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:
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.
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.
You can also claim benefits from the record of your ex-spouse in certain cases. This is the case if you are divorced and:
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.
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.
How did we do?
Note: Your review may be shared publicly.