If you’re an American wondering about how you’re going to be able to keep on affording your bills, or you’ve been looking for some help with your expenses for a while now, then you probably have a general knowledge around the basics of social security.
Social security is an opportunity for economic balance and support for millions of Americans around the country, ranging all the way from people with disabilities, to retirees, and families of those who have retired. About 169 million Americans currently pay social security taxes, and another 61 million are collecting social security benefits. This means that around one family in four are currently using social security to help pay for expenses.
Of course, before you can begin collection social security benefits, you’ll need to find out about social security locations where you can go to apply for and collect the money you need. There’s a good chance that you have a social security office situated somewhere close to you, and you can often find your nearest location simply by putting your zip code into the social security location web page online.
Before you visit one of the social security locations, you should probably think about checking the online services pages of the SSA website to see whether you might be able to complete your applications online, saving yourself some money and time.
Start your Search Online:
Before you go and check out social security locations, you should think about looking at the options available online. There are about 10,000 people in the United States that turn 62 every day, which means that if you do choose to visit your local social security office, you’re going to have to deal with some pretty lengthy waiting times. Obviously, this isn’t ideal for most people, and it’s generally a much better option to look at what you can do online first.
Additionally, if the reason you want to find Social Security Locations is that you have questions about your claim options, then the local social security office might not be the ideal place for you to find the answers that you need. Staff workers in these offices aren’t trained to provide advice on the choices that you have from a financial perspective, and many actually don’t know very much about the process of applying for new social security opportunities either.
If you want to make sure that you’re choosing the right solution for your financial needs, then the best thing you can do is start by speaking to a financial professional. What’s more, if you’re tracking down social security locations because you want to file for retirement benefits, it’s worth making sure that you’re choosing a solution that gives you the most lifetime income possible before you go. Many people make mistakes when they go to claim benefits, and these mistakes can potentially cost them thousands of dollars.
For instance, many married couples neglect to think about survivor benefits, and this means that they don’t claim in a way that provides them with the most income for a surviving spouse. While this might not be something you want to think about, it’s important to ensure your widow has plenty of money to live comfortably in her later years.
What if You Don’t Live in the United States?
If you live in the US, then you should find that looking for social security locations is simple enough. There are plenty of options to choose from, and as mentioned above, you should be able to conduct a lot of social security transactions online, so that you don’t have to attend an office in person.
On the other hand, if you live outside of the United States, you might need to rethink your options. There are some social security locations in field office spaces throughout the British Virgin Islands, Canada, and even Samoa. You’ll need to visit the web page specifically designed for these individuals if you want to get more information about applying for social security outside of the US.
Additionally, whether you’re located in America or not, it’s worth making sure that you’re prepared before you go to one of the social security locations you find. After all, no one wants to have to make various trips to a government office. This means that before you go, you should make sure that you have the right documentation with you. Original documents are necessary, so you will need to ensure that you don’t accidentally take copies instead.
If you’re concerned that you’re not sure which documents you’ll need to take with you, it’s important to check up on the requirements on the social security website to save yourself some time, and avoid the chance that you’ll need to return to the office again at a later stage.
Coordinating Your Social Security and Work Earnings:
If you decide to claim your social security benefits early, and you’re planning to continue your career at the same time, you should make sure that you read up on the details around the social security earnings limit before you begin your application. These rules and regulations could reduce the amount of benefits you’re capable of earning if it means that you exceed your year’s earning limit.
Many people file for social security at the age of 62 and they continue to work at the same time because they believe that they will get both their full wages, and their full amount of social security benefit. However, the truth is that if you earn too much, you’ll end up getting a letter from Social Security that explains your current benefits will have to be reduced. This can be quite a shock to people who were expecting to get a larger income.
The good news is that the earning limit doesn’t apply when you reach your full retirement age. The age that is classified as your full retirement age will depend on the year you were born in. You will also need to make sure that you’re familiar with how social security benefits and taxes work if you want to get the most out of your social security experience, otherwise you could risk getting a very large bill when April arrives.
Remember, planning for your retirement with social security benefits can be a complicated process, and it’s important to make sure that you understand the circumstances before you start looking for social security locations to make your application.