As you enter into your 60’s, it is important to understand the social security system so that you may take advantage of the resources available to you. Below you will find some social security faq (frequently asked questions).
At what age can I receive Social Security benefits?
Early retirement for Social Security begins at the age of 62. However, disabilities and other factors can lower that eligibility age, sometimes indefinitely. It all depends on the types of benefits you are receiving, whether they are for disabilities or just simple retirement. Children who are dependents will also have an effect on this age.
How does Social Security effect my spouse?
Both parties of the marriage must at least reach the age of 62 for spousal benefits to go into effect. However, the spouse that works must file for benefits first. This means that if the spouse is older than 62, but the breadwinner is not, then they cannot yet qualify for social security.
Can my children get my Social Security?
Unmarried children can qualify for your Social Security, depending on certain factors. They must be younger than 18, unless they are 18 and still in secondary school. This age factor doesn’t come into play if your child suffers a major disability, however. Eligible children can receive a payment of half of your benefit amount. There is a limit, based on the number eligible children. A family can only get 150-180% of your benefit amount. This is called the “family maximum.”
Can I appeal a decision made by Social Security, regarding disability claims?
This is one social security faq which we hear often. The answer is “Yes you can”. There are four different levels of appeal within the Social Security agency. If you disagree with the agency’s decision the first time, you can appeal for them to look at the case again. You have 60 days after the agency notifies you of its decision to request an appeal. These appeals often take a year after they are filed before they are addressed again.