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Question: What are the benefits of using direct deposit or electronic payments? Answer: Its safe; Its secure; Its convenient; Your checks will not get lost in the mail; You choose the account where your payment is deposited; and You will get your benefits on time, even if youre out of town or unable to get to the bank. With few exceptions, nowadays, if you sign up for benefits, you must get your payments electronically. If you dont have a bank account, you can use the Direct Express prepaid debit card to get Social Security and Supplemental Security Income (SSI) payments deposited directly into your account. Go to www.godirect.org. Question: Whats the easiest way to apply for retirement benefits? Answer: The easiest way to apply for retirement benefits is online at www.socialsecurity.gov/ applyonline. Its easy and secure. You can complete it in as little as 15 minutes. In most cases, once your application is submitted electronically, youre done. There are no forms to sign and usually no documentation is required. Social Security will process your application and contact you if we need more information. You also can apply by calling our toll-free number, 1-800-7721213 (TTY 1-800-325-0778), between 7 a.m. and 7 p.m., Monday through Friday. Our representatives will make an appointment to take your application over the telephone or at a local Social Security office. Question: I need proof of my Social Security income. Can I get verification online? Answer: Yes! And the best way to get a benefit verification letter is by using a my Social Security account. Your personal my Social Security account is a convenient and secure way for you to check your benefit and payment information, change your address, phone number, and direct deposit information, and to get your benefit verification letter. You can use your benefit verification letter to verify your income, retirement or disability status, Medicare eligibility, and age. When you use my Social Security to get it, you can request which information you would like included in the letter. Learn more, use my Social Security, and get your benefit verification letter now at www.socialsecurity. gov/myaccount.
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Change your address and phone number, if you receive monthly Social Security benefits; Sign-up for direct deposit of Social Security benefits; Use our benefit planners to help you better understand your Social Security options as you plan for your financial future; Request a replacement Medicare card; and Apply for Extra Help with
your Medicare prescription drug costs. Looking for more Social Security information? Go online to find out almost anything you need to know about the Social Security program. Information is available on subjects ranging from how to get a Social Security number for a newborn to returning to work while receiving disability benefits. Heres another tip: going online is good for the planet. It saves more than just your time it also saves paper, emissions, and energy. If you need to reach us by phone, you can call us tollfree at 1-800-772-1213. We treat all calls confidentially.
We can answer specific questions from 7 a.m. to 7 p.m., Monday through Friday. Generally, youll have a shorter wait time if you call during the week after Tuesday. We can provide information by automated phone service 24 hours a day. (You can use our automated response system to tell us a new address or request a replacement Medicare card.) If you are deaf or hard of hearing, you may call our TTY number, 1-800-325-0778. No matter how you choose to contact us, Social Security is here to assist you. We encourage you to give our website a try. Youll get fast, convenient service by going to www.socialsecurity.gov
You (and a guest) are invited to join us for an educational workshop. A new generation is getting ready to collect Social Security. Find out what you need to know to make the most of your retirement benefits.
Date: Wednesday, August 21st, 2013 Time: 6:00 pm Location: Hilton Garden Inn 700 Lindsey Blvd. Idaho Falls Presented by: Shane Hill, AAMS, AWMA Financial Advisor Assistant Vice PresidentInvestments
Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company.
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Young workers,
By Michael Webb Social Security some extra money for the school year to come, there is one question that is likely to hit you when you see your first pay stub: What is the FICA, and why is my paycheck less because of it? Generally, employers are required to withhold Social Security and Medicare tax from a workers paycheck. Your employer matches the amounts you pay in Social Security and Medicare taxes. Usually the money we withhold
elcome to the workforce, new workers! Whether youre beginning the career of a lifetime or just earning
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ow is a great time to reflect on your family and how to make it stronger. As the U.S. Department of Health and Human Services reminds us, strong families share many valuable qualities: trust, commitment, communication, growth, affection, fun and love. Strong families are more likely to grow through a crisis, allowing the difficult experience to bring them even closer together. In the unfortunate event of a family members death, we want you to know that Social Security is here to help. In addition to the emotional difficulty family members experience, there is often a financial burden as well, especially if the familys main wage earner dies. In such cases, Social Security survivors benefits will help. Did you know that nearly every child in America could get Social Security survivors benefits if a working parent dies? And Social Security pays more benefits to children than any other federal program. Although many people think Social Security is just a retirement program, you should know that Social Security also provides survivors insurance benefits for workers and their families. If youre like most people, the value of the survivors insurance you have under Social Security is probably more than the value of any
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individual life insurance you may own. And you dont even need to sign up for a separate policy; by working and paying Social Security tax, you are most likely already insured without even knowing it. Family members who may be able to receive survivors benefits based on your work record include a widow or widower, unmarried children up to age 19 and still in high school, and under certain circumstances, stepchildren, grandchildren, stepgrandchildren, adopted children, and dependent parents. If youd like to learn more about survivors benefits, and how to apply, you should read our publication, Survivors Benefits, available at www.socialsecurity.gov/pubs. You can find additional useful information, such as our survivors planner and information about how to apply for survivors benefits, at www.socialsecurity.gov/pgm/survivors. htm.
Ameriprise Financial Services, Inc. Member FINRA and SIPC. 2013 Ameriprise Financial, Inc. All rightsreserved.
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he Social Security program treats all workers men and women exactly the same in terms of the benefits they can receive. But women may want to familiarize themselves with what the program means to them in their particular circumstances. Understanding the benefits may mean the difference between living more comfortably versus just getting by in retirement. One of the most significant things women need to remember about Social Security is the importance of promptly reporting a name change. If you havent told us of a name change, your W-2 may not match the information in Social Securitys records and this could affect the amount of your future benefits. Not changing your name with Social Security also can delay your federal income tax refund. To report a name change, please fill out an Application for a Social Security Card (Form SS5). You can get the form by visiting www.socialsecurity. gov, or any Social Security
office or card center, or by calling Social Securitys tollfree number, 1-800-772-1213 (TTY 1-800-325-0778). You must show us certain identity documents, including one recently issued to prove your legal name change. If expanding your family is in your plans, its a good idea to apply for a Social Security number for your baby in the hospital, at the same time that you apply for your babys birth certificate. Social Security will mail the card to you. If you wait, you must then separately provide evidence of your childs age, identity, and U.S. citizenship status, as well as proof of your identity. Then, we must verify your childs birth record, which can add 12 weeks to the time it takes to issue a card. When women start receiving Social Security retirement or disability benefits, other family members may be eligible for payments as well. For example, benefits can be paid to a husband: If he is age 62 or older; or At any age, if he is caring for your child (the child must be younger than 16 or disabled and receiving Social Security benefits on your record). Benefits also can be paid to unmarried children if they are: Younger than age 18; Between 18 and 19 years old, but in elementary or secondary school as fulltime students; or Age 18 or older and severely disabled (the disability must have started before age 22). The family of a woman who dies may be eligible for survivors benefits based on her work. For more information about women and Social Security, ask for the publication, What Every Woman Should Know (SSA Publication No. 05-10127) or visit our special Womens page online at www.socialsecurity. gov/women.
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Question: Im trying to figure out how much I need to save for my retirement. Does the government offer any help with financial education? Answer: Yes. For starters, you may want to find out what you can expect from Social Security with a visit to Social Securitys Retirement Estimator at www.socialsecurity. gov/estimator. The Financial Literacy and Education Commission has a website that can key you in on the basics of financial education: www.mymoney.gov. Finally, youll want to check out the Consumer Financial Protection Bureau, which offers educational information on a number of financial matters, including mortgages, credit cards, retirement, and other big decisions. Visit the Consumer Financial Protection Bureau at www.consumerfinance.gov. Question: I need to get something from Social Security to verify my income. How can I do that? Answer: We provide three types of income proof: 1. A Benefit Verification Letter shows your monthly benefit amount. You can get your Benefit Verification Letter online at www.socialsecurity.gov/myaccount. It often is used as official proof of income to: Apply for a loan; Give to a landlord; Obtain housing assistance, or other state or local benefits; Verify Medicare coverage; or Verify retirement status, disability, or age. 2. An SSA-1099 shows your annual income for income tax purposes. We mail the SSA-1099 by January 31 each year. You can request an SSA-1099 online, or you can call us at 1-800-7721213 (TTY 1-800-325-0778) between 7 a.m. to 7 p.m., Monday through Friday, or visit a local office. Go to www.socialsecurity.gov to locate the office nearest you. 3. An annual cost-of-living adjustment (COLA) notice is sent to all beneficiaries at the end of each year providing the amount of the monthly benefit for the following year. Question: What is the earliest age I can begin receiving retirement benefits? Answer: The earliest age you can begin receiving Social Security retirement benefits is 62. If you decide to receive benefits before your full retirement age, you will receive a reduced benefit. Keep in mind you will not be able to receive Medicare coverage until age 65, even if you decide to retire at an earlier age. Check out our Retirement Estimator to get fast, personalized estimates of future benefits. You can find them at www.socialsecurity. gov/estimator. For more information, go to www.socialsecurity.gov. Question: My brother had an accident at work last year and is now receiving Social Security disability benefits for himself, his wife, and their daughter. Before his accident, he helped support his son from a previous relationship. Is his son entitled to some benefits as well? Answer: Regardless of whether your brother was married to his sons mother, his son may qualify for Social Security benefits on his record. Someone should file an application on his behalf. If he is found to be eligible, both children would receive equal benefits. Learn more by reading our online publication, Disability Benefits (Publication No. 0510029) at www.socialsecurity. gov/pubs/10029.html. Question: I understand that to get Social Security disability benefits, my disability must be expected to last at least a year. Do I have to wait a year before I can apply for benefits? Answer: No. If you believe your disability will last a year or longer, apply for disability benefits as soon as you become disabled. It can take three to four months to process an application. If your application is approved, we will pay your first Social Security disability benefits for the sixth full month after the date your disability began. For more information about Social Security disability benefits, refer to Disability Benefits (Publication No. 0510029) at www.socialsecurity.gov/pubs/10029.html. Question: What are the rules for getting Supplemental Security Income (SSI)? Im thinking about applying. Answer: To be eligible to receive SSI benefits, you must be disabled, blind, or age 65 or older. You also must have limited income and resources. Income is defined as wages, Social Security benefits, and pensions. Income also includes food and shelter you receive from others. Social Security does not count all of your income when deciding whether you qualify for SSI. Resources include bank accounts, cash, stocks, and bonds. You may be able to get SSI if your resources are worth no more than $2,000 ($3,000 for a couple). Learn more by reading our publication, Supplemental Security Income (SSI), at www.socialsecurity.gov/ pubs/11000.html. Question: What is the Part B Medicare monthly premium for 2013? Answer: Most people pay the standard Part B premium of $104.90 each month in 2013. If your modified adjusted gross income on your Internal Revenue Service (IRS) tax return from two years ago (the most recent tax return information provided to Social Security by the IRS) is above a certain amount, you may need to pay more. Only about ten percent of Medicare beneficiaries, those with very high income, are required to pay a monthly premium greater than $104.90. For more information, visit www.socialsecurity.gov and select the Medicare tab.
According to a new study by Johns Hopkins University School of Medicine and the National Institute on Aging, men and women with hearing loss are much more likely to develop dementia and Alzheimers disease. People with severe hearing loss, the study reports, were 5 times more likely to develop dementia than those with normal hearing. The more hearing loss you have, the greater the likelihood of developing Dementia or Alzheimers disease. Hearing aids could delay or prevent Demential by improving the patients hearing.
New study by Johns Hopkins University School of Medicine and the National Institute on Aging. Feb. 14, 2011
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Security and Disability Determination Service communities, input from medical and scientific experts, and research from the National Institutes of Health. We also consider which conditions are most likely to meet our current definition of disability. For more information about Compassionate Allowances, including a full list of qualifying conditions, please visit www. socialsecurity.gov/compassionateallowances.
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All federal benefits, including Social Security and Supplemental Security Income (SSI) benefits, are to be paid electronically. Thats according to a rule from the U.S. Department of the Treasury. For years, Social Security has stressed the convenience, security, and safety of getting benefit payments electronically, offering peace of mind
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you are a small business owner, a retiree, or a new parent, here are some Social Security tax tips that may help you. Are Social Security benefits taxable? They are for some people. About one third of those receiving benefits must pay taxes on some of their Social Security. If your total income, including Social Security and all of your other taxable income, is $25,000 or more and you file federal taxes as an individual, youll need to pay federal taxes on some of your benefits. (That amount is $32,000 for married couples filing a joint return.) Will I get a tax form for my Social Security benefits? Yes. Social Security Benefit Statements (Form SSA-1099) are generally mailed to beneficiaries and should be received by Jan. 31. If you receive Social Security and havent
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received your 1099, you can request one online at www.socialsecurity. gov/1099. We had our first child in 2012. Does our baby need a Social Security Number? Yes. Most people apply for their babys Social Security number while theyre still in the hospital at the same time they apply for the birth certificate. But if you didnt, youll need to apply for your childs Social Security number in order to claim the child as a dependent on your tax return. Youll also need it if you ever apply for government benefits on behalf of the child or your family. Learn more about Social Security cards and numbers at www.socialsecurity.gov/ ssnumber. I changed my name when I got married last year. Do I need to report it to Social Security? Yes. If youve legally changed your name due to marriage, divorce, court order, or for any other reason, make sure you change your name with Social Security, as well as with your employer. If you change with one source but not the other, it could cause your earnings to be improperly recorded. That could result in you not getting all the benefits you earned when you become eligible for Social Security in the future. You can learn more about your Social Security number and how to change your name at www.socialsecurity.gov/ ssnumber. I own a small business. Can I report the W-2s
of my employees online to Social Security? Yes, and we encourage you to do so at www.socialsecurity.gov/bso. Filing your W-2s electronically is free, fast, and secure! Plus theres an added bonus: when you file electronically, you receive an extra month to file because electronically filed W-2s arent due until March 31. Youll also receive an electronic acknowledgment receipt. And when you file electronically, you can print out your W-2s for your employees. Does Social Security have any advice to make tax filing and future benefit applications go smoothly? We encourage you to carefully check your name, Social Security number and all of the data on your W-2s, your online Social Security Statement, and Social Security card to make sure they all match. If you dont have access to your card or Statement but know your Social Security number, make sure the number and information is correct on your W-2s. A mismatch could delay your tax refund and cause problems with your Social Security benefits in the future. Such errors are much easier to fix now. If you do notice an error, you should contact Social Security at 1-800772-1213 (TTY 1-800325-0778), or if the information on the W-2 is incorrect, notify your employer. For more information about Social Security, visit www.socialsecurity. gov.
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Every day of the year, Americans across the nation remember friends and family members who have served and sacrificed for their country. We would like to let members of our military know how much we value what they do for our nation. At Social Security, we offer a wide range of services for our service members. Families of fallen military heroes may be eligible for Social Security survivors benefits. Learn more about Social Security survivors benefits at www.socialsecurity.gov/pgm/survivors.htm. For service members who return home with injuries, Social Security is here to help. Visit our Wounded Warriors website. You can find it at www.socialse-
Right now theres an important debate going on about the future of Medicare and Social Security. While some politicians in Washington are pushing harmful cuts, AARP is ghting for responsible solutions that keep the promises weve made to current seniors and keep the programs strong for our kids and grandkids. Politicians are talking, but its your voice that needs to be heard to keep Medicare and Social Security strong.
Join the ght to keep Medicare and Social Security strong for generations to come at earnedasay.org.
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