How Can Social Security Be Claimed in Crown Point?

How Can Social Security Be Claimed in Crown Point?

Claiming Social Security benefits is something that nearly all adults do upon reaching retirement age. But did you know that there are a number of other ways that you can claim Social Security benefits, rather than just waiting until you reach full retirement age? Consider what you need to know about the different ways that Social Security can be claimed in Crown Point:

From Your Own Record…

One way that you can claim Social Security benefits, including both retirement and disability benefits, is from your own record. In order to claim either of these benefit types, you must have worked long enough under Social Security to have earned a sufficient number of work credits. In order to retire, you must have earned 40 work credits; the number of work credits that you need to claim disability benefits depends on the age at which you become disabled.

  • Retirement benefits. You will receive 100 percent of your benefit amount if you wait until your full retirement age to start claiming benefits. However, you may start claiming benefits as early as age 62, or as late as age 70. The longer you wait, the greater your monthly benefit amount will be.
  • Disability benefits. You can receive this benefit type if you have a qualifying disability, cannot work as a result, and have enough earned work credits.

From the Record of Your Spouse….

You are allowed to claim benefits from the record of your spouse, even if you have no earned work credits under Social Security if you are at least 62 years old and if your spouse is eligible for retirement/disability benefits. If you are eligible for retirement benefits from your own record, then your benefits will be paid first. If your benefit is greater on your spouse’s record, then you will be paid a combination of benefits equaling the higher spouse benefit.

From the Record of Your Ex-Spouse….

You can also claim benefits from the record of your ex-spouse in certain cases. This is the case if you are divorced and:

  • Your marriage lasted at least 10 years;
  • You are at least 62 years old;
  • You have not remarried;
  • Your ex-spouse is entitled to disability or/and retirement benefits; and
  • The Social Security benefit amount that you would receive on your own record is less than that which you would receive on the record of your spouse.

From the Record of a Deceased Parent, Child, or Spouse…

Another way to claim Social Security benefits is from the record of a deceased parent or deceased spouse. Dependent parents may also receive benefits from the record of a deceased child. These types of benefits are called survivors’ benefits, and act as a form of life insurance when a working person dies.

Learn More About Available Benefit Types

There are multiple ways to claim Social Security benefits, and which type you should claim, when you should start claiming, and how to maximize your benefit amount can all be confusing questions with answers that are less than straightforward. If you want to learn more about benefit types, attend a free Social Security workshop near Crown Point hosted by Harvest Social Security QA. We are here to answer all of your questions.

No Charge to Attend! Seating is limited, so sign up today!

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Harvest Social Security QA 930 W. US-30
Schererville, IN 46375
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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Harvest Financial Planning, LLC to provide information on a topic that may be of interest. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.  Harvest Financial Planning, LLC Is Not Associated With The Social Security Administration Or Any Government Agency.