topic Re: Social Security, need help determining the amount in Community Chat

Social Security, need help determining the amount

AnnMarie-1 — Tue, 18 Jan 2022 15:59:09 GMT

I am 62 & 2 months now

Considering you do not get your first check for 3 months, I ask this:

If I apply now, when I do get a check is the paid amount based the date I applied at 62 & 2 months

does it add on the 3 months & you get the 62 & 5 months amount?

Thank you,

Re: Social Security, need help determining the amount

jackthebear — Tue, 18 Jan 2022 16:06:35 GMT

have you called them?

they are very helpful

Re: Social Security, need help determining the amount

Kachina624 — Tue, 18 Jan 2022 16:07:48 GMT

@AnnMarie-1 Suggest you contact the Social Security Administration. Such questions asked here are rife with misinformation. Contacting them is very easy.

Re: Social Security, need help determining the amount

AnnMarie-1 — Tue, 18 Jan 2022 16:10:29 GMT

I just tried calling the 800 # & they said no one available at the moment & to call back & hung up, too funny, not even put on hold

Re: Social Security, need help determining the amount

Mz iMac — Tue, 18 Jan 2022 16:10:35 GMT

Or go to your local SS office.

**take notes** Better yet tape record them w/their permission of course.

Re: Social Security, need help determining the amount

AnnMarie-1 — Tue, 18 Jan 2022 16:20:53 GMT

Not going to be easy to talk to someone as they say to call another time & disconnect your call, great

Re: Social Security, need help determining the amount

AnnMarie-1 — Tue, 18 Jan 2022 16:12:32 GMT

I might have to go in person, yes

Re: Social Security, need help determining the amount

Mmsfoxxie — Tue, 18 Jan 2022 16:13:39 GMT

Judging by the few cars I see in the social security parking lot that I pass by, they are only seeing you in person by appointment. So, you still have to call.

Re: Social Security, need help determining the amount

Sooner — Tue, 18 Jan 2022 16:19:57 GMT

@AnnMarie-1 wrote:
Not gping to be easy to talk to someone as they say to call another time & disconnect your call, great

@AnnMarie-1 Nothing about SS is "easy" I've found. Just call and call and when you get put on hold, put the phone on speaker, go about your business and wait.

Going to the office is waiting with a lot of people. Can't you go online and get the information? I think they have places where you can calculate the information and play around with the numbers.

Re: Social Security, need help determining the amount

AnnMarie-1 — Tue, 18 Jan 2022 16:20:14 GMT

Local SS phone #'s are no good, won't even ring LOL

I'll keep trying the main SS phone # & if I find out I will let you know!

Re: Social Security, need help determining the amount

AnnMarie-1 — Tue, 18 Jan 2022 16:25:39 GMT

@Sooner , I know my personal pay out numbers, I signed up on-line. Just don't know if I get the amount the date I file (62 & 2 months) or since first check is in 3 months, do I get that extra amount (62 & 5 months)

Re: Social Security, need help determining the amount

AnnMarie-1 — Tue, 18 Jan 2022 16:26:31 GMT

I just thought someone knew, I will find out & let you all know

Re: Social Security, need help determining the amount

Sooner — Tue, 18 Jan 2022 16:29:24 GMT

@AnnMarie-1 wrote:
@Sooner , I know my personal pay out numbers, I signed up on-line. Just don't know if I get the amount the date I file (62 & 2 months) or since first check is in 3 months, do I get that extra amount (62 & 5 months)

@AnnMarie-1 I think it is when you file that the amount is settled, but I don't KNOW. But would it make that much difference in the amount?

Or are you talking about back pay for the months before the check starts? As I remember there is a lag time, so the check just starts on a certain date and there is no back pay for the months before the starting time.

But I am old and don't remember the specifics!

Re: Social Security, need help determining the amount

AnnMarie-1 — Tue, 18 Jan 2022 16:33:55 GMT

@Sooner ha ha, you are not old!

No, not looking for back pay

I know the amount difference is not much but I want the extra few bucks if I can LOL

Re: Social Security, need help determining the amount

Love my grandkids — Tue, 18 Jan 2022 16:40:14 GMT

@AnnMarie-1 SS doesn't do paper checks anymore. It's either direct deposit (mine) or you receive a debit type card. A few much older recipients *may* still be getting paper checks, not sure about that.

Re: Social Security, need help determining the amount

AnnMarie-1 — Tue, 18 Jan 2022 16:42:52 GMT

@Love my grandkids

No problem with how I would receive it, thank you for your kindness about payment form

Re: Social Security, need help determining the amount

Linmo — Tue, 18 Jan 2022 16:58:32 GMT

@AnnMarie-1 From the SSA website:

If you've already reached full retirement age, you can choose to start receiving benefits before the month you apply. However, we cannot pay retroactive benefits for any month before you reached full retirement age or more than six months in the past.

As others have posted, it's best to check with SSA, but at 62, you are not full retirement age, even though you can collect SSA. For every month over 62 that you are when you start collecting, you will receive a little higher monthly benefit than you would have at 62.

Here's the link to the article:

https://www.ssa.gov/benefits/retirement/planner/delayret.html

There's also a chart with the percentages for every month over 65:

https://www.ssa.gov/benefits/retirement/planner/1959.html

At 62 + 5 months, you would receive 1.2% more per month than at 62 + 2 months.

Re: Social Security, need help determining the amount

GingerPeach — Tue, 18 Jan 2022 16:47:39 GMT

@AnnMarie-1

I'm guessing you already know if you wait until full retirement age instead of starting now at 62, the checks will be larger.

I found that the difference each month is 2/3 of 1%, but I don't know the answer to your specific question about the starting date.

Re: Social Security, need help determining the amount

lovescats — Tue, 18 Jan 2022 16:50:54 GMT

can you apply online? that's what I did

Re: Social Security, need help determining the amount

lizzys — Tue, 18 Jan 2022 17:00:27 GMT

@AnnMarie-1 I received the amount that I was quoted online the day I applied and that was 2 years ago.

I know your frustration about trying to call. I have been trying to report unemployment fraud in my state after I was notified that they needed to prove it was me 15 days ago. Same thing, it says sorry and to call back later. I finally got in contact this morning but was disconnected.