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The Tips On How To Get Approval For Social Security Benefits
Before you apply for Social Security benefits, you should review the Social Security website to determine what types of benefits are offered and which you may qualify for.
Social Security was basically created to impart retirement benefits to workforce, but the program is continuing to grow tremendously and now Social Security provides disability benefits, death benefits and many other family benefits over and above retirement benefits.
To determine what Social Security benefits you may be eligible for, Social Security offers the BEST testing tool. With this tool you can figure out whether you are entitled to Medicare, Social Security incapacitation, Social Security retirement, survivor benefits, special veterans benefits, or supplemental security income (SSI). Be prepared to answer questions such as your date of birth, how much you have earned during your employment as well as some info regarding your personal finances. This information is essential to determine what benefits (if any) you may be qualified to receive.
Once you've determined what benefits you may qualify for, how do you apply for Social Security benefits?
The Social Security administration provides several ways to submit an application for Social Security. You can try online at ssa.gov, by going to your local Social Security office, or simply by calling the SSA at 1-800-772-1213.
The online Social Security application may be used to apply for retirement or spousal benefits, or to apply for Medicare. To apply for retirement benefits you must be at least 61 years and 9 months old. You must also look forward to starting your benefits within the next four months. Finally you have to reside in the USA (or territories) to make use of the online application. If you are close to age 65, you will apply for Medicare at the same time that you apply for Social Security retirement benefits.
When applying for benefits, you will be asked many questions regarding your age, your work history along with personal finance data. You will require the following documents accessible before you start the online application:
- Your birth record
- Your citizenship or the naturalization papers (if applicable)
- your military service papers (if applicable)
- your W-2 forms or self employment tax return for the last tax year.
In addition, you should be prepared to provide the following information:
- your birth-date with place of birth
- your Social security identification number
- your bank-account and routing number (in case you are requesting direct deposit for the benefits)
- the amount of money you earned the last two years, including your employer's name and address
- information about your military service
- information about your current and any former spouses, including name, Social Security number and date of birth (or age in case you don't know the birth-date)
- your income history in the most recent Social Security statement
In case you are applying for Social Security retirement benefits, you must carefully decide the right time to apply. While you can collect Social Security retirement benefits as early as age 62, that may not be the best time to apply. Your benefits will vary substantially based on when you apply, or your decision on when to apply could affect your family.
If you want to have an idea how much you can expect to earn from Social Security, however you are not ready to apply for benefits now, the Social Security website offers several calculators to help you estimate your retirement benefit.
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