|
||
|
||
|
||
<noscript>
|
||
<ul class="usa-nav__primary usa-nav__primary--account usa-accordion links">
|
||
<li class="usa-nav__primary-item">
|
||
<a href="https://secure.ssa.gov/myssa/myhub" class="usa-mobile-header-button usa-nav__link datalayer-event-click" data-attribute-datalayer-event-category="click" data-attribute-datalayer-event-action="begin_login" data-attribute-datalayer-event-label="sign_in" data-attribute-datalayer-event-value="https://secure.ssa.gov/myssa/myhub" target="_blank">
|
||
<span></span>
|
||
</a>
|
||
</li>
|
||
</noscript>
|
||
<ul class="usa-nav__primary usa-nav__primary--account usa-accordion">
|
||
|
||
|
||
<li class="js-sign-in loading usa-nav__primary-item">
|
||
|
||
|
||
|
||
|
||
|
||
<a href="https://secure.ssa.gov/RIL/SiView.action" class="usa-mobile-header-button js-sign-in loading usa-nav__link" >
|
||
<span>Sign in</span>
|
||
</a>
|
||
|
||
|
||
</li>
|
||
|
||
|
||
<li class="js-my-account disabled loading usa-nav__primary-item">
|
||
|
||
<button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="user-nav-section-2">
|
||
<span>My account</span>
|
||
</button>
|
||
|
||
|
||
|
||
<ul id="user-nav-section-2" class="usa-nav__submenu" hidden="">
|
||
|
||
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
|
||
|
||
<a href="https://secure.ssa.gov/myssa/myhub" class="js-account-home" >
|
||
<span>Account home</span>
|
||
</a>
|
||
|
||
|
||
</li>
|
||
|
||
|
||
<li class="usa-nav__submenu-item">
|
||
|
||
|
||
|
||
|
||
|
||
<a href="https://secure.ssa.gov/RIL/logout" class="js-sign-out" >
|
||
<span>Sign out</span>
|
||
</a>
|
||
|
||
|
||
</li>
|
||
|
||
|
||
</ul>
|
||
|
||
|
||
|
||
</li>
|
||
|
||
|
||
</ul>
|
||
|
||
|
||
|
||
|
||
|
||
</nav>
|
||
|
||
</div>
|
||
|
||
</header>
|
||
|
||
|
||
<main class="main-content usa-layout-docs " id="main-content" role="main" tabindex="-1">
|
||
|
||
<div class="grid-container">
|
||
|
||
<div class="grid-row">
|
||
<div>
|
||
<div id="block-ssa-core-breadcrumbs" data-block-plugin-id="system_breadcrumb_block" class="block block-system block-system-breadcrumb-block">
|
||
|
||
|
||
<nav role="navigation" aria-labelledby="system-breadcrumb" class="usa-breadcrumb">
|
||
<h2 id="system-breadcrumb" class="usa-sr-only">Breadcrumb</h2>
|
||
<ol class="usa-breadcrumb__list">
|
||
<li class="usa-breadcrumb__list-item">
|
||
<a href="/" class="usa-breadcrumb__link"><span>Home</span></a>
|
||
</li>
|
||
<li class="usa-breadcrumb__list-item">
|
||
<a href="/prepare" class="usa-breadcrumb__link"><span>Prepare for Social Security benefits</span></a>
|
||
</li>
|
||
<li class="usa-breadcrumb__list-item">
|
||
Plan for retirement
|
||
</li>
|
||
</ol>
|
||
</nav>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
|
||
<div class="">
|
||
<div data-drupal-messages-fallback class="hidden"></div>
|
||
|
||
|
||
</div>
|
||
|
||
</div>
|
||
|
||
|
||
<div class="grid-container">
|
||
<div class="grid-row grid-gap">
|
||
<aside
|
||
class="usa-layout-docs__sidenav desktop:grid-col-3 layout-sidebar-first"
|
||
role="complementary">
|
||
<div class="usa-section">
|
||
|
||
|
||
|
||
<ul class="usa-sidenav ssa-sidenav">
|
||
|
||
|
||
|
||
<li class="usa-sidenav__item ssa-sidenav__item expanded dropdown active active-trail first">
|
||
<a class="usa-current" href="/retirement">
|
||
<span>Retirement</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
<ul class="usa-sidenav__sublist">
|
||
|
||
|
||
|
||
<li class="usa-sidenav__item ssa-sidenav__item first">
|
||
<a href="/retirement/eligibility">
|
||
<span>Eligibility</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
|
||
<li class="usa-sidenav__item ssa-sidenav__item active active-trail last">
|
||
<a class="usa-current" href="/prepare/plan-retirement">
|
||
<span>Plan for retirement</span>
|
||
</a>
|
||
|
||
</li>
|
||
</ul>
|
||
|
||
|
||
|
||
|
||
<li class="usa-sidenav__item ssa-sidenav__item">
|
||
<a href="/disability">
|
||
<span>Disability</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
|
||
<li class="usa-sidenav__item ssa-sidenav__item">
|
||
<a href="/survivor">
|
||
<span>Survivor</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
|
||
<li class="usa-sidenav__item ssa-sidenav__item">
|
||
<a href="/family">
|
||
<span>Family</span>
|
||
</a>
|
||
|
||
</li>
|
||
|
||
|
||
|
||
<li class="usa-sidenav__item ssa-sidenav__item last">
|
||
<a href="/ssi">
|
||
<span>Supplemental Security Income (SSI)</span>
|
||
</a>
|
||
|
||
</li>
|
||
</ul>
|
||
|
||
|
||
|
||
|
||
</div>
|
||
</aside>
|
||
<div class="usa-layout-docs__main ssa-layout-docs__main--sidebar-layout desktop:grid-col-8">
|
||
<div id="block-ssa-core-content" data-block-plugin-id="system_main_block" class="block block-system block-system-main-block">
|
||
|
||
|
||
<article>
|
||
|
||
|
||
<div class="ssa-benefit-guidance">
|
||
<section class="usa-section usa-prose">
|
||
|
||
<h1 >
|
||
|
||
<span>Plan for retirement</span>
|
||
|
||
</h1>
|
||
<div class="ssa-benefit-guidance__context">
|
||
|
||
|
||
<div class="field field--name-field-task-context field--type-entity-reference-revisions field--label-hidden field__item"> <div class="paragraph paragraph--type--task-context paragraph--view-mode--default ssa-task-context usa-prose">
|
||
<h2 class="ssa-task-context__heading"></h2>
|
||
<div class="ssa-task-context__body">
|
||
|
||
|
||
<div class="field field--name-field-context-description field--type-text-long field--label-hidden field__item"><p>Apply for your monthly retirement benefit any time between age 62 and 70. We calculate your payment by looking at how much you've earned throughout your life. The amount will be higher the longer you wait to apply, up until age 70. The timing is up to you and should be based on your own personal needs.</p>
|
||
</div>
|
||
|
||
</div>
|
||
</div>
|
||
</div>
|
||
|
||
</div>
|
||
<div class="ssa-benefit-guidance__primary-service-channel">
|
||
|
||
|
||
<div class="field field--name-field-primary-service-channels field--type-entity-reference-revisions field--label-hidden field__items">
|
||
<div class="field__item"><div class="usa-summary-box ssa-service-channel" role="complementary">
|
||
<div class="grid-row grid-gap-3">
|
||
<div class="display-none mobile-lg:display-block grid-col flex-auto ssa-service-channel__icon">
|
||
|
||
|
||
<div class="field field--name-icon field--type-entity-reference field--label-hidden field__item"><div>
|
||
|
||
|
||
|
||
<div class="field field--name-field-media-image-1 field--type-image field--label-hidden field__item"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" width="66px" height="59px" viewBox="0 0 66 59" version="1.1">
|
||
<g id="SSA-Components" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd">
|
||
<g id="Completion-methods-online" transform="translate(-242.000000, -236.000000)" fill="#000000">
|
||
<g id="Group-3" transform="translate(226.000000, 203.000000)">
|
||
<g id="desktop-light" transform="translate(16.000000, 33.000000)">
|
||
<g transform="translate(0.403846, 0.000000)" id="Shape">
|
||
<path d="M60.0769231,0 L5.46153846,0 C2.4463141,0 0,2.44200721 0,5.45192308 L0,38.1634615 C0,41.1733774 2.4463141,43.6153846 5.46153846,43.6153846 L27.3076923,43.6153846 L24.5769231,54.5192308 L16.3846154,54.5192308 C15.3833333,54.5192308 14.5641026,55.3370192 14.5641026,56.3365385 C14.5641026,57.3360577 15.3833333,58.1538462 16.3846154,58.1538462 L49.1538462,58.1538462 C50.1551282,58.1538462 50.974359,57.3360577 50.974359,56.3365385 C50.974359,55.3370192 50.1551282,54.5192308 49.1538462,54.5192308 L40.9615385,54.5192308 L38.2307692,43.6153846 L60.0769231,43.6153846 C63.0921474,43.6153846 65.5384615,41.1733774 65.5384615,38.1634615 L65.5384615,5.45192308 C65.5384615,2.44200721 63.0921474,0 60.0769231,0 Z M28.3317308,54.5192308 L30.1522436,47.25 L35.3862179,47.25 L37.2067308,54.5192308 L28.3317308,54.5192308 Z M61.8974359,38.1634615 C61.8974359,39.1629808 61.0782051,39.9807692 60.0769231,39.9807692 L5.46153846,39.9807692 C4.46025641,39.9807692 3.64102564,39.1629808 3.64102564,38.1634615 L3.64102564,5.45192308 C3.64102564,4.45240385 4.46025641,3.63461538 5.46153846,3.63461538 L60.0769231,3.63461538 C61.0782051,3.63461538 61.8974359,4.45240385 61.8974359,5.45192308 L61.8974359,38.1634615 Z" fill-rule="nonzero"></path>
|
||
</g>
|
||
</g>
|
||
</g>
|
||
</g>
|
||
</g>
|
||
</svg></div>
|
||
|
||
</div>
|
||
</div>
|
||
|
||
</div>
|
||
<div class="grid-col-12 grid-col flex-fill">
|
||
<h2 class="usa-summary-box__heading ssa-service-channel__heading">
|
||
<div class="js-task-link--auth loading">
|
||
|
||
|
||
<div class="field field--name-field-signed-in-heading field--type-string field--label-hidden field__item">Get an estimate</div>
|
||
|
||
</div>
|
||
<div class="js-task-link--anon loading">
|
||
|
||
|
||
<div class="field field--name-heading field--type-text field--label-hidden field__item"><p>Get an estimate</p>
|
||
</div>
|
||
|
||
</div>
|
||
</h2>
|
||
<div class="usa-summary-box__body">
|
||
|
||
|
||
<div class="field field--name-instructions field--type-text-long field--label-hidden field__item"><p>Check your Social Security account to see how much you'll get when you apply at different times between age 62 and 70.</p>
|
||
</div>
|
||
|
||
</div>
|
||
<ul class="usa-button-group">
|
||
<li class="usa-button-group__item js-task-link--anon loading">
|
||
|
||
|
||
<div class="field field--name-primary-action field--type-entity-reference field--label-hidden field__item"><div>
|
||
|
||
|
||
|
||
<div class="field field--name-field-action-link-link field--type-link field--label-hidden field__item"><a href="https://secure.ssa.gov/RIL/SiView.action" class="usa-button">Sign in</a></div>
|
||
|
||
</div>
|
||
</div>
|
||
|
||
</li>
|
||
<li class="usa-button-group__item js-task-link--auth loading">
|
||
<div>
|
||
<a
|
||
href="https://secure.ssa.gov/myssa/bec-plan-prep-ui/bec-home"
|
||
class="usa-button" data-cta="button" data-location="body"
|
||
>View estimate
|
||
</a>
|
||
</div>
|
||
|
||
</li>
|
||
<li class="usa-button-group__item usa-button-group__item--secondary js-task-link--anon loading">
|
||
|
||
|
||
<div class="field field--name-secondary-action field--type-entity-reference field--label-hidden field__item"><div>
|
||
|
||
|
||
|
||
<div class="field field--name-field-action-link-link field--type-link field--label-hidden field__item"><a href="https://secure.ssa.gov/acu/FIS/ap?idp=logingov&app=rir&target=/myssa/myhub" class="usa-button">Create account</a></div>
|
||
|
||
</div>
|
||
</div>
|
||
|
||
</li>
|
||
</ul>
|
||
</div>
|
||
</div>
|
||
</div>
|
||
</div>
|
||
</div>
|
||
|
||
</div>
|
||
<div class="ssa-task__action-list ssa-benefit-guidance__inline-actions">
|
||
<div class="paragraph paragraph--type--inline-action-list paragraph--view-mode--default ssa-inline-action-list usa-prose">
|
||
<h2 class="ssa-inline-action-list__heading">Other factors that can affect your amount</h2>
|
||
|
||
|
||
<div class="field field--name-field-inline-action-list-actions field--type-entity-reference-revisions field--label-hidden field__items">
|
||
<div class="field__item">
|
||
<div class="ssa-inline-action ssa-inline-action--benefit-guidance usa-prose">
|
||
|
||
<h3 class="ssa-inline-action__heading">Paying for healthcare</h3>
|
||
|
||
|
||
<div class="field field--name-field-action-sentence field--type-text-long field--label-hidden field__item"><p>You're eligible to get Medicare at age 65 and the sign-up process for Part A (hospital insurance) and Part B (medical insurance) is completed through us. If you decide to sign up for Part B, the cost will be taken out of your monthly benefit amount. Be sure to plan ahead for that reduction.</p>
|
||
<p><a href="/medicare/plan/when-to-sign-up" target="_blank" data-entity-type="node" data-entity-uuid="88d8974c-414c-43c2-ae70-db99473e4c26" data-entity-substitution="canonical" title="When to sign up for Medicare">Determine when to sign up for Medicare</a></p>
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
<div class="field__item">
|
||
<div class="ssa-inline-action ssa-inline-action--benefit-guidance usa-prose">
|
||
|
||
<h3 class="ssa-inline-action__heading">Withholding taxes from benefit payments</h3>
|
||
|
||
|
||
<div class="field field--name-field-action-sentence field--type-text-long field--label-hidden field__item"><p>You may pay federal income taxes on your benefits if your combined income (50% of your benefit amount plus any other earned income) exceeds $25,000/year filing individually or $32,000/year filing jointly. You can pay the IRS directly or have taxes withheld from your payment.</p>
|
||
<p><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="d44a66e3-83ab-4a22-b16f-ccc4178c532c" href="/manage-benefits/request-withhold-taxes" title="Request to withhold taxes">Request to withhold taxes</a></p>
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
<div class="field__item">
|
||
<div class="ssa-inline-action ssa-inline-action--benefit-guidance usa-prose">
|
||
|
||
<h3 class="ssa-inline-action__heading">Continuing to work</h3>
|
||
<p><p>Before Full Retirement Age (between age 66 and 67), your benefit payment will be temporarily reduced if you earn more than your earnings limit this year. You can work after Full Retirement Age and earn as much as you’d like without reducing your benefit payment.</p>
|
||
</p>
|
||
|
||
|
||
<div class="field field--name-field-toggle field--type-block-field field--label-hidden field__item"><div id="block-fratoggle" data-block-plugin-id="fratoggle" class="block block-ssa-toggles block-fratoggle">
|
||
|
||
|
||
<form id="birthdate_toggle_form--fra" name="birthdate_toggle_form--fra">
|
||
<div id="birthdate_label--fra">Enter your birth date to see your 2025 annual limit</div>
|
||
<div class="js-birthdate_toggle_form grid-row" id="birthdate_toggle_form_fields--fra" role="group" aria-labelledby="birthdate_label--fra">
|
||
<div class="mobile-lg:grid-col mobile-lg:margin-right-1">
|
||
<div class="select-wrapper" for="birth_month--fra">
|
||
<select class="form-select usa-select" name="birth_month" id="birth_month--fra" aria-label="Select your birth month" required="required"><option value="" selected>Select month</option><option value="1">January</option>
|
||
<option value="2">February</option>
|
||
<option value="3">March</option>
|
||
<option value="4">April</option>
|
||
<option value="5">May</option>
|
||
<option value="6">June</option>
|
||
<option value="7">July</option>
|
||
<option value="8">August</option>
|
||
<option value="9">September</option>
|
||
<option value="10">October</option>
|
||
<option value="11">November</option>
|
||
<option value="12">December</option>
|
||
</select>
|
||
</div>
|
||
</div>
|
||
<div class="mobile-lg:grid-col mobile-lg:margin-right-1">
|
||
<div class="select-wrapper">
|
||
<select class="usa-select" name="birth_day" id="birth_day--fra" aria-label="Select your birth day"><option value="" selected>Select day</option> <option value="1">
|
||
1</option>
|
||
<option value="2">
|
||
2</option>
|
||
<option value="3">
|
||
3</option>
|
||
<option value="4">
|
||
4</option>
|
||
<option value="5">
|
||
5</option>
|
||
<option value="6">
|
||
6</option>
|
||
<option value="7">
|
||
7</option>
|
||
<option value="8">
|
||
8</option>
|
||
<option value="9">
|
||
9</option>
|
||
<option value="10">
|
||
10</option>
|
||
<option value="11">
|
||
11</option>
|
||
<option value="12">
|
||
12</option>
|
||
<option value="13">
|
||
13</option>
|
||
<option value="14">
|
||
14</option>
|
||
<option value="15">
|
||
15</option>
|
||
<option value="16">
|
||
16</option>
|
||
<option value="17">
|
||
17</option>
|
||
<option value="18">
|
||
18</option>
|
||
<option value="19">
|
||
19</option>
|
||
<option value="20">
|
||
20</option>
|
||
<option value="21">
|
||
21</option>
|
||
<option value="22">
|
||
22</option>
|
||
<option value="23">
|
||
23</option>
|
||
<option value="24">
|
||
24</option>
|
||
<option value="25">
|
||
25</option>
|
||
<option value="26">
|
||
26</option>
|
||
<option value="27">
|
||
27</option>
|
||
<option value="28">
|
||
28</option>
|
||
<option value="29">
|
||
29</option>
|
||
<option value="30">
|
||
30</option>
|
||
<option value="31">
|
||
31</option>
|
||
</select>
|
||
</div>
|
||
</div>
|
||
|
||
<div class="mobile-lg:grid-col">
|
||
<div class="select-wrapper">
|
||
<select class="usa-select" name="birth_year" id="birth_year--fra" aria-label="Select your birth year" required="required"> <option value="1905">1905</option> <option value="1906">1906</option> <option value="1907">1907</option> <option value="1908">1908</option> <option value="1909">1909</option> <option value="1910">1910</option> <option value="1911">1911</option> <option value="1912">1912</option> <option value="1913">1913</option> <option value="1914">1914</option> <option value="1915">1915</option> <option value="1916">1916</option> <option value="1917">1917</option> <option value="1918">1918</option> <option value="1919">1919</option> <option value="1920">1920</option> <option value="1921">1921</option> <option value="1922">1922</option> <option value="1923">1923</option> <option value="1924">1924</option> <option value="1925">1925</option> <option value="1926">1926</option> <option value="1927">1927</option> <option value="1928">1928</option> <option value="1929">1929</option> <option value="1930">1930</option> <option value="1931">1931</option> <option value="1932">1932</option> <option value="1933">1933</option> <option value="1934">1934</option> <option value="1935">1935</option> <option value="1936">1936</option> <option value="1937">1937</option> <option value="1938">1938</option> <option value="1939">1939</option> <option value="1940">1940</option> <option value="1941">1941</option> <option value="1942">1942</option> <option value="1943">1943</option> <option value="1944">1944</option> <option value="1945">1945</option> <option value="1946">1946</option> <option value="1947">1947</option> <option value="1948">1948</option> <option value="1949">1949</option> <option value="1950">1950</option> <option value="1951">1951</option> <option value="1952">1952</option> <option value="1953">1953</option> <option value="1954">1954</option> <option value="1955">1955</option> <option value="1956">1956</option> <option value="1957">1957</option> <option value="1958">1958</option> <option value="1959">1959</option> <option value="1960">1960</option> <option value="1961">1961</option> <option value="1962">1962</option> <option value="1963">1963</option><option value="" selected>Select year</option> <option value="1964">1964</option> <option value="1965">1965</option> <option value="1966">1966</option> <option value="1967">1967</option> <option value="1968">1968</option> <option value="1969">1969</option> <option value="1970">1970</option> <option value="1971">1971</option> <option value="1972">1972</option> <option value="1973">1973</option> <option value="1974">1974</option> <option value="1975">1975</option> <option value="1976">1976</option> <option value="1977">1977</option> <option value="1978">1978</option> <option value="1979">1979</option> <option value="1980">1980</option> <option value="1981">1981</option> <option value="1982">1982</option> <option value="1983">1983</option> <option value="1984">1984</option> <option value="1985">1985</option> <option value="1986">1986</option> <option value="1987">1987</option> <option value="1988">1988</option> <option value="1989">1989</option> <option value="1990">1990</option> <option value="1991">1991</option> <option value="1992">1992</option> <option value="1993">1993</option> <option value="1994">1994</option> <option value="1995">1995</option> <option value="1996">1996</option> <option value="1997">1997</option> <option value="1998">1998</option> <option value="1999">1999</option> <option value="2000">2000</option> <option value="2001">2001</option> <option value="2002">2002</option> <option value="2003">2003</option> <option value="2004">2004</option> <option value="2005">2005</option> <option value="2006">2006</option> <option value="2007">2007</option> <option value="2008">2008</option> <option value="2009">2009</option> <option value="2010">2010</option> <option value="2011">2011</option> <option value="2012">2012</option> <option value="2013">2013</option> <option value="2014">2014</option> <option value="2015">2015</option> <option value="2016">2016</option> <option value="2017">2017</option> <option value="2018">2018</option> <option value="2019">2019</option> <option value="2020">2020</option> <option value="2021">2021</option> <option value="2022">2022</option> <option value="2023">2023</option> <option value="2024">2024</option> <option value="2025">2025</option> </select>
|
||
</div>
|
||
</div>
|
||
</div>
|
||
|
||
|
||
</form>
|
||
<p class="bdate-toggle-answer" aria-live="polite" aria-atomic="true"></p>
|
||
|
||
</div>
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
<div class="field__item">
|
||
<div class="ssa-inline-action ssa-inline-action--benefit-guidance usa-prose">
|
||
|
||
<h3 class="ssa-inline-action__heading">Knowing your "Full Retirement Age"</h3>
|
||
<p><p>"Full Retirement Age" is a point in time between age 66 and 67, which we use to determine your benefit amount, as well as your family's benefits. Regardless of your Full Retirement Age, your payment will be higher the longer you wait to apply, up until age 70.</p>
|
||
</p>
|
||
|
||
|
||
<div class="field field--name-field-toggle field--type-block-field field--label-hidden field__item"><div id="block-qampadropdown" data-block-plugin-id="qadropdown" class="block block-ssa-ui-components block-qadropdown">
|
||
|
||
|
||
<div class="form-item js-form-item form-type-select js-form-type-select form-item- js-form-item- usa-label">
|
||
<label class="usa-label control-label">Your Full Retirement Age is</label>
|
||
|
||
|
||
<div class="select-wrapper">
|
||
|
||
|
||
<select class="ssa-q-a__dropdown form-select usa-select" id="ssa-q-a__dropdown">
|
||
<option
|
||
value="">*Select your birth year</option>
|
||
<option
|
||
value="201">After 1960</option>
|
||
<option
|
||
value="206">1960</option>
|
||
<option
|
||
value="211">1959</option>
|
||
<option
|
||
value="216">1958</option>
|
||
<option
|
||
value="221">1957</option>
|
||
<option
|
||
value="226">1956</option>
|
||
<option
|
||
value="231">1955</option>
|
||
<option
|
||
value="236">1943 - 1954</option>
|
||
</select>
|
||
|
||
</div>
|
||
|
||
|
||
|
||
|
||
|
||
<div class="description help-block">
|
||
*If you were born Jan 1st, select the year before your birth year
|
||
</div>
|
||
</div>
|
||
<p class="qadropdown-answer" aria-live="polite" aria-atomic="true"></p>
|
||
|
||
</div>
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
</div>
|
||
|
||
</div>
|
||
<div class="paragraph paragraph--type--inline-action-list paragraph--view-mode--default ssa-inline-action-list usa-prose">
|
||
<h2 class="ssa-inline-action-list__heading">When to apply</h2>
|
||
|
||
|
||
<div class="field field--name-field-inline-action-list-actions field--type-entity-reference-revisions field--label-hidden field__items">
|
||
<div class="field__item">
|
||
<div class="ssa-inline-action ssa-inline-action--benefit-guidance usa-prose">
|
||
|
||
<h3 class="ssa-inline-action__heading">Timing your first benefit payment</h3>
|
||
|
||
|
||
<div class="field field--name-field-action-sentence field--type-text-long field--label-hidden field__item"><p>You can time your first benefit payment to avoid a gap in income. Your first check won't arrive until the month after the one you pick in your application. You can apply any time up to four months before the month you pick.</p>
|
||
<p>For example, you want your first check in April. Follow this timing:</p>
|
||
<ul>
|
||
<li>Apply in November, December, January, February, or March</li>
|
||
<li>Pick March in the application</li>
|
||
<li>Get the first check in April</li>
|
||
</ul>
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
<div class="field__item">
|
||
<div class="ssa-inline-action ssa-inline-action--benefit-guidance usa-prose">
|
||
|
||
<h3 class="ssa-inline-action__heading">Getting the maximum amount because of a current or former spouse's work</h3>
|
||
|
||
|
||
<div class="field field--name-field-action-sentence field--type-text-long field--label-hidden field__item"><p>If you’re eligible because of a spouse’s work, the amount is at its highest at your “Full Retirement Age" (between 66 and 67). It doesn’t increase if you wait and apply after that time. If your spouse has passed away, you may be eligible for Survivor benefits starting at age 60, or at age 50 if you are disabled.</p>
|
||
<p>Learn more about <a href="/family" data-entity-type="node" data-entity-uuid="b38a5114-0780-451e-bfd2-77716b1c6576" data-entity-substitution="canonical" title="Family benefits">Spouse</a> and <a href="/survivor" data-entity-type="node" data-entity-uuid="2c0ea064-6dcd-48f7-9ab1-389c32da5b52" data-entity-substitution="canonical" title="Survivor benefits">Survivor</a> benefits.</p>
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
</div>
|
||
|
||
</div>
|
||
<div class="paragraph paragraph--type--inline-action-list paragraph--view-mode--default ssa-inline-action-list usa-prose">
|
||
<h2 class="ssa-inline-action-list__heading">Jobs with specific rules</h2>
|
||
|
||
|
||
<div class="field field--name-field-inline-action-list-actions field--type-entity-reference-revisions field--label-hidden field__items">
|
||
<div class="field__item">
|
||
<div class="ssa-inline-action ssa-inline-action--benefit-guidance usa-prose">
|
||
|
||
<h3 class="ssa-inline-action__heading">Pensions and work abroad no longer reduce benefits</h3>
|
||
|
||
|
||
<div class="field field--name-field-action-sentence field--type-text-long field--label-hidden field__item"><p>As of January 2024, we won’t reduce your benefits because of pensions from jobs that didn’t pay into Social Security.</p>
|
||
<p><a href="/prepare/government-and-foreign-pensions" data-entity-type="node" data-entity-uuid="dbe1e6a0-2a45-4235-8eb3-738bf0df1332" data-entity-substitution="canonical" title="Pensions and work abroad won’t reduce benefits">Learn more about this change</a></p>
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
<div class="field__item">
|
||
<div class="ssa-inline-action ssa-inline-action--benefit-guidance usa-prose">
|
||
|
||
<h3 class="ssa-inline-action__heading">Specific types of earnings</h3>
|
||
|
||
|
||
<div class="field field--name-field-action-sentence field--type-text-long field--label-hidden field__item"><p>While Social Security earnings are calculated the same way for most jobs, there are some types of earnings with additional rules, including farm work, government and military work, railroad work, self-employment, and others.</p>
|
||
<p><a data-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="97e64314-a2cf-475b-b584-4512eda366b2" href="/prepare/special-earnings" title="Jobs with specific earnings rules">See if your job has any specific rules</a></p>
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
<div class="field__item">
|
||
<div class="ssa-inline-action ssa-inline-action--benefit-guidance usa-prose">
|
||
|
||
<h3 class="ssa-inline-action__heading"></h3>
|
||
<div>
|
||
<a
|
||
href="/apply?benefits=retirement&age=adult"
|
||
class="usa-button" data-cta="button" data-location="body"
|
||
>Learn how to apply
|
||
</a>
|
||
</div>
|
||
|
||
</div>
|
||
|
||
</div>
|
||
</div>
|
||
|
||
</div>
|
||
</div>
|
||
</section>
|
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</div>
|
||
|
||
</article>
|
||
|
||
</div>
|
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<div id="block-medalliaembed" data-block-plugin-id="block_content:2cb81b7f-1379-43d6-b3c6-15c43d4cc14f" class="block block-block-content block-block-content2cb81b7f-1379-43d6-b3c6-15c43d4cc14f">
|
||
|
||
|
||
|
||
|
||
<div class="field field--name-body field--type-text-with-summary field--label-hidden field__item"><div id="medallia-embed"></div></div>
|
||
|
||
</div>
|
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</div>
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</main>
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<footer class="usa-footer usa-footer--big" id="footer" role="contentinfo" tabindex="-1">
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<a href="#" data-cta="text" data-location="body">Return to top</a>
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<div class="grid-container">
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</div>
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<div class="grid-container">
|
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<div class="grid-row grid-gap-4">
|
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<div class="desktop:grid-col-12">
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<div>
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<div class="tablet:grid-col-12">
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<nav class="usa-footer__nav">
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<div class="grid-row grid-gap-6">
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<h4 class="usa-footer__primary-link">Support</h4>
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|
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<a href="https://www.ssa.gov/agency/contact/">Contact us</a>
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<a href="https://www.ssa.gov/locator/">Find an office</a>
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|
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<a href="https://secure.ssa.gov/pfrf/home">Report fraud</a>
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<a href="/es">Español</a>
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<a href="https://www.ssa.gov/agency/plain-language">Plain language</a>
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</div>
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<div class="grid-col-12 desktop:grid-col-auto">
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<section class="usa-footer__primary-content usa-footer__primary-content--collapsible">
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<h4 class="usa-footer__primary-link">Services for</h4>
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<li class="usa-footer__secondary-link">
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<a href="https://www.ssa.gov/employer/">Employers & businesses</a>
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</li>
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<li class="usa-footer__secondary-link">
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<a href="/about-ssa/agency-resources#representatives">Representatives</a>
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<a href="/about-ssa/agency-resources#government-agencies">Government agencies</a>
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</li>
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<li class="usa-footer__secondary-link">
|
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<a href="/about-ssa/agency-resources#other-groups">Other groups</a>
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</li>
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|
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</ul>
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</section>
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</div>
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<div class="grid-col-12 desktop:grid-col-auto">
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<section class="usa-footer__primary-content usa-footer__primary-content--collapsible">
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<h4 class="usa-footer__primary-link">About</h4>
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<ul class="usa-list usa-list--unstyled">
|
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|
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|
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|
||
|
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<li class="usa-footer__secondary-link">
|
||
<a href="/about-ssa">About Social Security</a>
|
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</li>
|
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<li class="usa-footer__secondary-link">
|
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<a href="/about-ssa/agency-resources#communications">Communications</a>
|
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<a href="https://www.ssa.gov/careers/">Careers</a>
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<a href="/about-ssa/agency-resources#initiatives">Initiatives</a>
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<a href="/about-ssa/agency-resources#research-policy">Research & policy</a>
|
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<li class="usa-footer__secondary-link">
|
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<a href="https://www.ssa.gov/finance/">Financial reports</a>
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</div>
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</div>
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</div>
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</div>
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</div>
|
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</div>
|
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|
||
</div>
|
||
|
||
<div class="usa-identifier">
|
||
<section class="usa-identifier__section usa-identifier__section--masthead" aria-label="Agency identifier">
|
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<div class="usa-identifier__container">
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<div class="usa-identifier__logos">
|
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<a class="usa-identifier__logo" href="https://ssa.gov">
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<img class="usa-identifier__logo-img"
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src="/themes/custom/ssa_core/logo.svg"
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alt="Agency logo">
|
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</a>
|
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<p class="usa-identifier__identity-domain">SSA.gov</p>
|
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<div class="usa-identifier__identity-disclaimer">
|
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<p>
|
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<strong>An official website of the Social Security Administration.</strong>
|
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</p>
|
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</div>
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</div>
|
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<div id="block-socialmedialinks" data-block-plugin-id="social_media_links_block" class="block-social-media-links block block-social-media-links-block">
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<ul class="social-media-links--platforms platforms inline horizontal">
|
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<li>
|
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<a class="social-media-link-icon--facebook" href="https://www.facebook.com/socialsecurity" target="_blank" aria-label="Social Security on Facebook" title="Social Security on Facebook" >
|
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<img src="/themes/custom/ssa_core/assets/img/ssa/facebook-brands.svg" alt="" />
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</a>
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</li>
|
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<li>
|
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<a class="social-media-link-icon--twitter" href="https://x.com/socialsecurity" target="_blank" aria-label="Social Security on Twitter" title="Social Security on Twitter" >
|
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<img src="/themes/custom/ssa_core/assets/img/ssa/x-twitter-brands.svg" alt="" />
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</a>
|
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</li>
|
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<li>
|
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<a class="social-media-link-icon--youtube" href="https://www.youtube.com/user/socialsecurityonline" target="_blank" aria-label="Social Security on Youtube" title="Social Security on Youtube" >
|
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<img src="/themes/custom/ssa_core/assets/img/ssa/youtube-brands.svg" alt="" />
|
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|
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</a>
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|
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<li>
|
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<a class="social-media-link-icon--instagram" href="https://www.instagram.com/socialsecurity" target="_blank" aria-label="Social Security on Instagram" title="Social Security on Instagram" >
|
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<img src="/themes/custom/ssa_core/assets/img/ssa/instagram-brands.svg" alt="" />
|
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</a>
|
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</li>
|
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<li>
|
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<a class="social-media-link-icon--linkedin" href="https://www.linkedin.com/company/ssa" target="_blank" aria-label="Social Security on LinkedIn" title="Social Security on LinkedIn" >
|
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<img src="/themes/custom/ssa_core/assets/img/ssa/linkedin-brands.svg" alt="" />
|
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|
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</a>
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