How to Determine My Social Security Retirement Benefits

My Social Security retirement income is perhaps one of the least understood aspects of retirement income, yet there is quite a bit of public domain information available on the topic..

Before doing anything else, you (and your spouse) need to each set up FREE, separate accounts on the Social Security Administration website, if you have not done so already and keep your social safe.

By creating an account on this site, you will be able to ascertain the following information pertinent to your monthly SS benefits:

  • You can view what your estimated monthly SS benefits at age 62 will be (current Early Retirement age as of the publishing of this article);
  • You can view what your estimated monthly SS benefits at your Full Retirement age will be (this age is dependent on your date of birth, but the current maximum Full Retirement age is 67, as of the publishing of this article);
  • You can view what your estimated monthly SS benefits at age 70 will be (the current latest age that you can defer benefits until, as of the publishing of the article);
  • You can view SS disability monthly benefits that you are eligible to receive, if you were to become disabled;
  • You can view the Survivor’s monthly benefits that your family would be eligible to receive, should you die;
  • You can view your annual earnings since you started paying Social Security and Medicare taxes, which has been furnished to the Social Security Administration by the IRS. Please make sure that these annual amounts are correct and consistent with your past tax returns, since these amounts directly affect your expected monthly SS benefits. If they are not correct, please contact the Social Security Administration immediately, with the necessary corrections (you will need written proof to ensure that appropriate adjustments are made).

The SS Administration uses your highest 35 years of earnings to calculate your monthly benefit. You must work a minimum of 10 years (or 40 quarters), to be eligible for SS benefits.

Based on the above, as the law currently stands as of the publishing of this article, you can collect monthly SS benefits as a retiree starting as early as age 62, and as late as age 70. As a matter of fact, currently deferring your Social Security monthly benefit beyond your Full Retirement Age, can yield an additional 8% of monthly benefit per year to your SS check, up to the age of 70. If you elect to start collecting your benefits prior to your Full Retirement Age (specified to you on the Social Security Administration website), your monthly benefit amount will be reduced from your Full Retirement Age amount by a “factor” determined by the Social Security Administration. If you elect to start collecting your benefits after your Full Retirement Age is reached, you will analogously received an increased monthly amount from your Full Retirement Age amount, by a “factor” determined by the Social Security Administration.

 

Looking for Oshkosh roofing?

The professionals at Oshkosh roofing bring years of experience in the residential and commercial roofing business and are equipped to handle all type of roofing, siding, and remodeling projects.

Roofing Contractors You Can Trust

At Oshkosh roofing we understand that your time is valuable. When you request a free roofing, siding, or window estimate for your home one of our estimators will promptly schedule a complete and detailed assessment of all your exterior remodeling needs. We will then provide you with a timely detailed estimate. At Oshkosh roofing we makes it easy to schedule a free no-obligation estimate. All you have to do is fill out our simple easy to fill form, and you will a Oshkosh roofing expert will contact you.

 

We are Roofing and Remodeling Experts

Browse our web site for more information about services offered by Oshkosh roofing professionals. If you have any questions, would like to schedule a free no obligation estimate or would like to speak with one of our representatives regarding our services, please don’t hesitate to email us or call using the contact information listed below.

 

Best Roofers Leeds

Leaky Roof? Missing Shingles? Need a New Roof? Don’t worry, we’ll get you covered. We’re quick, reliable and our work is guaranteed. We’re in the business of making you happy while keeping you dry. Call us today, we serve all of Leeds!

 

Roof Repair
When it comes to a leaky roof, you might need a simple repair. It’s important to fix leaks as soon as they happen, before mold or more damage can be done. If you are seeing a few missing shingles, give us a call!

We’re Your Neighbor
We live here too, that’s why we treat all our customers with respect while doing a quality job. Since referrals are the best compliment we receive, we want to leave your home or business singing our praises!

You Can Trust Us
Do you know what keeps us up at night? An unhappy customer. We are obsessive over quality and your satisfaction, which is why we work to get the job done right the first time.

Dependable Roofing Services At Roofers Leeds, we don’t skimp on parts or workmanship. We pride ourselves on delivering superior products and services at rates that are more than competitive for the Leeds area. We strive to offer every single customer: High-quality roofing materials A wide selection of roofing options Prompt, reliable service Convenient scheduling The most efficient turnaround possible Trust Our Team of Roofers

Best electrician Pinellas County

Our electricians are in Pinellas County doing electrical repair and service work, and installing surge protection.  Let us take care of your electrical needs today. When your electric is out our electricians can install  a generator to bring you some comfort, from just your refrigerator, or your whole house. Our electricians can help you pick out a generator to meet your electrical  needs for power outages. When you pick out a generator make sure it  produces 240 volts if you have a well.

You should choose the electrician Pinellas County that seems the most conscientious about your project and the one you feel you can rely on to do the job right. The future of your home and family depends on the reliability of the Pinellas County electrician you hire.

Tips for hiring an electrician:

  • Written estimate: You should be provided a written estimate which specifically states what will be done AND anything that’s excluded.
  • Warranty: Does the contractor offer a warranty on the work? If so, read it carefully to see what it includes and if you might have to pay more money.
  • References: A reputable contractor should be quite willing to provide references. Contact at least three of them.
  • Insurance: A contractor should have liability insurance (a minimum of $1 million) and workers compensation insurance (medical coverage for worker injuries). If the contractor doesn’t have workers compensation insurance, check with your homeowner (or business) insurer to see if your policy covers workers compensation claims against you.
  • License: Some trades must be licensed, others not. Check to see if they’re registered and licensed.
  • Complaints: Search the web for complaints about the company.
  • Better Business Bureau (BBB): Provides a mediation service for consumers. Personal opinion: The BBB may or may not be a reliable source and may not give detailed information about any complaints against the company.
  • Subcontractors: Does the company or contractor hire subcontractors? Sometimes that’s okay, sometimes not. Subcontractors are often paid a fixed fee and that may mean the subcontractor will rush to get the job done in the least amount of time.

Reliable heating and air Charlotte NC

Air conditioning systems are fantastic little tools and certainly something most homes and offices can do with. Unfortunately, when something goes wrong, the costs tend to be very expensive and for most they just don’t have a lot to spend. The trouble is home owners can play their part in these costs as they contribute to the problem. So, how is it possible to keep repair costs to a bare minimum?

 

You Must Look Into Regular Maintenance

Despite the fact that it’s a boring job, the air conditioning system absolutely must be taken good care of otherwise problems will arise more and more. You don’t necessarily have to spend a lot of time maintaining the system, one day a week or even one day a month will be sufficient. Of course, one day a week would be best but most will stick to at least once a month. You will need to ensure the system is working which means cleaning the system. All dirt and debris must be removed so that the system runs effectively. This isn’t too difficult to do and you will find it takes maybe thirty minutes, an hour at most. It’s not a lot of time and it’ll prevent unnecessary problems from costing you thousands!

Only Use the System When You Absolutely Need It

Too many people tend to turn their air conditioning on even when they aren’t home. It’s very wasteful and it’s going to put unnecessary stress onto the system plus, it’ll waste money! That is why it’s wise to look at reducing the amount of times you use the air conditioning. You might think its necessary 24/7, but in all honesty, that’s not entirely true. A few hours at day when it’s very stifling should be sufficient for most homes. This will certainly reduce costs as there will be fewer repairs to be made.

Useful Link: heating and air Charlotte NC