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4	"Age 65 or older" Age 65 or older Blind -- any age Disabled -- any age Limited income Limited resources
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8	You Need to Work to Earn Social Security Credits Each $900 in earnings gives you one credit You can earn a maximum of 4 credits per year EXAMPLE: To earn 4 credits this year, you must earn at least $3,600
9	Your Age When You Retire Affects Your Benefits If You’re A Worker and Retire: At age 62, you get less money permanently At your full retirement age, you get your full benefit You get even more money if you work past your full retirement age
10	In Addition to the Retiree, Who Else Can Get Benefits? Your Spouse At age 62 At any age if caring for child under 16 or disabled Divorced spouses may qualify Your Child Not married under 18 (under 19 if still in high school) Not married and disabled before age 22
11	"Year of Birth" Year of Birth Full Retirement Age 1937 65 1938 65 & 2 months 1939 65 & 4 months 1940 65 & 6 months 1941 65 & 8 months 1942 65 & 10 months 1943-1954 66 1955 66 & 2 months 1956 66 & 4 months 1957 66 & 6 months 1958 66 & 8 months 1959 66 & 10 months 1960 & later 67
12	"Social Security benefits are based..." Social Security benefits are based on earnings: Step 1 - Your wages are adjusted for inflation Step 2 - Find the average of your 35 highest earnings years Step 3 - Result is “average indexed monthly earnings”
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16	"Normal Computation" Normal Computation WEP Computation 90% of first $606 40% of first $606 32% of next $3,047 32% of next $3,047 15% of remainder 15% of remainder
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18	"Spouse’s Benefits Only" Spouse’s Benefits Only 2/3 of amount of Government pension will be used to reduce the Social Security spouse’s benefit
19	"If You Make More" If You Make More, You Can Make Some Benefits Will If You Are Up To Be Withheld Under 65 $11,640 ($970/mo.) $1 for every $2 65 (Full Retirement Age) $31,080 ($2,590/mo.) $1 for every $3 Full Retirement Age No Limit & Above
20	"If You Are a Widow..." If You Are a Widow or Widower: Reduced benefits at age 60 If disabled benefits, as early as age 50 You can get benefits at any age if caring for a child of worker under age 16 or disabled Divorced widows/widowers may qualify If Your Child Is: Not married under age 18 (under 19 if still in high school) Not married and disabled before age 22
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23	"Must have paid into Social..." Must have paid into Social Security five out of last 10 years
24	"Not married under 18 (..." Not married under 18 (under 19 if still in high school) Not married and disabled before age 22
25	"65 & older" 65 & older or Receiving Social Security disability benefits at least 24 months or Permanent Kidney failure
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28	"Call the year BEFORE you..." Call the year BEFORE you retire All information can be obtained by phone
29	"Social Security number for" Social Security number for each applicant Proof of age (birth certificate) Latest W-2 or self-employment tax return Earnings estimate
30	"Request Your" Request Your Social Security Statement for: Estimates of benefits at different retirement ages Different wage estimates
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