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DISCLAIMER - THIS WEBSITE IS NOT ENDORSED BY OR AFFILIATED WITH THE U.S. SOCIAL SECURITY ADMINISTRATION , OR ANY GOVERNMENTAL ENTITY.
 Carol Thomas has recently retired from the Social Security Administration after 28 years service. If you have any questions about Social Security, please ask. We will use the questions you send for future posts. I will never post anyone's name, or other identifiable information.
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Date Add : 09-25-2009
| Views : 166
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I will be 66 May 2 2010. I work and make 43,000 per year. I would like to begin to collect SS in Jan. 2010. How will I do this and is there a penalty? Should I wait until May?
Sincerely,
Jean
Support Replied ~ 08-28-2009 17:25:18
Dear Jean:
You should indeed start benefits for January instead of waiting. You might be reduced a small amount, but it would take years to make up the difference on the other end. You can file online by going to SSA.GOV. If you can, get your 09 earnings before you file so you can add them in when you do your application.
You should load it on in January, or if you are unsure about filing yourself, call and make a telephone appointment for January. You can go into your local office, but sometimes the wait times are ridiculous. Good Luck.....Carol
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DISCLAIMER -
You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".
"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.
Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.
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