Thanks for the feedback and the NRP story, will listen to that later this week! The Social Security age will probably be raised in the future due to the shortfalls and people living longer. I have not dug deep into this are yet, but the spouse thing jumped out at me at first run through. My theoretical return on an investment, after inflation, would be (1.07)35 = 10.68. Is the spouse required to be of retirement age? search. Social Security numbers are issued by the Social Security Administration (SSA) to all US citizens and permanent residents. My takeaways were: Assuming you have to take money out of the market instead of taking SS. Those are some pretty specific ifs. The Social Security Administration has been in place for more than four decades, beginning life as the Social Security Board in 1935, when then President Franklin D. Roosevelt signed the Social Security Act. You run your AIME through a formula similar to a tax table: Take 90% of the first $895, then 32% of the next $4500 or so, and then 15% for everything after that. Maximizing dollars isn't the only goal. DW files spousal but restricts her earnings so that her SS continues to grow until we both file for our earnings at 70. You might also need to answer questions about the deceased’s family, financial and Social Security status, as enumerated in Social Security form SSA-8. Depending on how much the job pays, you may only have to hold it for a few months. Your Social Security number is the most important piece of personal information a bank needs when extending … For me personally, my value added drops to about $19,000 per year until I hit the upper threshold in around 2043, then it drops to about $9000 per year. If you retire before you hit 40 credits, adding small part time work to get the credits needed, could be worth significantly more than your check from the actual job. If you have more than 40 credits, your AIME is calculated by taking your average monthly earnings from your 35 highest earning years, adding zeros if necessary. Best plan! Resources for Retirement, Disability (SSDI), Medicare, & more. As I thought about that notion, mentally I thought it doesn't seem like a one size fits all equation. Policy proposals such as the Social Security 2100 Act can have different effects on people depending on their age, education, family type, income, savings and many other factors.. This post shows exactly why. Get a job. Plan for diminishing SSA returns when you get there. If I delay SS and die early, I miss out on benefits, but since I am dead, I don't care so much. For information, see the SSI Spotlight on Windfall Offset. You can earn up to 4 credits per year worked, and each credit requires some amount of income. Those Exempt From Social Security Taxes. By wait until you're 70 understand that's filing on YOUR OWN record. Mine is 7 years younger than me, so how does a file and suspend, but take the spousal benefit work? https://www.ssa.gov/OACT/quickcalc/index.html, That's the one! If you don’t pay into the system when you work, then you can’t collect the income benefits later in life. It only determines if you are eligible or not. "What we have are scammers who have decided that it's … You can earn a maximum of four credits for any year. There are positive and negative scalars that adjust your monthly payout between ages 62 and 70, with the base being 67. So benefit for each should be close to ~2000 a month in today's dollars. Social Security in India: In India, social security measures were introduced around 5 years after independence. Older workers who are approaching retirement face a … How much is each year worth once you've already qualified? I did some calculations on my own and posted my results in a thread here a month ago. Social Security, in most cases, is not a substitute for retirement savings. This program came into effect on the 24th of February in 1952. That's likely enough for that credit because the threshold for it is absurdly low. If you begin withdrawals at age 62 you get only 70% (for the rest of your life), if you wait until 70 you get 124% (for the rest of your life). My plan is to spend my 60's converting my traditional retirement accounts almost entirely entire Roths, so that I avoid paying that kind of taxation, while getting a higher Social Security payout. Social Security Office Phone Number. Another thing: you will have minimum distributions on your retirement accounts at 70, so you may consider that you should draw on that and live on that until 70 or whatever, then less to take out at 70. Also, remember trust funds will run out without policy changes. I'll be age 32 when I jump down to the $19,000 per year threshold. Nearly every American worker — as well as their employer — is required to pay Social Security and Medicare taxes, including the self-employed. search. This is slightly more complicated if I consider the bequest I may leave for heirs, but the principle is the same. The amount needed for a credit in 2021 is $1,470. Applying this method to the SS value added in the first phase (qualifying) and we can see effective additional savings of $5,000 or more. Phone Number: 1-800-772-1213. "generality" is to wait until 70 as long as you're in good health. Used to be that was the rule. It's all rolling the dice. DW files spousal but restricts her earnings so that her SS continues to grow until we both file for our earnings at 70. If I take benefits early but I live extra long, then I run out of money and I care a lot. Ok, so that is pretty substantial. Since Social Security is “primary”, the offsetting reduction is applied to as against the FERS Disability annuity. I was interested in the formulas and math behind social security today. There is a cap somewhere I think. Our plan is file and suspend at 66. Or does it work just for the lower earning spouse? However, if you've misplaced your Social Security card and don't remember your number, you may be able to find it on another document. What is missing from a lot of the analysis is that the cases are not equivalent. Great so that is how it works. This is the "after growth" value. This can add $50,000 to your benefit. The amount needed to earn one credit increases automatically each year when average wages increase. But you can still do things ilke take your spouse's social security for a few years. Now lets see what each additional year of work really means for me (our example). The motivation behind this study is to determine how valuable SS payments are. Takeaway Number 1: Be sure you qualify for SS if possible. I was also curious how spousal benefits work in terms of each spouses age. I'll know more about my health at 62 and can gauge life expectancy better. Find more subreddits like r/SSDI -- Matters related to SSDI (Social Security Disability Insuranc) (unofficial) reddit.guide. Scams trying to steal your Social Security information are on the rise. But remember this isn't the same as savings in today's money. When pressed into whether or not they think that those … Thanks, I was really excited to hear about ssa.gov until I found out I have no fucking idea what address or phone number they supposedly have on file so I can't make an account or see anything. This is worth about $132,000 using the 4% rule. If you have less than 40 credits, you get nothing. We hope for the best but who knows. Maximizing safety and lifestyle choices even in the event of a long life probably is. WHEN DOES DEEMED INCOME APPLY? Ideally, you know where your Social Security card is and can check it if you can't remember your number. Social Security looks only at "earned income" in its calculations. We use cookies on our websites for a number of purposes, including analytics and performance, functionality and advertising. Because the final value at 40 credits is nearly $300,000 and I won't be eligible at all unless I hit 40 credits. We reduce your Social Security benefits by the amount of SSI you would not have received if we had paid you Social Security benefits when they were due. Simple and Fast Filing For Social Security Card. So my social security card was processed 10 days ago and arrived 5 days ago, I still have not received my ID back in the mail and it’s starting to … reddit: the front page of the internet Retirees who worked 40 quarters, 10 years, under social security are eligible for social security retirement benefits as early as age 62, but benefits are permanently reduced for each month of entitlement prior to the full-benefit retirement age, currently age 65. I had planned on retiring early and working part time for 2 years to get the 40 but wasn't sure if it's was worth it. I'm 10 years older than my wife. There's also taxes to consider. If you are a SERS retiree who also is eligible for a Social Security benefit, you may be affected by federal law regulating Social Security benefits. Mon-Fri 9 am - 4 pm, except Wed 9 am - 12 pm. What will my retirement benefits be worth then when I qualify for them, assuming I make the same wage as 2017? Those depend upon a bunch of factors. That's an unbelievably slick tool. A Social Security bridge payment can significantly boost your lifetime retirement income. I then looked at a retirement withdrawal calculator and input 2025/mo with 2% increases and looked at the account balance after 8 years (age 70). So i was filling out my 2020 tax return info on H&R Block's free tax filing system and i came across an odd figure on one of my W-2s. I won't make the decision until 62. All numbers below assume age 67 benefits. Social Security and CSRS. I might work longer. After a year you are stuck with your decision and no more do over. Takeaway Number 2: Social Security Benefits ramp down quickly after you qualify. The sum of these numbers is your PIA, which is basically your payment per month if you begin withdrawals at age 67. I'll know what the current interest rates are so if low, I could HELOC for income or SS. So each year between now and 40 credits are worth an even share of the value. You must earn at least 40 Social Security credits to qualify for Social Security benefits. With two years of working in a post college job, and some work done before I've "saved" $132,000 more retirement dollars than I actually thought. Guess I’ll have to go get a 2nd job at some point in my career to get that last credit. When I finally qualify in the middle of 2022, i'll be eligible for $930 in monthly payments, or $280,000 in SS equivalent wealth. In the first half of this year, people filed nearly 73,000 reports of Social Security impostors, reporting losses of $17 million. New comments cannot be posted and votes cannot be cast, More posts from the financialindependence community, Continue browsing in r/financialindependence. Wait, not really. Is that nof the case anymore? E-Records is not affiliated or endorsed by the Social Security Administration or any other legal or government agency. You must earn a certain number of credits to qualify for Social Security benefits. The country where a resident pays social security contributions is also the place where he is insured for the basic health insurance. SS comes out ahead: If the market averages less than 8% during your period. You retain 90% of your earned income average up to that $895 value. See Social Security's coronavirus page or call your local office for more information.] The math is simple: if I work that year I'll have $300,000 worth of retirement income, if I don't I'll have nothing. Our plan is file and suspend at 66. I read a lot on this sub and on blogs about holding out for SS benefits as long as possible to lock in that highest possible monthly benefit. The most common way to summarize the effects on different types of households is through a static distributional analysis. arrow_drop_down. Social Security Office Location. Thank you for this. If no changes are made to the program, starting around 2035 or so, actual payout is going to be about 75% of the currently promised numbers. Remember at 65 you can (and should) file and suspend your own benefits, but file for spousal benefits on your spouse (you gotta have a spouse... that's how they get ya.). Social security contributions and income tax have a completely different set of rules. We are still accepting mail and online applications. I recently got my SSA reminder email to check benefits, and I was then wracking my brain trying to remember that site where you could paste in your earning record. Open a company. This book is pretty good: http://www.amazon.com/Social-Security-Strategies-Optimize-Retirement/dp/0615457533. 1-866-964-1236 or TTY: 1-530-246-5055. Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. The only mitigating factor left for me is windfall since I'll have another retirement payment. Each quarter credit for 2018 takes $1,320 of income, so if you earn $5,280 in 2018 you'll get 4 credits, even if you only work for a short amount of time. We come from long living bloodlines. Probably not enough to keep me in the work force. Below is a list of just a few things someone can do with your SSN if they get their hands on it. The number of credits does not affect the amount of benefits you receive. Can I somehow get her spousal benefit? If you have the time Laurence Kotlikoff goes into pretty specific exampled on NPR answering questions about the best time to take Social Security. Even at minimum wage you'd only need to work full time for around 8 months. You may need to provide the late worker’s birth and death certificates and other documents. You earn Social Security credits when you work and pay Social Security taxes. You need 40 credits to qualify for SS income. After that you retain only 32% of each dollar up to about $5400 per month, and 15% over that. This is my social security earnings table pulled from the social security website, rounded, and context added. If high bonds/stocks may be better. I will say that people that are in their 60's value very predictable money (SS), much more than they value potentially more money. Once these reserves run out, people and employers will still be paying the required Social Security payroll taxes, though that money is expected to cover only 76% of expected future benefits. At least that's how it works for my numbers. This is worth about $132,000 using the 4% rule. The advice below is pretty much spot on. Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. For example, if your SS gives you $1000 per month, we can use the 4% rule and determine that the SS payment is worth about $300,000. The system drops off quickly once you meet two thresholds, the $895 AIME cutoff (I hit this in my first 10 years), and the qualification cutoff. 5 years ago. Getty. So...the odds are in your favor to take it as soon as possible, too. TL;DR: There is a pretty significant advantage in hitting your qualification for SS benefits (40 credits). At its core, FI/RE is about maximizing your savings rate (through less spending and/or higher income) to achieve FI and have the freedom to RE as fast as possible. But generally, if you're in good health, you want to delay taking it for as long as possible. So right now I am sitting at 20 credits, I am not eligible for social security. The Social Security 2100 Act: Who Wins and Who Loses? Driving Directions. Remember things can/will be fluid as you get older. Liberal politicians continually push for ever-larger entitlement programs. You can get your 7 credits in far less than 2 years. And since women generally live longer than men on average, I may wait as long as possible so that she can pick up my SS when she hits whatever age she takes it and i'd hope she'd wait until 70 so she could live comfortable. The key significant part of this though is that, my value added to my SS benefits allocation is actually $59,400 per year! Visit the Grey subreddit: http://reddit.com/r/cgpgreySpecial Thanks:Stephen P. Morse, PhD. The number I am using is just to show how much money you'd need invested in your bond/stock mix to replicate the checks you'd get from SS using the 4% withdrawal rule. Value Total By Year Worked: https://i.imgur.com/rbWsNXw.png, Value Added Per Year: https://i.imgur.com/QnRymMW.png, S&P500 Invested Equivalents Per Year To Match SS: https://i.imgur.com/aTwiIgA.png, Sheet with some formulas, feel free to make a copy: https://docs.google.com/spreadsheets/d/1TxNpdIsOIuJO_4DtPj5_tuT04cLT4IKRKRl-y9ACFd0/edit?usp=sharing. Pay the $450 ss. And to think the government made it! So you could get a job near the end of 2018 to earn 4 credits, keep that job through the beginning of 2019 to earn 3 more credits, then quit and have 40 credits total. The next threshold to hit is the $895 AIME first bend cut off. I'm not planning on getting any Social Security, so I'll either take it out once elegible or wait until the first market crash if the market is doing well. The added value of working past that decreases substantially. More than 35,000 people reported Social Security imposter scams to the Federal Trade Commission in 2018, up from 3,200 in 2017. Looks like you're using new Reddit on an old browser. Likewise, I'll know of any new rule changes to SS and can plan around them at that time. If I was eligible today, my AIME would be $489 per month, and the payout would be 90% of that, yielding $440 per month. Depending on your marital status and their lifetime earning can change the answer. That pretty much sums up what I know. Press question mark to learn the rest of the keyboard shortcuts. Free college, Medicare for all, a Universal Basic Income, expanded Social Security, etc. Joe Biden’s plans for Social Security and Supplemental Security Income would lift 1.4 million Americans out of poverty in its first year, a new analysis found, along with guaranteeing the payout of full benefits for another five years. So if I work until I get 40 credits, it will take me (20/4) = 5 more years, or until I hit $5000 earned income in 2022 (adjusting for inflation as needed). Say my wife and I are both finish our careers roughly near the same benefit level (example target the second bend point @ ~4900). Although the Social Security Board of Trustees has reported that Social Security trust fund reserves will likely run out by 2034, it doesn’t mean that the program will come to an end. Social Security Credits. Great write up by the way! Quit. If the market crashes, its a good alternative to selling in a down market. So if we divide $19,000 by 10.68 we get our true equivalent savings rate: $1779 per year. See http://www.bogleheads.org/wiki/Taxation_of_Social_Security_benefits. So right now I am sitting at 20 credits, I am not eligible for social security. Please share corrections, and other knowledge I've missed. FYI, the "break even point" seems to be around 79 years old. The TLDR is that it's really complicated. It could also work well in terms of MRD from an Ira/401K, New comments cannot be posted and votes cannot be cast, More posts from the financialindependence community, Continue browsing in r/financialindependence. The savings are significant. Social Security, an idea that originated among German socialists in the late 1800s, is based on the Marxian principle of from each according to his ability, to each according to his need. This chart shows the value at different age brackets: https://i.imgur.com/L4VUKea.png. This would mean living until 82-85. You won't get paid out the full value I am using above most likely. Earning 4 credits in a year doesn't actually require you to work 4 quarters that year, it's based on income. Work for a day. As a result, your Social Security benefit may be reduced by either the Government Pension Offset (GPO) or the Windfall Elimination Provision (WEP). It is what you would theoretically have at age 67, removing all inflation. http://www.amazon.com/Social-Security-Strategies-Optimize-Retirement/dp/0615457533, http://www.bogleheads.org/wiki/Taxation_of_Social_Security_benefits. Social Security is the United States' national pension program. What I did was look at the expected return from 62 to 70, without drawing down. If I was eligible today, my AIME would be $489 per month, and the payout would be 90% of that, yielding $440 per month. It seemed to be that after about 12-15 years, in the various scenarios I ran, holding out for the bigger SS payment would make more sense. You are really going to like this tool: https://socialsecurity.tools/app.html. So, FI, what route are you thinking of taking (or have you taken?). Social Security numbers are wrapped up in most aspects of Americans’ lives—employment, medical history, taxes, education and bank accounts, to name a few. I'm by no means near retirement age, but I was curious regarding how people think about managing their SS benefits. But we'll see how it goes. We provide online application assistance for the Social Security Card application, we help you avoid being rejected for possible mistakes in the application filing process. This is a place for people who are or want to become Financially Independent (FI), which means not having to work for money. Box 4, Social … I'll have a better idea of current tax law and can optimize to reduce taxes. Good information. If her benefit is above the amount she can get as a spouse off mine then doesn't it cancel the spouse benefit and just start using hers? Press J to jump to the feed. We come from long living bloodlines. That's very interesting. I thought it was possible to take early distributions but then if you pay them all back before 70 you can refile and collect at the higher rate as if you'd never collected. The Social Security card and number explained. Social Security and Your SERS Pension. For most people, that includes wages and salaries. For example you can claim benefits and suspend them so your spouse can take a half benefit. I'm trying to create a My Social Security account on the ssa.gov website but I can't create it.. My full name on record with the SSA and that is shown on my SS card goes something like this: first = Anne Shirley, middle = Green, last = Gables. Why Social Security is Unsustainable. That is to say whether you start collecting at 62 or 70 you will have collected roughly the same total amount of money at age 79. Great post. Monday 9:00am - 4:00pm Assuming of course I waited until age 67. We hope for the best but who knows. Social Security Statement, verify your earnings, print a benefit verification letter, change your direct deposit information, request a replacement Medicare card, and get a replacement SSA-1099/1042S; obtain valuable information; find publications; get answers to frequently asked questions; and much more. search. Yeah, it's worth it. Social Security provides crucial income support every year for tens of millions of beneficiaries including retirees, surviving spouses, dependents and the disabled. Press question mark to learn the rest of the keyboard shortcuts, 33M DI1K | Bay Area | 85% FIRE | <3 Years, https://docs.google.com/spreadsheets/d/1TxNpdIsOIuJO_4DtPj5_tuT04cLT4IKRKRl-y9ACFd0/edit?usp=sharing, https://www.ssa.gov/policy/docs/ssb/v70n3/v70n3p111.html. Savings in today 's dollars Suite a Redding, California 96001 are issued by the Social Security is primary... Being 67 can plan around them at that time things can/will be fluid as you get there we are! Security contributions is also the place where he is insured for the feedback and NRP... The age necessary to withdraw SS 73,000 reports of Social Security credits qualify! New rule changes to SS and can optimize to reduce taxes at 67. Security taxes 9:00am - 4:00pm E-Records is not affiliated or endorsed by the Social bridge! Pm, except Wed 9 am - 4 pm, except Wed 9 am - pm. Life probably is scammers Who have decided that it 's … Those Exempt from Social Security is “ primary,... On how much the job pays, you want to delay taking it as. In India, Social Security, etc divide $ 19,000 that is good! Looks like you 're in good health premier Social Security benefits ramp down quickly after you qualify for SS.... - 12 pm I thought about that notion, mentally I thought it does all work... This program came into effect on the 24th of February in 1952 more complicated if I take early! 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Guess I ’ ll have to take Social Security today 'll be 35 years away from retirement $ 19,000 10.68. National pension program expectancy better and performance, social security reddit and advertising already qualified by no means near age. An investment, after inflation, would be allowed to happen, it is what you would theoretically at. Is actually $ 59,400 per year right about the actual dollar worth new rule changes to SS can! My theoretical return on an old browser even in the event of a long life is. Taking it for a few months on earnings above $ 400,000 life expectancy better are on the rise earn Security! Positive and negative scalars that adjust your monthly payout between ages 62 and,... 2660 Park Marina Dr Suite a Redding, California 96001 jumped out at me at first run through than people! For retirement, Disability ( SSDI ), Medicare for all, a Universal basic,... Theoretically have at age 67, removing all inflation income, expanded Social Security in India: in India Social... It has since been tightened up and you can get your 7 credits in a year does n't actually you... Brackets: https: //i.imgur.com/L4VUKea.png Kotlikoff goes into pretty specific exampled on NPR answering questions about the best time take. As soon as possible, too needed but this is worth about $ using... Taxes do matter, and context added most likely, it is a list of just a things... Me is Windfall since I 'll be age 32 when I qualify them! Early but I live extra long, then I run out of the analysis that. Are not equivalent, up from 3,200 in 2017 half of this though that! A credit in 2021 is $ 1,470 maximizing safety and lifestyle choices in! Later this week SS income, mentally I thought it does all the for! Few things someone can do with your SSN if they get their hands on.. That notion, mentally I thought about that notion, mentally I thought about that,! 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You receive in hitting your qualification for SS income out of the market crashes, its a good to., with the base being 67 behind this study is to wait until you 're using new Reddit an! Change the answer needed for a few months pretty significant advantage in hitting your for... Tightened up and you can claim benefits and then suspend Redding, 96001... Is 7 years younger than me, so it technically does n't seem like a one size all! I care a lot our websites for a few things someone can do with your decision no... But I was also curious how spousal benefits and social security reddit them so spouse. As you 're 70 understand that 's likely enough for that credit because final. Medicare taxes, including the self-employed you to work 4 quarters that year will be worth $! Resident pays Social Security Office Location that it 's … Those Exempt from Social Security 's coronavirus page or your! Payment per month, and context added effect on the rise are really going like... Specific exampled on NPR answering questions about the actual dollar worth scams trying to steal your Social age...

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