Are you looking for new ways to save time? Check out our online services available through your secure my Social Security account. We have lots to offer you online whether you receive benefits from Social Security or not. If you do not currently receive benefits, you can:
· Request a replacement Social Security card.
· Review your earnings history and see an estimate of your future Social Security benefits.
· Compare benefit amounts depending on what age you start receiving benefits.
To read more visit SCOOP USA Media, March 30, 2021, page 12
Did you know that you can apply for Medicare online even if you are not ready to retire? Applying online can take less than 10 minutes. There are no forms to sign and usually no required documentation. We’ll process your application and contact you if we need more information.
Visit www.ssa.gov/benefits/medicare to begin. There, you can apply for Medicare and find other important information.
To read more visit SCOOP USA Media, March 23, 2021, page 14
Millions of people get monthly Social Security benefits or Supplemental Security Income payments. Some need help managing their money. When we receive information that indicates you need help, we’ll assign a representative payee to manage your benefits for you. We try to select someone who knows you and wants to help you. A representative payee receives your monthly benefit payment on your behalf and must use the money to pay for your current needs, including: · Housing and utilities · Food · Medical and dental expenses · Personal care items · Clothing · Rehabilitation expenses (if you’re disabled).
To read more visit SCOOP USA Media, March 12, 2021, page 11
In March, we celebrate Women’s History Month. Social Security has served a vital role in the lives of women for more than 80 years. Women have longer life expectancies than men, which means they live more years in retirement and have a greater chance of exhausting other sources of income. It’s important for women to plan early and wisely for retirement.
Our benefits portal at www.ssa.gov/benefits/retirement provides detailed information about how life events can affect your Social Security retirement benefits. These events may include marriage, widowhood, divorce, self-employment, government service, and other life or career changes.
To read more visit SCOOP USA Media, March 9, 2021, page 8
Tax season is approaching, and replacing your annual Benefit Statement has never been easier. The Benefit Statement, also known as the SSA-1099 or the SSA-1042S, is a tax form we mail each year in January to people who receive Social Security benefits. It shows the total amount of benefits you received from us in the previous year so you know how much Social Security income to report to the Internal Revenue Service on your tax return.
If you live in the United States and you need a replacement form SSA-1099 or SSA-1042S, simply go online and get an instant, printable replacement form using your personal my Social Security account at www.ssa.gov/myaccount.
To read more visit SCOOP USA Media, March 2, 2021, page 12
This year, America Saves Week runs from February 22 – 26. The week is an opportunity for organizations to promote good financial habits. It’s also a great time for people to assess their own saving status, as planning and saving are key to a successful retirement.
Each day of the week will focus on a different aspect of saving:
• Monday – Save Automatically
• Tuesday – Save for the Unexpected
• Wednesday – Save to Retire
• Thursday – Save by Reducing Debt
• Friday – Save as a Family It’s never too early to start planning for your retirement. Set a goal, make a plan, and save automatically. People with a plan are twice as likely to save successfully. Pledge to save for America Saves Week at www.americasavesweek.org.
To read more visit SCOOP USA Media, February 23, 2021, page 15
Throughout the month of February, we honor African Americans by celebrating Black History Month. Created in 1926, this event coincides with the birthdays of Abraham Lincoln on February 12 and Frederick Douglass on February 14. African American communities have celebrated these birthdays together for over a century.
Honoring our shared history and reflecting on the past is one way we can remember that in America, we believe in freedom and democracy for all. Another shared belief is that we all deserve a comfortable retirement, free of economic hardship. This is part of securing today and tomorrow. Social Security has the tools to help you plan for your retirement and to apply for benefits online.
To read more visit SCOOP USA Media, February 15, 2021, page 11
Do you plan to pay a cleaning person, cook, gardener, babysitter, or other household worker at least $2,300 in 2021? This amount includes any cash you pay for your household employee’s transportation, meals, and housing. If you will pay at least $2,300 to one person, you have some additional financial responsibilities.
When you pay at least $2,300 in wages to a household worker, you must do all of the following:
• Deduct Social Security and Medicare taxes from those wages.
• Pay these taxes to the Internal Revenue Service.
• Report the wages to Social Security.
To read more visit SCOOP USA Media, February 9, 2021, page 7
When you give information for your child’s birth certificate at the hospital, you’ll be asked whether you want to apply for a Social Security number for your child. If you say “yes,” you will be asked to provide both parents’ Social Security numbers, if you can. Even if you don’t know both parents’ Social Security numbers, you can still apply for a number for your child.
To read more visit SCOOP USA Media, February 2, 2021, page 8
Scammers are always finding new ways to steal your money and personal information by exploiting your fears. The most effective way to defeat scammers is to know how to identify scams and to ignore suspicious calls and emails. One common tactic scammers use is posing as federal agents and other law enforcement. They may claim your Social Security number is linked to a crime. They may even threaten to arrest you if you do not comply with their instructions. Here are three things you can do:
• Hang up right away or do not reply to the email.
• Never give personal information, money, or retail gift cards.
To read more visit SCOOP USA Media, January 26, 2021, page 8
We are required to conduct continuing eligibility reviews for disabled beneficiaries every three years. This process requires that beneficiaries complete a Continuing Disability Review mailer to update information about their medical conditions and recent treatments.
We now offer an online option to complete this update and provide any supporting documents about your medical treatment or your work.
We designed this new form with convenience in mind — and to save you time. You can access the online form at
www.ssa.gov/ssa455-online-form.
To read more visit SCOOP USA Media, January 19, 2021, page 8
Question: I am getting Supplemental Security Income (SSI). Can I get other kinds of help?
Answer: You may be able to get other assistance. For example, in most states, SSI recipients also get Medicaid. You should contact your medical assistance office. Also, SSI recipients are sometimes eligible for social services provided by the state, city, or county where they live. These may include arrangements for meals or transportation.
SSI recipients also may qualify for the Supplemental Nutrition Assistance Program, also known as SNAP, or “food stamps,” in many states. More information is available at your local public assistance office.
To read more visit SCOOP USA Media, January 5, 2021, page 6
The aged and people with disabilities may need extra assistance to manage their finances. If you have a loved one who needs your help, you may be able to become a representative payee.
A representative payee receives the beneficiary’s payments and is given the authority to manage them on the beneficiary’s behalf. We recognize that turning someone’s finances over to someone else is a big deal, so we make sure that the beneficiary needs the help and that you are the best person to offer that help. We may also monitor that you spend the benefits appropriately on behalf of the beneficiary. If we choose you to serve as a representative payee, that appointment is only to manage Social Security and SSI funds, not to manage non-Social Security money or medical matters.
To read more visit SCOOP USA Media, December 29, 2020, page 6
Our online services often allow you to do business with us without visiting a local office or calling. Here are our top 10 webpages of 2020: 1. Open your own personal my Social Security account, where you can verify your earnings, get future benefit estimates, obtain benefit verification letters, update your Social Security information if you receive benefits, and more, at www.ssa.gov/myaccount. We continue to add new features to make doing business with us easier than ever.
To read more visit SCOOP USA Media, December 22, 2020, page 6
If you receive a Benefit Verification letter, sometimes called a 'budget letter,' a 'benefits letter,' a 'proof of income letter,' or a 'proof of award letter,' we have good news for you! A new standardized Benefit Verification letter is now available when you need proof of Social Security benefits, Supplemental Security Income, or Medicare.
In addition to name, date of birth, and the benefits received, the new Benefit Verification letter includes other identifiers to prevent misuse and fraud. This is an added benefit to you as proof of income for loans, housing assistance, mortgage, and other verification purposes.
To read more visit SCOOP USA Media, December 15, 2020, page 8
If you need to replace your lost or misplaced Social Security card, our online application makes getting a replacement card easier than ever. Requesting a card replacement online is available if you live in the District of Columbia or one of the 45 states that can verify state ID information for us. If you’re only requesting a replacement card and you’re making no changes, you may be able to use our free online service.
All you need to do is create a personal my Social Security account at www.ssa.gov/myaccount and meet certain requirements. Opening a personal my Social Security account is easy, convenient, and secure. We protect your information by using strict identity verification and security features. Once you have a personal account, simply follow the instructions to request a replacement Social Security card.
To read more visit SCOOP USA Media, December 8, 2020, page 7
Nearly 70 million Americans will see a 1.3 percent increase in their Social Security benefits and SSI payments in 2021. Federal benefit rates increase when the cost-of-living rises, as measured by the Department of Labor’s Consumer Price Index (CPI-W).
The CPI-W rises when inflation increases, leading to a higher cost-of-living. This change means prices for goods and services, on average, are a little more expensive, so the COLA helps to offset these costs.
January 2021 marks other changes that will happen based on the increase in the national average wage index. For example, the maximum amount of earnings subject to Social Security payroll tax in 2021 will be higher. The retirement earnings test exempt amount will also change in 2021. You can read our press release for more information at www.ssa.gov/news/press/factsheets/colafacts2021.pdf.
To read more visit SCOOP USA Media, December 1, 2020, page 10
In November, we show gratitude for the many things we are thankful for throughout the year. Family usually tops the list. The strong women in our lives are one of the central figures we appreciate.
More women in the 21st century work, pay Social Security taxes, and earn credit toward monthly retirement income than at any other time in our nation’s history. Yet, on average, women face greater economic challenges in retirement than men.
To read more visit SCOOP USA Media, November 24, 2020, page 8
Understanding how your future retirement might affect your spouse is important. Here are a few things to remember when you’re planning for your retirement. Your spouse’s benefit amount could be up to 50 percent of your full retirement age benefit amount. If you qualify for a benefit from your own work history and a spouse’s record, we always pay your own benefit first. You cannot receive spouse’s benefits unless your spouse is receiving their retirement benefits (except for divorced spouses).
If you took your reduced retirement first while waiting for your spouse to reach retirement age, your own retirement portion remains reduced. When you add spouse’s benefits later, the total retirement and spouses benefit together will total less than 50 percent of the worker’s amount. You can find out more about this at www.ssa.gov/OACT/quickcalc/ spouse.html.
To read more visit SCOOP USA Media, November 17, 2020, page 7
Every year on Veterans Day, we honor the people who risk their lives to protect our country. Our disability program is an important part of our obligation to wounded warriors and their families. Social Security is an important resource for military members who return home with injuries. If you know a wounded veteran, please let them know about our Wounded Warriors webpage. You can find it at www.ssa.gov/woundedwarriors.
To read more visit SCOOP USA Media, November 10, 2020, page 7
For many people, signing up for Medicare Part B doesn’t require you to leave the comfort of home. Please visit our Medicare Part B webpage at secure.ssa.gov/ acu/ophandler/loginSuccess if:
• You’re enrolled in Medicare Part A.
• You would like to enroll in Part B during the Special Enrollment Period.
You can complete form CMS-40B (Application for Enrollment in Medicare – Part B [Medical Insurance]) at www.cms.gov/Medicare/CMS-Forms/CMS-Forms/CMSForms- Items/CMS017339 and CMS-L564 at www.cms.gov/Medicare/CMS-Forms/CMS- Forms/Downloads/ CMS-L564E.pdf (Request for Employment Information) online.
To read more Social Security visit SCOOP USA Media, November 3, 2020, page 13
We are excited to announce the release of a new, standardized Benefit Verification letter. People receiving Social Security or Supplemental Security Income (SSI) benefits can obtain their letter by using their personal my Social Security account. You can use the letter as proof of income for loans, housing assistance, mortgage, and other verification purposes.
Please create your personal my Social Security account to access your new Benefit Verification letter online in a safe, quick, and convenient way without needing to contact us.
To read more Social Security visit SCOOP USA Media, October 27, 2020, page 13
If you rely on Supplemental Security Income (SSI) payments or Social Security Disability (SSDI) benefits and want to start working or return to work, we can help. A Plan for Achieving Self-Support (PASS) is a rule under SSI to help people with disabilities return to work. If you receive SSI or could qualify for SSI after setting aside income or resources so you can pursue— or achieve—a work goal, you could benefit from a PASS.
How does a PASS help someone return to work?
- We base SSI eligibility and payment amounts on income and resources (things of value that the individual owns).
To read more Social Security visit SCOOP USA Media, October 20, 2020, page 13
You can access our programs and services from just about anywhere with your personal and secure my Social Security account. It’s easy to sign up for one, and it will give you access to important information you can’t find anywhere else. With your personal my Social Security account, you can:
• Use our Retirement Calculator to compare future benefit estimates for different dates or ages to begin receiving benefits.
To read more Social Security visit SCOOP USA Media, October 13, 2020, page 13
There are many online sources for Social Security information, but you need to make sure you’re getting the right information. By using www.ssa.gov, you know that what you’re reading and watching is approved by our experts and specifically created for you. Here are three of our resources where you can find valuable information about your Social Security benefits.
Our blog – Stay informed about our latest news, retirement planning tips, and other helpful information. Our blog at blog.ssa.gov features messages direct from our Commissioner, as well as information from expert contributors. From there, you can also connect with us on Facebook, Twitter, LinkedIn, Instagram, and YouTube, where you can watch our popular videos.
To read more Social Security visit SCOOP USA Media, October 6, 2020, page 13
With more people learning online, we would like to highlight some of the digital resources we have for educators. Chances are a student will know someone who receives retirement or disability benefits.
This could be a way to relate our many programs to a new audience. Showing young people that our programs help wounded warriors and children with disabilities, can help them develop greater empathy and provide a path to inspired learning. We offer an educator’s toolkit teachers can use to engage students and educate them on our programs.
To read more Social Security visit SCOOP USA Media, September 29, 2020, page 7
We’re often asked, “What’s the best age to start receiving retirement benefits?” The answer is: there’s not a single “best age” for everyone. The most important thing is to make an informed decision. Base your decision about when to apply for benefits on your individual and family circumstances.
Would it be better for you to start getting benefits early with a smaller monthly amount for more years, or wait for a larger monthly payment over a shorter timeframe? The answer is personal and depends on several factors, such as your current cash needs, your current health, and your family longevity.
To read more Social Security visit SCOOP USA Media, September 22, 2020, page 10
Question: I'm expecting my first baby in October . What do I need to do to get a Social Security number for my baby?
Answer: Apply for a number at the hospital when you apply for your baby's birth certificate. The state agency that issues birth certificates will share your child's information with us and we will mail the Social Security card to you. You can learn more about the Social Security number and card by reading our online publication Social Security Numbers for Children, available at www.socialsecurity.gov/pubs.
To read more Social Security visit SCOOP USA Media, September 15, 2020, page 10
Customers have questions, you have answers. Display the most frequently asked questions, so everybody benefits.
At SSA, we strive to deliver great customer service and easy-to-access information about our services. If Spanish is your primary language, you can visit www.ssa.gov/espanol, our Spanish- language website. There, you can find information about how to get a Social Security card, plan for retirement, apply for benefits, manage your benefits, and much more.
To read more Social Security visit SCOOP USA Media, September 8, 2020, page 10
Did you know you can see your work history online all the way back to your first job? Your earnings history is a record of your progress toward your Social Security benefits. We keep track of your earnings so we can pay you the benefits you’ve earned over your lifetime. This is why reviewing your Social Security earnings record is so important. If an employer didn’t properly report just one year of your earnings to us, your future benefit payments could be less than they should be. Over the course of a lifetime, that could cost you tens of thousands of dollars in retirement or other benefits to which you are entitled.
To read more Social Security visit SCOOP USA Media, September 1, 2020, page 11
Some of the terms and acronyms people use when they talk about Social Security can be a little confusing. We’re here to help you understand all you need to know. We strive to explain your benefits using easy-to-understand, plain language. The Plain Writing Act of 2010 requires federal agencies to communicate clearly in a way “the public can understand and use.” This can be particularly challenging when talking about complicated programs like Social Security, Supplemental Security Income, and Medicare. If there’s a technical term or acronym that you don’t know, you can easily find the meaning in our online glossary at
https://www.ssa.gov/agency/glossary.
To read more Social Security visit SCOOP USA Media, August 25, 2020, page 10
We take pride in having provided vital benefits and services to this great nation for 85 years. America has a diverse population with a variety of needs. With our diverse population in mind, we’ve created webpages that speak directly to groups of people who may need information about our programs and services. These pages are easy to share with friends and family or on social media. Here are just a few that might speak to you or someone you love.
We proudly serve wounded warriors and veterans. They made sacrifices to preserve the freedoms Americans treasure. Many of them do not know they might be entitled to disability benefits from Social Security. Share our resources with them to make sure they get the benefits they deserve.
To read more Social Security visit SCOOP USA Media, August 18, 2020, page 12
Keeping you informed about our products and services, and helping you prepare for making decisions that will affect your benefits is very important to us. Preparing for retirement is one of the most important decisions you can make.
Our website has helped millions of people get ready for and apply for retirement. But we heard your feedback that you also want to:
• Find the information you need without reading through too many pages.
To read more Social Security visit SCOOP USA Media, August 11, 2020, page 14
For young people whose parent passes away, Social Security is here. Losing a parent is both emotionally painful and, oftentimes, devastating to a family’s finances.
In the same way that Social Security helps to lift up the disabled and seniors when they need it, we support families when an income-earning parent dies. You should let Social Security know as soon as possible when a person in your family dies. Usually, the funeral director will report the person’s death to Social Security. You’ll need to give the deceased’s Social Security number to the funeral director so they can make the report. Some of the deceased’s family members may be able to receive Social Security benefits if the deceased person worked long enough in jobs covered by Social Security to qualify for benefits.
To read more Social Security visit SCOOP USA Media, August 4, 2020, page 12
Social Security is here to help secure today and tomorrow by providing benefits and financial protection for millions of people. This assistance allows people with severe disabilities and health conditions to take care of the necessities of living, such as food, shelter, and medications. It is imperative that we continue to protect the integrity of the disability program for everyone by ensuring we make the correct decision on each claim. However, if you do not agree with our decision, you can ask us to take another look by filing an appeal.
To read more Social Security visit SCOOP USA Media, July 14, 2020, page 10
June is World Elder Abuse Awareness Month. Throughout the month, government agencies, businesses, and organizations sponsor events to unite communities, seniors, caregivers, governments, and the private sector to prevent the mistreatment of and violence against older people.
Scammers often target older people. They use fear to pressure people into providing personal information or money. In times like the current pandemic when people are particularly vulnerable, scammers will pretend to be government employees, often from Social Security, to gain people’s trust to steal their money and personal information. The most effective way to defeat scammers is by knowing how to identify scams then hanging up or ignoring the calls.
To read more Social Security visit SCOOP USA Media, June 30, 2020, page 12
While it may be best known for retirement, Social Security is also here to help you get back to work if you are disabled. For millions of people, work isn’t just a source of income, it’s a vital part of who they are — it gives them purpose and pride — it’s a connection to community. If you’re getting Social Security disability benefits, we have good news for you. Social Security’s work incentives and Ticket to Work programs can help you if you’re interested in working.
Special rules make it possible for people receiving Social Security disability benefits or Supplemental Security Income (SSI) to work and still receive monthly payments. The Ticket to Work program may help you if you’d like to work. You can receive: Free vocational rehabilitation; Training; Job referrals; and Other employment support. You can read more about working while collecting disability benefits at www.socialsecurity.gov/work.
To read more Social Security visit SCOOP USA Media, June 16, 2020, page 13
During this time when our physical offices are closed to the public, you may wonder, “How can I get help from Social Security without visiting an office?” You can find the answer at www.ssa.gov/onlineservices, which links you to some of our most popular online services. You can apply for retirement and disability benefits, appeal a decision, and do much more.
Our newest my Social Security feature, Advance Designation, enables you to identify up to three people, in priority order, who you would like to serve as your potential representative payee in the event you ever need help managing your benefits.
To read more Social Security visit SCOOP USA Media, June 9, 2020, page 14
We pay monthly Supplemental Security Income (SSI) to people with disabilities who have low income and few resources, and people who are age 65 or older without disabilities who meet the financial limits.
Income is money you receive, such as wages, Social Security benefits, and pensions. Income also includes things like food and shelter. The amount of income you can receive each month and still get SSI depends partly on where you live. Resources are things you own, including real estate, bank accounts, cash, stocks, and bonds, which we count in deciding if you qualify for SSI.
To read more Social Security visit SCOOP USA Media, June 2, 2020, page 16
Question: I got married and I need to change my name in Social Security's records. What do I do?
Answer: If you change your name due to marriage, or for any other reason, you'll need to report the change and get a corrected Social Security card with your new name. You will need to fill out Form SS-5.
You can get a copy of this form by visiting www. socialsecurity.gov/ss5doc or by calling our toll-free number 1-800-772-1213 (TTY 1-800-325-0778). You'll also need to provide the original marriage certificate showing your new and old names. You can mail or take the documentation to your local Social Security office. In some cases, we may need other forms of documentation as well. For more information, visit www.socialsecurity.gov/ssnumber.
Question: Do I have to give my Social Security number whenever I'm asked?
Answer: No. Giving your Social Security number is voluntary. If requested, you should ask why the person needs your Social Security number, how it will be used, what law requires you to give your number, and what the consequences are if you refuse. The answers to these questions can help you decide whether to give your Social Security number. However, the decision is yours. Keep in mind that requestors might not provide you their services if you refuse to provide your Social Security number.
To read more Social Security visit SCOOP USA Media, May 29, 2020, page 15
On Memorial Day, our nation honors military service members who have given their lives for our country. Families, friends, and communities pause to remember the many great sacrifices of our military and ensure their legacy lives on in the freedoms we all enjoy. We recognize these heroes who, in President Lincoln’s words, “gave the last full measure of devotion.”
The benefits we provide can help the families of military service members. For example, widows, widowers, and their dependent children may be eligible for Social Security survivors’ benefits. You can learn more about those benefits at www.ssa.gov/survivors.
To read more Social Security visit SCOOP USA Media, May 22, 2020, page 16
In May, we celebrate Teacher Appreciation Week and honor all of the educators who are preparing students for the future. Social Security knows that a well-informed instructor is usually the best one suited to educate others. That’s why we have online resources that are easy to access and share. Social Security’s Educator Toolkit is a rich resource for teachers and advocates. Our Information for Educators page contains information and resources to engage students and to educate them on Social Security. It includes: o Infographics and handouts for each lesson plan o Links to Social Security webpages o Talking points o Quiz questions and answers Here’s a brief sample appropriate for high school students: Start the discussion by asking the students what they think they know about Social Security and if they think Social Security is important to them as high school students. Capture key words/phrases on the board/screen to keep for future discussion.
To read more Social Security visit SCOOP USA Media, May 15, 2020, page 15
Spring is upon us, and it marks a very popular annual event: Mother’s Day. There’s no better time to share some quality time with the people you love. While spending time with your mom on Sunday, May 10 you can help her quickly and easily sign up for a free, online my Social Security account. You can do it from home, which means more time doing the things you want to do together.
Signing up for a my Social Security account will give Mom the tools she needs to stay on top of her Social Security benefits. When she signs up at www.socialsecurity.gov/ myaccount, she can do a number of things. If she does not receive benefits, she can: Request a replacement Social Security card if she meets certain requirements; Check the status of her application or appeal. Get her Social Security Statement, to review: Estimates of her future retirement, disability, and survivors benefits; Her earnings once a year to verify the amounts that we posted are correct; and, The estimated Social Security and Medicare taxes she’s paid.
To read more Social Security visit SCOOP USA Media, May 8, 2020, page 15
Part of what makes our nation unique is our diversity. Social Security touches the lives of nearly all Americans; so, we’re accustomed to serving a diverse population.
Online, our People Like Me pages help inform the many different people we help. From people with disabilities to students and military veterans — Social Security is here for you. These pages are easy to share with friends and family or on social media. Here are just a few that might speak to you or someone you love. Do you know someone who is just starting their career? Now is the best time for them to start preparing for retirement. The sooner we begin to save, the more we’ll have when we reach retirement age. Share this page with a young worker you know. www.socialsecurity.gov/people/earlycareer.
We proudly serve wounded warriors and veterans. They faced sacrifices to preserve the freedoms Americans treasure. Many of them do not know they might be entitled to benefits. Share our resources with them to make sure they are getting the benefits they deserve. www. socialsecurity.gov/people/veterans.
To read more Social Security visit SCOOP USA Media, May 1, 2020, page 17
A Social Security number is important because you need it to work, collect Social Security benefits, and receive certain government services. The information on your Social Security card must always be up-to-date and correct.
If you legally change your name because of marriage, divorce, court order, or any other reason, you must tell us right away so you can get a corrected card. You cannot apply to change your name online.
To update your Social Security card, you need to:
o Show the required documents, including proof of your identity. Sometimes you may also need to prove your current U.S. citizenship or lawful noncitizen status. See what documents you need at www.socialsecurity.gov/ ssnumber/ss5doc.htm. Under the heading, “Type of Card,” select “Corrected” for a list of the documents you need.
To read more Social Security visit SCOOP USA Media, April 24, 2020, page 17
Social Security and its Office of the Inspector General continue to receive reports about fraudulent phone calls from people claiming to be Social Security employees. These scammers try to trick people into providing personal information or money, and often threaten their victims with arrest. Don’t be fooled. Our employees will never threaten you for information or promise a benefit in exchange for personal information or money.
Real Social Security employees also will not:
o Tell you that your Social Security number has been suspended. o Contact you to demand an immediate payment.
o Ask you for credit or debit card numbers over the phone.
To read more Social Security visit SCOOP USA Media, April 17, 2020, page 17
April is Financial Literacy Month, a month focused on educating people about the importance of planning for a secure financial future. Social Security is a vital part of any financial plan, and we have online tools to help you understand your potential Social Security benefits and how they fit into your financial plans.
You should periodically review your Social Security Statement through your personal my Social Security account at www.socialsecurity.gov/myaccount. Your Statement is an easy-to-read record of your earnings that determine your future benefits. You'll want to verify that your recorded earnings are correct as they affect the amount you could receive. Your Statement also provides a summary of the estimated benefits you and your family could receive, including potential retirement, disability, and survivors' benefits. The online Statement is paired with an interactive Retirement Calculator that allows you to run additional benefit estimate scenarios comparing how different future earnings and retirement benefit start dates affect your benefit amount. Start focusing on your financial literacy today. Log in to your My Social Security account and view your Statement. If you don't have an account, create one at www.socialsecurity.gov/myaccount.
To read more Social Security visit SCOOP USA Media, April 10, 2020, page 13
We strive to keep you informed with accurate and helpful information. In addition to information we provide on our website at www.ssa.gov, we also engage regularly on social media. We invite you to read our posts and share items of interest with your family and friends.
1. You can subscribe to our blog, Social Security Matters. We post up-to-date columns about programs, policy, current topics, and new online services. Read more and subscribe at blog.socialsecurity.gov.
2. You can follow us on Facebook and repost our articles at www.facebook.com/socialsecurity.
3. We have a number of informative videos on YouTube. Our diverse collection of videos covers online services, applying for retirement and disability benefits, Social Security scams, and much more. We offer some of our videos in Spanish as well. You can view and easily share our videos at www.youtube.com/SocialSecurity.
To read more Social Security visit SCOOP USA Media, April 3, 2020, page 13
Social Security benefits are part of the retirement plan of almost every American worker. If you’re among the people covered under Social Security, you need to know how much you might receive from us when you begin receiving benefits. These monthly payments may be a vital part of your retirement income. We base your benefit payment on how much you earned during your working career. Higher lifetime earnings result in higher benefits. If there were some years you didn’t work or had low earnings, your benefit amount may be lower than if you had worked steadily. Even if you have never worked under Social Security, you may be able to get spouse’s retirement benefits if you are at least 62 years of age and your spouse receives retirement or disability benefits. Our online retirement planners are a great place to start mapping out your retirement plan. You can access them at www.ssa.gov/planners/retire. We provide important information that you should know.
To read more Social Security visit SCOOP USA Media, March 27, 2020, page 13
Getting your newborn a Social Security Number is important. If your child is born in a hospital, the easiest way to secure a Social Security Number is when you give information for your child’s birth certificate. If you wait to apply for a number at a Social Security office, you may encounter delays while we verify your child’s birth certificate. When you give information for your child’s birth certificate at the hospital, you’ll be asked whether you want to apply for a Social Security Number for your child. If you say “yes,” you need to provide both parents’ Social Security Numbers, if you can. Even if you don’t know both parents’ Social Security Numbers, you can still apply for a number for your child. There are many reasons why your child should have a Social Security Number. You need a Social Security Number to claim your child as a dependent on your income tax return. Your child may also need a number if you plan to: Open a bank account for your child.; Buy savings bonds for your child.; Get medical coverage for your child; Apply for government services for your child. You can read more about Social Security Numbers for children at www.ssa.gov/pubs/EN-05-10023.pdf. Share this information with people who are expecting a child. Applying for a Social Security card at the hospital will save them time and let them focus on the new member of their family.
Do you plan to pay a cleaning person, cook, gardener, babysitter, or other household worker at least $2,200 in 2020? This amount includes any cash you pay for your household employee’s transportation, meals, and housing. If you will pay at least $2,200 to one person, you have some additional financial responsibilities.
When you pay at least $2,200 in wages to a household worker, you must do all of the following: Deduct Social Security and Medicare taxes from those wages. Pay these taxes to the Internal Revenue Service (IRS). Report the wages to Social Security. For every $2,200 in wages, most household employees earn credits toward Social Security benefits and Medicare coverage.
To read more Social Security visit SCOOP USA Media, March 13, 2020, page 16
In March, our nation celebrates Women’s History Month. Today, more women work, pay Social Security taxes, and earn credit toward monthly retirement income than at any other time in our nation’s history. Social Security has served a vital role in the lives of women for over 80
years. With longer life expectancies than men, women tend to live more years in retirement and have a greater chance of exhausting other sources of income. With the national average life expectancy for women in the United States rising, many women have decades to enjoy retirement. According to the U.S. Census Bureau, a female born today can expect to live more than 80 years. Women need to plan early and wisely for retirement. Our benefits planner website at www.ssa.gov/planners provides detailed information about how marriage, widowhood, divorce, self- employment, government service, and other life or career events can affect your Social Security
To read more Social Security visit SCOOP USA Media, March 6, 2020, page 15
Did you know that you can apply online for Medicare, even if you are not ready to retire? We can help you make an informed decision about when to apply for benefits based on your individual and family circumstances. Applying online can take less than 10-minutes. There are no forms to sign and usually no required documentation. We’ll process your application and contact you if we need more information.
Visit www.socialsecurity.gov/benefits/medicare to begin. There, you can apply for Medicare and find other important information. If you’re eligible for Medicare at age 65, your initial enrollment period begins three months before your 65th birthday and ends three months after that birthday.
Some Medicare beneficiaries may qualify for Extra Help with their Medicare prescription drug plan costs. To qualify for the Extra Help, a person must be receiving Medicare, have limited resources and income, and reside in one of the 50 states or the District of Columbia.
For more information on Extra Help, read www.socialsecurity.gov/pubs/EN-05-10525.pdf. You may also be interested in reading these publications:
To read more Social Security visit SCOOP USA Media, February 28, 2020, page 13
Tax season is approaching, and we have made replacing your annual Benefit Statement even easier. The Benefit Statement, also known as the SSA-1099 or the SSA-1042S, is a tax form we mail each year in January to people who receive Social Security benefits. It shows the total amount of benefits you received from us in the previous year so you know how much Social Security income to report to the IRS on your tax return. If you live in the United States and you need a replacement form SSA-1099 or SSA-1042S, simply go online and get an instant, printable replacement form using your personal my Social Security account at www.socialsecurity.gov/myaccount. A replacement SSA-1099 or SSA-1042S is available for the previous tax year after February 1. If you already have a my Social Security account, you can log in to your account to view and print your SSA-1099 or SSA-1042S. If you don’t have access to a printer, you can save the document to your computer or email it to yourself. If you don’t have a my Social Security account, creating one is very easy to do and usually takes less than 10 minutes. If you’re a non-citizen who lives outside of the United States and you received or repaid Social Security benefits last year, we will send you form SSA-1042S in the mail.
To read more Social Security visit SCOOP USA Media, February 21, 2020, page 17
Throughout the month of February, we celebrate Black History Month. Created in 1926, this event coincides with the birthdays of Abraham Lincoln on February 12 and Frederick Douglass on February 14. African American communities have celebrated these birthdays together since the late 19th century. Honoring our shared history and reflecting on the past is one way we unify as a nation. We remember that we are all Americans — we believe in freedom and democracy for all. Another shared belief is that we all deserve a comfortable retirement, free of economic hardship.
Social Security has retirement benefits and the tools to help you plan for your retirement and to apply for benefits online. We also provide disability benefits to individuals with medical conditions that prevent them from working. If the disabled individual has dependent family members, they can also receive payments. If you or anyone you know is disabled, they may qualify for disability benefits. Studies show that a 20-year-old worker has a 1-in-4 chance of becoming disabled before reaching full retirement age. You can see if you meet our strict definition of disabled and also apply for disability benefits at www.socialsecurity.gov/disabilityssi/apply.html.
To read more Social Security visit SCOOP USA Media, February 14, 2020, page 16
It’s never too early to start planning for retirement and our online tools can help. Go to www.socialsecurity.gov/ myaccount to access your my Social Security account to get a personalized estimate of your retirement benefits based on your earnings record.
Once you have an account, you can use our Retirement Calculator, to check out how your benefits change at different ages. Don’t have a my Social Security account? You can create one at www.socialsecurity.gov/myaccount or you can use our online Retirement Estimator to get benefit estimates at www.social security.gov/estimator. You can also use your my Social Security account to see your entire work history to be sure we have all of your wages recorded correctly, which is important because we base your benefit amount on the earnings reported to us. If you find an error with your work history, read this publication for more information: www.socialsecurity.gov/pubs/EN-05-10081.pdf.
When you’re ready to apply for Social Security retirement benefits, you can conveniently complete our online application in as little as 15 minutes at www.socialsecurity.gov/benefits/retirement. We will contact you if we need any further information. You can check the status of your application through your online account.
To read more Social Security visit SCOOP USA Media, February 7, 2020, page 14
Medicare is our country’s health insurance program for people age 65 or older. Certain people younger than age 65 can qualify for Medicare, too, including those with disabilities and those who have permanent kidney failure. If you’re a Medicare beneficiary who has been informed that you must pay more for your Medicare Part B or Medicare prescription drug coverage premium because of your income, and you disagree with the decision that you need to pay a higher premium amount, you may request an appeal. The fastest and easiest way to file an appeal of your decision is by visiting www.socialsecurity.gov/benefits/disability/appeal.html and selecting “Request Non-Medical Reconsideration.”
Question: I didn’t enroll in Medicare Part B back when my Part A started a few years ago. Can I enroll now?
Answer: It depends. The general enrollment period for Medicare Part B, medical insurance, begins January 1 and runs through March 31. Keep in mind that although there is no monthly premium for Medicare Part A, there will be a premium for your Medicare Part B. In most cases, that premium goes up each 12-month period you were eligible for it and elected not to enroll. If you are covered by a group healthcare plan based on your employment or the employment of a spouse, you may qualify for a special enrollment. Special enrollments may be processed at any point during the year, but require proof of coverage. To find out more about Medicare,
visit www.medicare.gov or visit www.medicare.gov or www.ssa.gov/benefits/medicare/.
To read more Social Security visit SCOOP USA Media, January 31, 2020, page 16
Some of the millions of people who get monthly Social Security or Supplemental Security Income benefits need help managing this money. A person assigned to help you manage your monthly benefits is called a representative payee. We may decide you need a representative payee if we receive information that indicates you need help to manage your money. We try to select someone who knows you and wants to help you. Your representative payee should be someone you trust, who sees you often, and who clearly understands your needs.
A representative payee receives your monthly benefits on your behalf and must use the money to pay for your current needs. Eligible costs include
o housing and utilities
o food
o medical and dental expenses
o personal care items
o clothing
o rehabilitation expenses (if you’re disabled)
If there is someone you want to be your representative payee, tell a Social Security representative, and they will consider your request. Social service agencies, nursing homes, or other organizations are also qualified to be your representative payee. Ask them to contact us. If you receive a decision that you are appointed a representative payee and don’t agree that you need one, or if you want a different representative payee, write to us within 60 days to appeal that decision. If you can’t manage your finances, someone else can help. If you have a trusted friend or family member who can be your representative payee, this publication at will provide more information on our representative payee rules.
Scammers go to great lengths to trick you out of your personal information. We want to help you protect your information by helping you recognize a Social Security imposter. There’s a widespread telephone scam involving callers claiming they’re from Social Security. The caller ID may even show a government number. These callers may tell you there’s a problem with your Social Security number. They may also threaten to arrest you unless you pay a fine or fee using gift cards, pre-paid debit cards, a wire transfer, or cash. That call is not from us.
If you receive a suspicious call from someone alleging to be from Social Security, please:
• Hang up right away.
• Never give your personal information, money, or retail gift cards.
Report the scam at oig.ssa.gov/ to Social Security’s law enforcement team at the Office of the Inspector General.
To read more Social Security visit SCOOP USA Media, January 17, 2020, page 13
Beginning on January 8, 2020, field offices will remain open until 4p.m. on Wednesdays, with typical field office hours from 9 a.m. until 4p.m., Monday through Friday. You can locate the closest field office to you using our field office locator.
In another move to improve service to the public, Commissioner Saul announced in his Open Letter to the Public at www.socialsecurity.gov/agency/coss-message.html that the agency is hiring 1,100 front line employees to provide service on the agency’s National 800 Number and in its processing centers. The agency is currently bringing onboard 100 new processing center employees and approximately 500 new teleservice representatives for the 800 Number. An additional 500 hires for the 800 Number will occur later in 2020. “Improving service is my top priority. Increasing full public service hours at our nationwide network of more than 1,200 field offices is the right thing to do and will provide additional access,” Commissioner Saul said. The additional hiring of National 800 Number and processing center employees is an important step in the right direction to greatly improve the service we provide.” While we continue to improve both the access to and the experience with our services, it is important to note that most Social Security services do not require the public to take time to visit an office.
People may create a my Social Security account, a personalized online service, at www.socialsecurity.gov/myaccount. Through their personal mySocial Security account, people can check personal information and conduct business with Social Security. If they already receive Social Security benefits, they can start or change direct deposit online, and if they need proof of their benefits, they can print or download a current Benefit Verification Letter from their account. People not yet receiving benefits can use their online account to get a personalized Social Security Statement, which provides earnings history information as well as estimates of future benefits. Currently, residents in 40 states and the District of Columbia may request a replacement Social Security card online if they meet certain requirements. The portal also includes a retirement calculator and links to information about other online services, such as applications for retirement, disability, and Medicare benefits.
Many Social Security services are also conveniently available by dialing our toll-free number, 1-800-772- 1213. People who are deaf or hard of hearing may call our TTY number, 1-800-325-0778.
Are you looking for new ways to save time this new year? Social Security offers many of its services online by signing up for a secure my Social Security account.
Once you create an account, you can review your work history and see an estimate of your future Social Security benefits. We recently made several enhancements and introduced new features to my Social Security.
With your personal my Social Security account, you can also:
o Estimate future benefits with a Retirement Calculator that allows you to compare different retirement dates and include future earnings estimates (NEW)
o Request a replacement Social Security card
o Check the status of your Social Security application
To read more Social Security visit SCOOP USA Media, January 3, 2020, page 13
We provide our online services to improve our service to you. Here are our top 10 websites of 2019:
1. Open your own personal my Social Security account, which will enable you to verify your earnings, get future benefit estimates, obtain benefit verification letters, update your Social Security information if you receive benefits, and more at www.socialsecurity.gov/myaccount. We’ve recently added some new features to make doing business with us easier than ever.
2. Need answers to your Social Security related questions? Our Frequently Asked Questions page is the authoritative source at www.socialsecurity.gov/faq.
3. Our hub for Social Security news and updates is our blog: Social Security Matters at blog.socialsecurity.gov. You can use social media to easily share these informative articles with friends and family.
4. Knowing how much money you may get in the future can help you plan your finances. Get instant, personalized estimates of your future Social Security benefits at www.socialsecurity.gov/estimator.
To read more Social Security visit SCOOP USA Media, December 27, 2019, page 16
Social Security means many different things to many different people. To a spouse who has lost their partner, it may mean a monthly check to help with childcare costs. For a wounded warrior, Social Security might mean a lifeline of income that improves their quality of life. And chances are, you’ll rely on us one day as well.
Social Security provides millions of people with retirement and disability benefits. This means we need to be able to start a conversation and answer questions for those millions of deserving people. Social media allows us to quickly help people in a cost-effective and agile way. We use our Facebook page to share information about our programs, policies, and services with our vast network of followers and advocacy groups. We also monitor and provide quick-turnaround responses to select questions and comments that people post. We also hold Facebook Live events to dive deep into topics that matter to you. www.facebook. com/socialsecurity.
Our blog, named Social Security Matters, gives readers information about a variety of topics, including our programs, online services, current events, and human-interest stories, usually in greater detail than typically shared on our other social media platforms. Our blog encourages discussion and offers important retirement- and disability-related solutions. blog.ssa.gov.
Our Instagram page is a mostly visual outlet where we share our top ten baby names of the year and other trend-setting stats. We use this page to share information about our programs, policies, and services. www.instagram.com/ socialsecurity.
To read more Social Security visit SCOOP USA Media, November 1, 2019, page 13
During the holiday season, we surround ourselves with family and friends, some of whom may rely on us for a number of reasons. An aging parent might need help clearing snow. A sibling may require help after a surgery. And as we get older, our family members may need help managing their finances.
In fact, more than eight million people who get monthly Social Security or Supplemental Security Income (SSI) benefits need help managing their money. If you have a loved one who cannot manage their finances, you may be able to become a representative payee. We thoroughly investigate people who apply to be representative payees to protect the interests of Social Security beneficiaries, because a representative payee receives the beneficiary’s payments and are given the authority to use them on the beneficiary’s behalf. Social Security appoints a representative payee to manage Social Security and SSI funds only. A payee has no legal authority to manage non-Social Security income or medical matters. As a representative payee, you must know what the beneficiary’s needs are so you can decide the best use of benefits for their care and well-being. This is especially important if the beneficiary doesn’t live with you.
To read more Social Security visit SCOOP USA Media, December 20, 2019, page 16
If you’re changing your name, it’s important to let Social Security know so we can update the information we maintain, send you an updated Social Security card, and ultimately ensure we pay you accurate benefits when you retire or if you become disabled.
To change your name in our records, you must provide Social Security with documents proving your legal name change and identity. If you are a U.S. citizen, you also must provide our agency with documentation proving your U.S. citizenship. You must present original documents or copies certified by the agency that issued them. We can’t accept photocopies or notarized copies.
To prove your legal name change, you must show one of the following documents: Marriage document; Divorce decree; Certificate of naturalization showing a new name, Court order for a name change .
To prove your identity, you must show an unexpired document showing your name, identifying information, and photograph, such as one of the following:
U.S. driver’s license; State-issued non-driver’s identification card; U.S. passport
To read more Social Security visit SCOOP USA Media, December 13, 2019, page 13
Each year, we announce the annual cost-of-living adjustment (COLA).
By law, federal benefits increase when the cost of living rises, as measured by the Department of Labor’s Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Usually, there is an increase in the benefit amount people will receive each month, starting the following January. Nearly 69 million Americans will see a 1.6 percent increase in their Social Security benefits and SSI payments in 2020.
Other changes that will happen in January 2020 reflect the increase in the national average wage index. For example, the maximum amount of earnings subject to Social Security payroll tax will increase to $137,700 from $132,900. The earnings limit for workers who are younger than "full" retirement age (age 66 for people born in 1943 through 1954) will increase to $18,240. (We deduct $1 from benefits for each $2 earned over $18,240.) The earnings limit for people turning 66 in 2020 will increase to $48,600. (We deduct $1 from benefits for each $3 earned over $48,600 until the month the worker turns age 66.)
To read more Social Security visit SCOOP USA Media, December 6, 2019, page 16
In November, millions of families gather together to give thanks, share a meal, and spend time together. Sometimes it’s hard to find the time to get together, so you want to make every second with the ones you love count.
Social Security understands that your time is valuable whether you’re working, running your business, or taking time off to be with family and friends. We put a lot of time and effort into making my Social Security a resource you can depend on — an online tool that saves time and allows you to spend more of it on what you like to do. Even if you’re currently receiving benefits, or aren’t quite ready to file, Social Security has services to bring you and your family holiday cheer. With a My Social Security account, those receiving benefits can change their address and direct deposit information, get proof of their benefits, and request replacement documents like a Medicare card. If you aren’t currently getting benefits, you can still check your earnings record, get estimates of your future benefits, and view your Social Security Statement. In many states, you can even request a replacement Social Security card online. See everything you can do with a my Social Security account and open one today and at www.socialsecurity.gov/myaccount. Remember, you don’t need a my Social Security account to:
To read more Social Security visit SCOOP USA Media, November 29, 2019, page 13
Each year, we announce the annual cost-of-living adjustment (COLA).
By law, federal benefits increase when the cost of living rises, as measured by the Department of Labor’s Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Usually, there is an increase in the benefit amount people will receive each month, starting the following January. Nearly 69 million Americans will see a 1.6 percent increase in their Social Security benefits and SSI payments in 2020.
Other changes that will happen in January 2020 reflect the increase in the national average wage index. For example, the maximum amount of earnings subject to Social Security payroll tax will increase to $137,700 from $132,900. The earnings limit for workers who are younger than "full" retirement age (age 66 for people born in 1943 through 1954) will increase to $18,240. (We deduct $1 from benefits for each $2 earned over $18,240.) The earnings limit for people turning 66 in 2020 will increase to $48,600. (We deduct $1 from benefits for each $3 earned over $48,600 until the month the worker turns age 66.)
To read more Social Security visit SCOOP USA Media, November 29, 2019, page 13
More women work, pay Social Security taxes, and earn credit toward monthly retirement income than at any other time in our nation’s history.
Yet, on average, women face greater economic challenges than men in retirement. Nearly 55 percent of the people receiving Social Security benefits are women. Women generally live longer than men while often having lower lifetime earnings. And women usually reach retirement with smaller pensions and other assets compared to men. Social Security is vitally important to women for these three key reasons. You could be eligible for your own benefits if you:
To read more Social Security visit SCOOP USA Media, November 22, 2019, page 14
Many people pickup side jobs when the holiday shopping season comes around. It’s a good way for you to make some extra income during the busy season. Or you can ease back into work if you have been out of the labor force for a while.
We’re here to help you navigate seasonal employment if you get Social Security. You can get Social Security retirement or survivors benefits and work at the same time. But if you’re younger than full retirement age and earn more than certain amounts, your benefits will be reduced, although not dollar for dollar. Your benefits could increase when you reach full retirement age. You can read more about employment while retired at www.socialsecurity.gov/ planners/retire/whileworking.html.
To read more Social Security visit SCOOP USA Media, November 15, 2019, page 14
Every year on Veterans Day, our nation honors the people who risk their lives to protect our country. Social Security’s disability program is an important part of our obligation to wounded warriors and their families.
For military members who return home with injuries, Social Security is a resource they can turn to. If you know any wounded veterans, please let them know about Social Security’s Wounded Warriors website. You can find it at www.socialsecurity.gov/woundedwarriors.
The Wounded Warriors website answers many commonly asked questions, and shares other useful information about disability benefits, including how veterans can receive expedited processing of disability claims. Benefits available through Social Security are different than those from the Department of Veterans Affairs and require a separate application.
The expedited process is used for military service members who become disabled while on active military service on or after October 1, 2001, regardless of where the disability occurs.
To read more Social Security visit SCOOP USA Media, November 8, 2019, page 14
Having a job means different things to different people, but it can give you a sense of self, a community to rely on, and much-needed structure.
Some people define themselves through their work. Others may enjoy the social aspect of their jobs. If you rely on Supplemental Security Income (SSI) payments or Social Security Disability (SSDI) benefits and want to start working or return to work, Social Security can help.
A plan for achieving self-support (PASS) is a plan for your future. This plan lets you use your income or the resources you own to help you reach your work goals. You could set aside money to go to school and get specialized training for a job or to start a business. PASS is for both SSI and SSDI. The job that you want should allow you to earn enough to reduce or eliminate the SSI or SSDI benefits you currently receive.
Read more at Scoop USA Media, October 4, 2019, page 13
Social Security is here with information, tools, and benefits to help you secure today and tomorrow. Our journey together begins when you’re born and get your Social Security card. It continues when you get your first job and follows you through your entire career, marriage, and retirement.
Our commitment is to be with you throughout life’s journey. Our promise extends to surviving family members when a worker dies. Some of the Social Security taxes you pay go toward survivors benefits for your family. In the event of your death, certain members of your family may be eligible for survivors benefits; these include widows and widowers, divorced widows and widowers, children, and dependent parents. The amount of benefits your survivors receive depends on your lifetime earnings. The higher your earnings are, the higher their benefits will be. The value of your survivors benefit may be more than the value of your individual life insurance. By making sure your earnings are posting correctly, you are passing down protections to your survivors, just as your parents did before you.
Read more at Scoop USA Media, October 11, 2019, page 15
Marriage is a tradition that exists on every continent and in nearly every country. Having a partner not only means creating a family unit, it means sharing things like a home and other property. Understanding how your future retirement might affect your spouse is important.
When you’re planning for your retirement, here are a few things to remember: Your spouse’s benefit amount could be up to 50 percent of your spouse’s full retirement age amount, if you are full retirement age when you take it. If you qualify for a benefit from your own work history and a spouse’s record, we always pay your own benefit first.
You cannot receive spouse’s benefits unless your spouse is receiving his or her retirement benefits (except for divorced spouses). If you took your reduced retirement first while waiting for your spouse to reach retirement age, when you add spouse’s benefits later, your own retirement portion remains reduced, which causes the total retirement and spouses benefit together to total less than 50 percent of the worker’s amount. You can find out more about this at www.socialsecurity.gov/OACT/quickcalc/spouse.html.
Read more Social Security at Scoop USA Media, October 18, 2019, page 14
Children are our future — we share our knowledge and talent with them — we pass on our values to them knowing they will share those gifts. Social Security safeguards children all year long, but we’d like to take this opportunity to share information about our programs that provide direct support to children.
The latest information available says that in 2018 the Social Security program distributed about $2.7 billion each month to benefit about 4.1 million children on average each month because one or both of their parents are disabled, retired, or deceased. Those dollars help to provide the necessities of life for family members and help make it possible for those children to complete high school. When a working parent becomes disabled or dies, Social Security benefits help stabilize the family’s financial future.
Children with disabilities are among our most vulnerable citizens. The Social Security Administration is dedicated to helping those with qualifying disabilities and their families through the Supplemental Security Income (SSI) program, which is separate from the Social Security program. To qualify for SSI: The child must have a physical or mental condition, or a combination of conditions, resulting in “marked and severe functional limitations.” This means that the condition(s)
Read more Social Security at Scoop USA Media, October 18, 2019, page 14
It typically takes people a lifetime of planning to reach their retirement goals. The earlier young workers know about saving for their future, the better chance they’ll have at achieving a comfortable retirement. This is why Social Security has created a resource specifically for teachers and students. Our Information for Educators page contains a toolkit with information and resources to educate and engage students on Social Security programs and services. Within the toolkit, you’ll find:
o Two lesson plans with objectives
o Infographics and handouts for each lesson plan
o Links to Social Security webpages
o Talking points
o Quiz questions and answers
Read more at Scoop USA Media, September 13, 2019
Social Security and Medicare are both programs that are household names, but do you know the true difference? Both programs help safeguard millions of Americans as well as improve the quality of life for their family and friends. While Social Security offers retirement, disability, and survivors benefits, Medicare provides health insurance. Medicare is our country’s health insurance program for people age 65 or older and younger people receiving Social Security disability benefits. The program helps with the cost of health care, but it doesn’t cover all medical expenses or the cost of most long-term care. When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are two main ways to get Medicare: Original Medicare includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). If you want drug coverage, you can join a separate Part D plan. To help pay your out-of-pocket costs in Original Medicare (like your deductible and 20% coinsurance), you can also shop for and buy supplemental coverage. Examples include coverage from a Medicare Supplement Insurance (Medigap) policy, or from a former employer or union.
Read more at Scoop USA Media, September 20, 2018, page 14
Timing is everything, and the arrival time of your monthly payment from Social Security can be key to keeping your financial house in order. As you budget to pay your bills and save for future needs, keep in mind that your monthly retirement or disability benefit will be paid at the same time each month. To see your next payment date, create or log on to your my Social Security online account at www.socialsecurity.gov/myaccount and go to the “Benefits & Payments” section. In general, here’s how we assign payment dates:
o If you were born on the 1st through the 10th of the month, you’ll be paid on the second Wednesday of the month;
o If you were born on the 11th through the 20th of the month, you’ll be paid on the third Wednesday of the month; and
o If you were born after the 20th of the month, you’ll be paid on the fourth Wednesday of the month.
Read more at Scoop USA Media, September 27, 2018, page 13
Each year we announce the annual cost-of-living adjustment (COLA). Usually, there is an increase in the Social Security and Supplemental Security Income (SSI) benefit amount people receive each month, starting the following January. Law requires that federal benefit rates increase when the cost of living rises, as measured by the Department of Labor’s Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
The CPI-W rises when prices increase for the things the average consumer buys. This means that when prices for goods and services we purchase become more expensive, on average, the COLA increases benefits and helps beneficiaries keep up with the changing cost of living. More than 67 million Americans will see a 2.8 percent increase in their Social Security and SSI benefits in 2019. January 2019 marks other changes based on the increase in the national average wage index. For example, the maximum amount of earnings subject to Social Security payroll tax, as well as the retirement earnings test exempt amount, will change in 2019.
During the holiday season, most of us, regardless of our beliefs, focus on the children we love. Children are our future—we share our knowledge and talent with them—we pass on our values to them knowing they will share those gifts. Read more in the December 7th edition of Scoop USA Media.
At the end of the year, some of us like to take a tally of our top favorite things, such as movies and songs. At Social Security, we’re no different.
Because we care a lot about making our services convenient and easy to access, we care a lot about our online services—from signing up for retirement benefits to calculating future payments. That said, here are our top ten websites of 2018:
Our hub for Social Security news and updates is our blog: Social Security Matters at blog.socialsecurity.gov. You can use social media to easily share these informative articles with friends and family. We have an easy way to learn how to replace your Social Security card at www.socialsecurity.gov/ssnumber. And in many states, you can get a replacement card online at www.socialsecurity.gov/myaccount.
Read more at Scoop USA Media, December 14, 2018.
It’s 2019, and that means you might be one more year closer to retirement. Whether you’re at your very first job or wrapping up a successful career, there are always new things to learn about when it comes to saving for the future. So why not make retirement planning part of your New Year’s resolution!
Putting money in a high yield
Read more Scoop USA Media, December 28, 2018.
Running a small business isn’t just a fulltime job — it can be a 24-7 endeavor. Managing employees, inventory, scheduling, and services, not to mention marketing, can be exhausting.
Social Security can make your life easier with our suite of services that allows you to file W-2/W-2Cs online and verify your employees’ names and Social Security numbers against our records. If you run a business, make us your first stop for information on W-2s, electronic filing and verifying Social Security numbers at www.socialsecurity.gov/ employer to save time.
Read more Scoop USA Media, January 4, 2019.
Social Security is here to help secure today and tomorrow by providing benefits and financial protection for millions of people. This assistance allows people with severe disabilities and health conditions to take care of the necessities of living, such as food, shelter, and medications. It is imperative that we continue to protect the integrity of the disability program for everyone by ensuring we make the correct decision on each claim. However, if you do not agree with our decision, you can ask us to take another look by filing an appeal. Generally, there are four appeal levels: 1) Reconsideration, 2) Hearing, 3) Appeals Council Review, and 4) Federal Court Review. At the Reconsideration level, someone who did not make the first decision on your claim will conduct a review and accept any additional evidence.
Read more, Scoop USA Media, January 25, 2019
In February, our nation honors African Americans by celebrating Black History Month. Recognizing our shared history is one way we can affirm our belief in freedom and democracy for all.
For more than 80 years, Social Security has helped secure today and tomorrow with financial benefits, information, and tools for people of countless backgrounds and ethnicities that make up our richly diverse country. One of our popular tools is the online Retirement Estimator. With it, you can plug in some basic information to get an instant, personalized estimate of your future benefits. Different life events or choices can alter the course of your future, so try out different scenarios such as higher and lower future earnings amounts and various retirement dates to get a good prediction of how it can change your future benefit amounts. You can access it at www.socialsecurity.gov/benefits/retirement/estimator.html. If you find that helpful, we have a number of calculators to help you prepare for retirement at www.socialsecurity.gov/planners/calculators.
Read more, Scoop USA Media, February 1, 2019
Tax season is approaching, and Social Security has made replacing your annual Benefit Statement even easier. The Benefit Statement is also known as the SSA-1099 or the SSA-1042S. Now you can get a copy of your 1099 anytime and anywhere you want using our online services.
Read More, Scoop USA Media, February 8, 2019
Unfortunately, tragedy can strike without any warning. The loss of the family wage earner can be devastating both emotionally and financially. Social Security helps by providing income for the families of workers who die. Some of the Social Security taxes you pay go toward survivors benefits for workers and their families.
The value of the survivors benefits you have under Social Security may even be more than the value of your individual life insurance. When you die, certain members of your family may be eligible for survivors benefits. These include widows and widowers (and divorced widows and widowers), children, and dependent parents. Here are the people who can get survivors benefits based on your work: Your widow or widower may be able to get full benefits at full retirement age. The full retirement age for survivors is age 66 for people born in 1945-1956, with the full retirement age gradually increasing to age 67 for people born in 1962 or later. Your widow or widower can get reduced benefits as early as age 60. If your surviving spouse is disabled, benefits can begin as early as age 50. Your widow or widower can get benefits at any age if they take care of your child younger than age 16 or disabled, who is receiving Social Security benefits.
Read More, Scoop USA Media, February 15, 2019
If you are not self-employed, Social Security taxes are typically taken out of your paycheck automatically. You and your employer each pay a 6.2 percent Social Security tax on up to $132,900 of your earnings and a 1.45 percent Medicare tax on all earnings in 2019. You don’t have to do anything extra for the coverage you will one day receive because your employers handle the deduction as well as matching that contribution. Then they send the taxes to the Internal Revenue Service (IRS) and report your wages to Social Security.
Read More, Scoop USA Media, February 22, 2019
Question: My uncle states that he is considered to be 70 percent disabled through the VA. Does Social Security rate my disability on a percentage scale?
Answer: Social Security does not rate individuals on a percentage scale for disability benefits. For Social Security purposes, a disability is defined as: · A medical condition(s) that must have lasted, or be expected to last, at least one year or ends in death; and · The condition must prevent you from performing substantial work.
For more information regarding disability benefits, please visit www.socialsecurity.gov/disabilityssi.
Question: How does Social Security decide if I am disabled?
Read More, Scoop USA Media, March 1, 2019
Social Security is with you through life’s journey, putting you in control of your finances and future. With this in mind, we have made getting a replacement Social Security Benefit Statement even easier. Now you can instantly print or save a replacement any time you want. That’s control!
The Benefit Statement, also known as the SSA-1099 or the SSA-1042S, is a tax form Social Security mails each year in January to people who receive Social Security benefits. It shows the total amount of benefits you received from Social Security in the previous year, so you know how much Social Security income to report to the IRS on your tax return.
An SSA-1042S is for a non citizen who lives outside the United States and received or repaid Social Security benefits last year. If you currently live in the United States and you need a replacement form SSA-1099 or SSA-1042S, simply go online and get an instant, printable replacement form with a my Social Security account at www∙socialsecurity∙gov/myaccount.
Read More, Scoop USA Media, March 8, 2019
For generations, Social Security has been evolving to meet your changing needs. In April, we celebrate National Social Security Month by letting you know what you can do online with a my Social Security account. Replacing a lost or stolen Social Security number (SSN) card has never been easier. You can request a replacement SSN card online in most states. There’s no need to sit in traffic or visit a local office or Card Center. As long as you’re only requesting a replacement card, and no other changes, you can use our free online service from anywhere. All you need to do is log in to or create a my Social Security account at
www.socialsecurity.gov/myaccount.
Read More, Scoop USA Media, March 15, 2019
March is Women’s History Month. It’s a time when we reflect on the achievements and contributions of our nation’s remarkable women. Many of these heroes might be people close to you: mothers and daughters, aunts, and grandmothers. Each of them plays a special role in our lives as they provide love and support.
Social Security plays an important role in providing economic security for women. Nearly 55 percent of the people receiving Social Security benefits are women. In the 21st century, more women work, pay Social Security taxes, and earn credit toward monthly retirement income than at any other time in our nation’s history.
Read More, Scoop USA Media, March 22, 2019
If you have higher income, the law requires an upward adjustment to your monthly Medicare Part B (medical insurance) and Medicare prescription drug coverage premiums. But, if your income has gone down, you may use form SSA-44 to request a reduction in your Medicare income- related monthly adjustment amount.
Medicare Part B helps pay for your doctors’ services and outpatient care. It also covers other medical services, such as physical and occupational therapy, and some home health care. For most beneficiaries, the government pays a substantial portion—about 75 percent--of the Part B premium, and the beneficiary pays the remaining 25 percent. If you’re a higher-income beneficiary, you’ll pay a larger percentage of the total cost of Medicare Part B, based on the income you report to the Internal Revenue Service (IRS). You’ll pay monthly Part B premiums equal to 35, 50, 65, 80, or 85 percent of the total cost, depending on the income you report to the IRS.
Read More, Scoop USA Media, March 29, 2019
Part of what makes our nation unique is our diversity. Social Security touches the lives of nearly all Americans; so, we’re accustomed to serving a diverse population.
Online, our People Like Me pages help inform the many different people we help. From people with disabilities to students and military veterans — Social Security is here for you. These pages are easy to share with friends and family or on social media. Here are just a few that might speak to you or someone you love.
Do you know someone who is just starting their career?
Now is the best time for them to start preparing for retirement. The sooner we begin to save, the more we’ll have when we reach retirement age. Share this page with a young worker you know. www.socialsecurity.gov/ people/earlycareer.
Read More, Scoop USA Media, April 5, 2019
In April, we celebrate National Social Security Month by letting you know what you can do online with a my Social Security account.
Last month we featured how you can replace a lost or stolen Social Security card, get a copy of your 1099 (SSA1099), and check the status of your Social Security benefit application or claim. This month we share three more advantages.
If you already receive Social Security benefits, you can set up or change direct deposit information online with a my Social Security account. In most cases, you are required to receive federal benefits electronically, so when you choose direct deposit, we will electronically deposit your funds directly into a bank account. If you do not have a bank account, you can choose Direct Express® and your funds will be electronically deposited into a prepaid debit card account. Direct Express® has no enrollment fee or minimum balance requirement to open or use the account.
Read More, Scoop USA Media, April 12, 2019
April is Financial Literacy Month and there’s no better time than right now to begin to save for your future. The earlier you start saving, the more you can accrue in a 401k individual retirement account and other types of IRAs. Social Security helps secure your future, but Social Security is only one part of a more complete retirement plan.
Financial literacy includes having access to not just the correct general information, but also to your personal financial information. You can open your own personal my Social Security account at www.socialsecurity.gov/myaccount/ and quickly have access to your information from anywhere.
Read More, Scoop USA Media, April 19, 2019
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