retirement planning today for tomorrow’s future...retirement planning today for tomorrow’s...
TRANSCRIPT
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Retirement Planning Today for Tomorrow’s Future2019
Presented by: Jessica SrinivasanClaim Specialist Social Security Administration4990 S Clyde Morris Blvd Port Orange, Fl 32127866-210-8089
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RETIREMENT BENEFITS
How You Qualify For Social Security RetirementFactors To Consider When Deciding When To File
2www.socialsecurity.gov
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3www.socialsecurity.gov
• You need to work to earn Social Security “credits”
• Each $1,360 in earningsgives you one credit
• You can earn a maximumof 4 credits per year
Example: To earn 4 credits in 2019, you must earn at least $5,440. Earning 40 credits (10 years of work) throughout your working life will qualify you for a retirement benefit.
How You Qualify for Benefits
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4www.socialsecurity.gov
How You Know if You are Insured –The Online Social Security Statement will tell you www.socialsecurity.gov/myaccount
As part of cost-saving measures due to the continuing resolution, an agency decision was made to mail fewer paper Social Security Statements.
We will only mail Statements to people age 60 and over, who are not getting benefits, and don’t have a my Social Security account.
Individuals unable to create a my Social Security account can request a mailed Statement by visitingwww.SocialSecurity.gov/myaccount
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Your Age at the Time You Elect Retirement Benefits Affects the Amount
If You’re a Worker and Retire• At age 62, you get a lower monthly
payment
• At your full retirement age,
you get your full benefit
• Between your full retirement age and
age 70, you earn Delayed Retirement
Credits (DRC 8% per year), which
increases your monthly payment.
www.socialsecurity.gov
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File Early or Delay Filing? https://www.ssa.gov/OACT/quickcalc/early_late.html
www.socialsecurity.gov
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Percentages Based on Year of Birth
Year of Birth
Full Retirement
Age%
at age 62%
at age 70
1943-1954 66 75.0% 132.00%
1955 66 + 2 months 74.2% 130.67%
1956 66 + 4 months 73.3% 129.33%
1957 66 + 6 months 72.5% 128.00%
1958 66 + 8 months 71.7% 126.67%
1959 66 + 10 months 70.8% 125.33%
1960 or later 67 70.0% 124.00%
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How Social Security Determines Your Benefithttps://www.ssa.gov/pubs/EN-05-10070.pdf
Social Security benefits are based on your lifetime earnings• Step 1 –We adjust or “index” your actual earnings to account for changes in
average wages over time
• Step 2 –We find your average indexed monthly earnings using the 35 years in which you earned the most (do not need to be consecutive, do not need to be most recent, does not even have to a full 35 years)
• Step 3 –We apply a formula to your “average indexed monthly earnings” and arrive at your basic benefit or primary insurance amount
www.socialsecurity.gov
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http://www.socialsecurity.gov/pubs/EN-05-10070.pdf
FAQs related to benefit computation -www.socialsecurity.gov/faq
2019 Maximum Social Security Benefit Paid At Full
Retirement Age
$2,861
2019 Maximum Taxable Earnings
$132,900
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Retirement Estimatorwww.socialsecurity.gov/estimator
www.socialsecurity.gov
• Convenient, secure, and quick financial planning tool
• Immediate and accurate benefit estimates
• Lets you create “What if” scenarios based on different ages and earnings
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Example of the Results
www.socialsecurity.gov
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Social Security Benefits and Taxationhttp://www.socialsecurity.gov/planners/taxes.htm
www.socialsecurity.gov
** Combined income is: Your adjusted gross income+ Nontaxable interest
+ ½ of your Social Security = Your “Combined Income”
If you file as an “individual” and your combined income is:
• Between $25,000 and $34,000, you have to pay income tax on up to 50% of your benefits.
• More than $34,000, up to 85% of your benefits may be taxable.
If you file a “joint return” and your combined income is:
• Between $32,000 and $44,000, you have to pay income tax on up to 50% of your benefits.
• More than $44,000, up to 85% of your benefits may be taxable.
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AUXILIARY AND SURVIVOR BENEFITS
Other People Could Be Entitled On Your RecordWhen You File Affects The Survivor Benefit
13www.socialsecurity.gov
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Other Benefits on the Retiree’s Record
Your Child• Not married-under 18 (under 19 if still in high
school)
• Not married and disabled before age 22
Your Spouse • Age 62 or older
• At any age, if caring for a child under age 16 or disabled
www.socialsecurity.gov
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Divorced Spouse’s Benefits
• Marriage lasted at least 10 years• Be unmarried at the time of filing• Ex-spouse 62 or older • Divorced at least two years and you
and your ex-spouse are at least 62, he or she can get benefits even if you are not retired
• Ex-spouse’s benefit amount has no effect on the amount you or your current spouse can get
www.socialsecurity.gov
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Survivor Benefits
Widow or Widower:• Full benefits at full retirement
age
• Reduced benefits at age 60
• If disabled as early as age 50
• At any age if caring for child under 16 or disabled
• Remarriage after age 60 (50 if disabled)
• Divorced widow/widowers may
qualify
Your Child if:
• Not married under age 18 (under 19 if still in high school)
• Not married and disabled before age 22
www.socialsecurity.gov
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Computations
• Benefit is 50% of worker’s unreduced full retirement amount (not age 70)
• Reduction for early retirement
• If spouse’s own benefit is less than 50% of the worker’s, the benefits are combined
• Does not reduce payment to worker
50% -Spousal Benefits
You could be entitled up to half of your spouse's benefit.
www.socialsecurity.gov
100% -Survivor BenefitYou could be entitled up to 100% of your deceased spouse’s (divorced
spouse’s) benefit• You will be entitled up to 100% of a deceased
spouse's (divorced spouse’s) benefit or your own, whichever benefit is higher
• At full retirement age, 100% of deceased worker’s unreduced benefit
• At age 60, 71.5% of deceased worker’s unreduced benefit
• Reduced benefits on one record at age 60, reduced or unreduced benefit on other record at age 62 or older
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How to Work and Receive Benefits
Note: If some of your retirement benefits are withheld because of your earnings, your benefits will be increased starting at your full retirement age to take into account those months in which benefits were withheld.
If You Are You Can Make Up ToIf You Make More,
Some Benefits Will Be Withheld
Under FRA* in 2018Under FRA* in 2019
$17,040/yr. ($1,420/mo.)$17,640/yr. ($1,470/mo.)
$1 for every $2
Turning FRA* in 2018Turning FRA* in 2019
$45,360/yr. ($3,780/mo.)$46,920/yr. ($3,910/mo.) $1 for every $3
Month You Attain Full Retirement Age &
ContinuingNo Limit No Limit
www.socialsecurity.gov
*FRA = Full Retirement Age
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How to apply for benefits
www.socialsecurity.gov
• You can apply for benefits three months before you want your payments to start.
• Benefits are paid the month after they are due. (Go to https://www.ssa.gov/pubs/EN-05-10031.pdf for a payment calendar)
• Apply online at www.socialsecurity.govIt is the most convenient way to apply; or
• Call Social Security to schedule an appointment 1-800-772-1213 (TTY 1-800-325-0778)
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STRATEGIES
If You Change Your MindFile And SuspendDeemed Filing Rules
20www.socialsecurity.gov
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If you change your mindhttp://www.socialsecurity.gov/retire2/withdrawal.htm
www.socialsecurity.gov
Unexpected changes may occur after you makeyour decision about when to start your SocialSecurity Retirement benefits.
You may be able to withdraw your SocialSecurity claim and re-apply at a future date.
• The withdrawal must be within 12 months of when you became entitled to retirement benefits.
• You are limited to one withdrawal per lifetime.
• You must repay all the benefits you and your family received.
• If you’re also entitled to Medicare, you will need to decide whether or not you’re also withdrawing Medicare.
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File and Suspendhttps://www.ssa.gov/planners/retire/suspend.html
www.socialsecurity.gov
Effective April 30, 2016 If you suspend your benefits, everyone else collecting on your record is suspended as well with the exception of divorced spouses. Also, if you do suspend your benefits, we will only permit reinstatement beginning with the month after the month of the request.
• If you have reached full retirement age, not receiving a reduced benefit, but are not yet age 70, you can ask to suspend your retirement benefit payments.
• If you suspend your benefits, they will start automatically the month you reach age 70.
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New Deemed Filing Rules https://www.ssa.gov/planners/retire/applying6.html
For those born BEFORE
January 2, 1954
www.socialsecurity.gov
At your full retirement age, you can choose to receive only spouse’s benefits and delay receiving your retirement benefit until a later date.
For those born on January 2, 1954 or
LATER
You do not have the option of filing for just spouse’s benefits. If you file for spouse’s benefits, you must also file for retirement benefits.
Basically, you file for one benefit and you will be effectively filing for all retirement or spousal benefits.
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MEDICARE
Who Gets ItFour PartsWho Can Help
24www.socialsecurity.gov
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Medicare Eligibility
www.socialsecurity.gov
65 & older
-or-24 months after entitlement to
Social Security disability benefits
-or-Amyotrophic Lateral Sclerosis
-or-Permanent kidney failure and receive maintenance dialysis or
a kidney transplant
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The Four Parts of Medicare
www.socialsecurity.gov
Part A - Hospital Insurance• Covers most inpatient hospital
expenses
• 2019 deductible $1,364
Part C – Medicare Supplement Insuance
• Health plan options offered by Medicare-approved private insurance companies- Additional premium is required
• Can help pay some of the health care costs that original Medicare doesn’t cover, like copayments, coinsurance and deductibles
Part B - Medical Insurance• Covers 80% doctor bills & other
outpatient medical expenses after 1st
$185 in approved charges
• 2019 standard monthly premium $135.50
Part D –Prescription Drug Coverage• Covers a major portion of your
prescription drug costs
• Your out-of-pocket costs—monthly premiums, annual deductible and prescription co-payments—will vary by plan
• You enroll with a Medicare-approved prescription drug provider not Social Security
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For More Information on Medicare
www.socialsecurity.gov
Center for Medicare and Medicaid Services (CMS):
www.medicare.gov1-800-633-4227
FloridaMedicare/Medicaid Assistance Program
(MMAP):www.floridashine.org
1-888-242-4464
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MY SOCIAL SECURITY
Creating An AccountSocial Security StatementReplacement DocumentsBenefit And Payment Details
28www.socialsecurity.gov
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www.socialsecurity.gov
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my Social Security – What You Can Do in Your Account
www.socialsecurity.gov
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Social Security Statement
www.socialsecurity.gov
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Earnings Record
www.socialsecurity.gov
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What else can you do in mySocialSecurity?
www.socialsecurity.gov
Replace Documents:
• Social Security Card• SSA-1099• Medicare Card
Get a Benefit Verification Letter:If you need proof that you are receiving Social Security benefits, Supplemental Security Income (SSI), and/or Medicare, or that you are not getting benefits, you can request a benefit verification letter online. This letter is sometimes called a "budget letter," a "benefits letter," a "proof of income letter," or a "proof of award letter."
Check the Status of your application or appeal:The service provides detailed information about retirement, disability, Medicare, and Supplemental Security Income applications and appeals, filed either online at SocialSecurity.gov or with a Social Security employee.
View or Update your Contact Information:People receiving Social Security (Retirement, Survivors and Disability) benefits and those enrolled in Medicare can use my Social Security to change their address and other contact information.
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Benefit and Payment Details
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Frequently Asked Questions at Your Fingertips
www.socialsecurity.gov
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Contacting Social Securitywww.socialsecurity.gov/agency/contact/
www.socialsecurity.gov
Visit the website
www.socialsecurity.gov
Call the toll-free number
1-800-772-1213Specific questions can be answered from 7 a.m. to 7 p.m., Monday through Friday. Information is provided by automated phone service 24 hours a day.
If deaf or hard of hearing, call Social Security’s TTY number, 1-800-325-0778.
Visit a local office
Most offices are open to the public Monday, Tuesday, Thursday and Friday from 9 a.m. to 4:00 p.m. and Wednesdays from 9 a.m. to 12:00 p.m., except Federal holidays.