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How To Apply For Retirement Benefits Online

How Do I Apply For Supplemental Security Income

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SSI is an income assistance program administered by the SSA for people who are elderly , blind, or disabled or whose income follows these guidelines: . For the most current information on SSI requirements, please call the SSA at 1-800-772-1213 or visit . You can generally expect an answer on whether you are eligible for SSI within two to six months.

Should I Sign Up For Medical Insurance

With our online application, you can sign up for Medicare Part A and Part B. Because you must pay a premium for Part B coverage, you can turn it down.

If youre eligible at age 65, your Initial Enrollment Period begins three months before your 65th birthday, includes the month you turn age 65, and ends three months after that birthday.

Note: Important Upcoming Change Rules for 2023 and later: If you accept the automatic enrollment in Medicare Part B or if you sign up during the first three months of your IEP, your coverage will start the month youre first eligible. Beginning January 1, 2023, if you sign up during the month you turn 65 or during the last three months of your IEP, your coverage starts the first day of the month after you sign up.

The following chart shows when your Medicare Part B becomes effective in 2022:

In 2022, if you sign up during this month of your IEP Your Part B Medicare coverage starts
One to three months before you reach age 65 The month you turn age 65.
The month you reach age 65 One month after the month you turn age 65.
One month after you reach age 65 Two months after the month of enrollment.
Two or three months after you reach age 65 Three months after the month of enrollment.

The following chart shows when your Medicare Part B becomes effective in 2023:

What Is A Social Security Card

Your Social Security card is an important piece of identification. You’ll need one to get a job, collect Social Security, or receive other government benefits.

When you apply for a Social Security number , the Social Security Administration will assign you a nine-digit number. This is the same number that is printed on the Social Security card that SSA will issue you. If you change your name, you will need to get a corrected card.

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Make Sure You Qualify

To qualify for your Canada Pension Plan retirement pension, you must:

  • be at least 60 years old
  • have made at least one valid contribution to the CPP

Valid contributions can be either from work you did in Canada, or as the result of receiving credits from a former spouse or former common-law partner at the end of the relationship.

If you live in Quebec and you have made contributions to both the CPP and the QPP, you must apply to the QPP to request your retirement pension.

If You Don’t Have All Of The Documents

How to Check SSS Retirement Status Application Online

Even if you don’t have everything, don’t delay applying for Social Security retirement benefits. You can provide the missing documents later. We may be able to help you get them.

In many cases, your local Social Security office can contact your state Bureau of Vital Statistics and verify your information online at no cost to you or find other ways to get the information we need.

If you delay signing up, you could lose some benefits you may be due.

Also Check: When Should You Take Your Social Security Retirement Benefits

After You Submit Your Application

We’ll send you an acknowledgment letter after we receive your retirement application. We may also contact you if we have questions or need additional information.

Approximately two weeks before your first retirement warrant, weâll mail you a First Payment Acknowledgment Letter that provides important information about your service retirement, including the date and amount of your first retirement check.

You may sign up to receive your retirement checks through direct deposit at the same time you submit your retirement application. To set up direct deposit online, log in to myCalPERS. Go to the Retirement tab and select Payment Options. Alternatively, you can complete and mail the Direct Deposit Authorization to:

CalPERS Benefit Services Division

Apply For Benefits Online

You should apply for disability benefits as soon as you develop a disability. Follow these easy steps to apply online for disability:

  • To start your application, go to our Apply for Benefits page, and read and agree to the Terms of Service. Click Next.
  • On that page, review the Getting Ready section to make sure you have the information you need to apply.
  • Select Start A New Application.
  • We will ask a few questions about who is filling out the application.
  • You will then sign in to your personal mySocial Security account, or you will be prompted to create one.
  • Complete the application.

You can use the online application to apply for disability benefits if you:

  • Are age 18 or older.
  • Are not currently receiving benefits on your own Social Security record.
  • Are unable to work because of a medical condition that is expected to last at least 12 months or result in death.
  • Have not been denied for disability in the last 60 days.
  • Note: If your application was recently denied, our application is a starting point to request a review of the determination we made.

You may be able to file online for SSI at the same time that you file for SSDI benefits. Once you complete the online process described above, a Social Security representative will contact you if we need additional information.

Also Check: What Is Social Security Disability Benefits

Required Forms For Applying For Service Retirement

You must apply for service retirement benefits before your PEERS retirement date by filing the Service Retirement Application and other required forms listed below. You need the free Adobe® Reader®to view these forms.

You can print these forms below, or contact us to receive copies by mail. We will acknowledge receipt of your forms.

Effect Of Delaying Retirement Benefits

Social Security Spousal Benefits Simplified

1Represents Full Retirement Age based on DOB January 2, 1960

2PIA = The primary insurance amount is the basis for benefits that are paid to an individual

That higher baseline would last for the rest of your retirement and serve as the basis for future increases linked to inflation. While its important to consider your personal circumstancesâits not always possible to wait, particularly if you are in poor health or cant afford to delayâthe benefits of waiting can be significant.

Be aware that if you decide to wait past age 65, you may still need to sign up for Medicare. In some circumstances your Medicare coverage may be delayed and cost more if you dont sign up at age 65. If you start Social Security benefits early, youll automatically be enrolled into Medicare Parts A and B when you turn age 65.

Your annual Social Security statement will list your projected benefits between age 62 to 70, assuming you continue to work and earn about the same amount through those ages. If you need a copy of your annual statement, you can request one or view it online on the Social Security Administration portal.

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How Long Will It Take To Process My Federal Retirement Application

It takes around 60 days to process applications for common cases.

Your application could take longer if:

  • We need additional information from you or your former employing agency
  • Your retirement claim has special circumstances, like applying under disability provisions, a specific retirement law , or evaluating a court order
  • We need to contact you to make a benefit election, like a service credit deposit
  • We need to contact another agency, like the Social Security Administration, if a benefit from them impacts your claim

Documents You May Need To Provide

We may ask you to provide documents to show that you are eligible, such as:

  • Birth certificate or other proof of birth
  • Proof of U.S. citizenship or lawful alien status if you were not born in the United States
  • U.S. military discharge paper if you had military service before 1968
  • W-2 forms and/or self-employment tax returns for last year
  • An Adult Disability Report that collects more details about your illnesses, injuries or conditions, and your work history
  • Medical evidence already in your possession. This includes medical records, doctors reports, and recent test results and
  • Award letters, pay stubs, settlement agreements or other proof of any temporary or permanent workers compensation-type benefits you received .

Important

We accept photocopies of W-2 forms, self-employment tax returns or medical documents, but we must see the original of most other documents, such as your birth certificate.

Do not delay applying for benefits because you do not have all the documents. We will help you get them.

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If Im 65 And Older And Get Health Insurance From Work Do I Have To Enroll In Medicare

No. If youre still working, your company employs more than 20 people and you have work-based health insurance, you do not need to enroll in Medicare until your existing health insurance expires. When you stop working or your employer discontinues its group insurance plan, you have eight months to sign up for Medicare, regardless of whether you have COBRA or another health insurance plan.

If you do enroll in Medicare and also have work-based insurance, your work insurance will pay first and Medicare will pay second.

If you work for a company that employs fewer than 20 people, youll need to contact your companys HR department for the specifics of your health insurance program. Its likely that you can delay Medicare enrollment, but some employers require that people 65 and older must enroll in Medicare to receive company health insurance benefits.

For these smaller companies with less employees, Medicare pays first, and work-based insurance pays second.

If you turn 65 and dont have work-based health insurance, youll need to enroll in Medicare within your seven-month initial enrollment period or pay a penalty that will make your premium more expensive.

If you want to completely opt out of Medicare Part A, it is possible, but youll have to give up your Social Security benefits entirely, and pay back any benefits that youve already received.

Applying For Retirement Benefits

How to Check SSS Retirement Status Application Online

This section explains what you need to know to apply for your retirement benefits. It describes the documents and forms you must provide before you can receive benefits and how to choose your pension effective date. The following section, How Retirement Benefits are Paid, explains how benefits are paid and how to choose your payment options.

Important Topics

Receiving Plan Benefits

This section explains the process of retiring from work and applying for benefits. It tells you what you need to know when choosing a pension effective date and deciding how your retirement benefits are paid.

The Plan offers three types of retirement benefits:

  • Early retirement benefits
  • Disability retirement benefits
  • Normal retirement benefits

The shaded box below summarizes what you must do to begin receiving each type of retirement benefit.

Before you can start receiving benefits:

  • You must meet all eligibility requirements, and
  • You must retire from employment , and
  • You must apply for benefits with your Administrative Office, and
  • The Trustees must approve your application.
  • Retirement From Employment

    In addition to meeting all of the eligibility requirements for an early retirement benefit, you must be considered retired from employment. This means you must meet all of the following requirements:

  • You must stop working in covered employment for all covered employers under the Plan, and
  • Retirement Benefits
    Early Retirement BenefitsBefore Age 65

    How to Apply for Benefits

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    Retirement And Spousal Benefits

    Youll need to provide an array of personal and work information, including:

    • Your date and place of birth.
    • Start and stop dates for jobs held in the past two years .
    • Military service, if applicable.
    • The routing number of the bank where you want Social Security to deposit your payment, and the number and type of your account.

    Social Security provides a complete checklist of what youll need for your application.

    When you can file: The minimum age to apply for both retirement and spouse benefits is 62, but monthly payments are higher if you wait longer.

    Where to file:Online, by phone or in person.

    What Happens When You Withdraw Your Application

    There are a few things to know before deciding to withdraw your application.

    • Anyone else who receives benefits based on your application must consent in writing to the withdrawal.
    • You must repay all the benefits you and your family received from your retirement application. This includes:
      • Benefits your spouse or children received, whether they live with you or not.
      • Money withheld from your Social Security retirement checks for:
        • Medicare Part B, Part C, and Part D premiums.
        • Voluntary tax withholding of federal income taxes for closed tax years. Contact the Internal Revenue Service or your tax advisor about any tax implications.
    • If you are already entitled to Medicare, you may choose to also withdraw your Medicare coverage.
    • If you are also entitled to railroad or veterans benefits, you should check with the Railroad Retirement Board and the Department of Veterans Affairs about how your withdrawal affects those benefits. The RRB and the VA make their own determinations and are responsible for their own programs.

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    How To Withdraw Your Application

  • Fill out Social Security Form SSA-521. Include the reason why you want to withdraw the application on the form. If you already have Medicare, your request must also clearly state whether your Medicare coverage should or should not be included in the withdrawal.
  • Send the completed form to your local Social Security office. We will notify you when there is a decision about your request and let you know the amount of benefits you need to repay.
  • You have 60 days to cancel an approved withdrawal. After that, you will lose any possible entitlement for the period covered by your original application.

    How To Stop Social Security Check Payments

    VA Benefits with 50% Service-Connected Disability | VA Disability | theSITREP

    The SSA can not pay benefits for the month of a recipients death. That means if the person died in July, the check received in August must be returned. Find out how to return a check to the SSA.

    If the payment is by direct deposit, notify the financial institution as soon as possible so it can return any payments received after death. For more about the requirement to return benefits for the month of a beneficiarys death, see the top of page 11 of this SSA publication.

    Family members may be eligible for Social Security survivors benefits when a person getting benefits dies. Visit the SSA’s Survivors Benefits page to learn more.

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    Calculate The Best Time To Start Social Security

    If you are confused about when to start, you can use the Social Security Explorer part of the NewRetirement Retirement Planner to compare your monthly income and maximum lifetime payout at different ages.

    Or, you might consider the following rules of thumb:

    • Take Early: The only people who should consider taking their Social Security early are those who absolutely need the money immediately, or those who do not expect to live for very long, due to illness
    • Take at Full Retirement Age: Should you have reason to believe that you will not live past the age of 80, then generally speaking you will maximize your social security benefits if you take them when you reach your Full Retirement Age.
    • Wait as Long as Possible: On the other hand, if you are confident that you will live past the age of 80 or 85, then most experts recommend that you defer your social security for as long as you can , so as to maximize the benefits you receive from it.
    • Other: If you have dependent children, the additional benefits you receive for them might make filing when you are younger worthwhile.

    It can also be a very good idea to have an overall retirement plan before you decide when to start your Social Security benefits. The NewRetirement Retirement Planner can help you assess all of your sources of retirement income and whether or not you will have enough to cover your expenses. This tool was recently named a best retirement calculator by the American Association of Individual Investors .

    How To Receive Federal Benefits

    To begin receiving your federal benefits, like Social Security or veterans benefits, you must sign up for electronic payments with direct deposit.

    If You Have a Bank or Credit Union Account:

    • Call the Go Direct Helpline at .

    If You Don’t have a Bank or Credit Union Account:

    Make Changes to an Existing Direct Deposit Account:

    On Go Direct’s FAQ page, learn how to make changes to an existing direct deposit account. You also may contact the federal agency that pays your benefit for help with your enrollment.

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    Do We Pay Death Benefits

    A one-time lump-sum death payment of $255 can be paid to the surviving spouse if they were living with the deceased. If living apart, they were receiving certain Social Security benefits on the deceaseds record.

    If there is no surviving spouse, the payment is made to a child who is eligible for benefits on the deceaseds record in the month of death.

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