A Lasting Way to Show Your Love

Hands holding up a paper heart to the sunSpringtime is upon us and love is in the air! Valentine’s Day may be but a memory and the storefront displays have moved on to new holidays, but you can still express your feelings in a meaningful way.

A powerful way to prove your love is to show that you care about a family member or friend’s future. Everyone you love probably wants to enjoy retirement. The decisions of when and how to retire require preparation and careful planning.

Social Security is a safety net that keeps millions of elderly Americans out of poverty. At www.socialsecurity.gov/planners/retire you’ll find valuable resources that you can access 24 hours a day from your preferred location.

Showing your love might take the form of letting a family member know when a realistic retirement date might be. Our online Estimator offers an instant and tailored estimate of your future Social Security benefits based on your earnings record. You can plug in different anticipated yearly earnings to discover different retirement options and learn how your benefits could increase if you work longer.

While it’s just an estimate, it can also be vital information before your loved one puts the down payment on the beach condo, boat, or moves to Tuscany. Or they may want to open that dream business after retirement. It’s all possible when you plan ahead. Give the Retirement Estimator a try today at www.socialsecurity.gov/estimator.

Love comes in many forms. Helping someone prepare for retirement will improve the overall quality of their life for years. Spread the love, direct your loved ones to www.socialsecurity.gov.

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23 thoughts on “A Lasting Way to Show Your Love

  1. I can’t believe the blogs that I just read. I am so sick an d tired of this kind of attitude from so many people about so many things nowadays. I for one am very happy about my social security. I had to go on disability first because of multiple problems that made it impossible for me to work any longer. A lot of people in our country need to grow up and appreciate the many things that they have available when they get in trouble. Just wait until some stupid politician manages to cancel these things.

    • Hi carol
      I totally agree with you what you said in your post about social security as like your self. .I too was on disability and when I became the age of 65 2 years ago..I was automatically rolled over to social security and not complaining at all..as I do not know where I would be without it…so yes…I totally agree with you that people in this world should be happy they get social security and pension plans…and what else they may receive…people are so greedy these days..they want and want..
      Have a great day Carol and nice to meet you…
      Your new friend
      Mary

  2. If you go and try to get social security they treat you very bad. Make you feel as if they are giving it from their own pocket. This is what you get after working 40 or 50 years and being contributing to social security. Sad.

    • Hi Grace, I’m sorry that was your experience. Hope it gets better. The Glendora, CA SOC office is wonderful from the moment you walk in the door until you leave. Parking is easy in their lot. Everyone is respectful, knowledgeable, and warm. Mr. Serrano is so knowledgeable, thorough, patient, and kind. The security officer is great and kept his eye open to a pregnant woman who appeared to be having trouble breathing as she was leaving. He stepped out to check on her and helped her. I hope your future experiences with SOC change to all positive. Best of luck to you. Take care of yourself. God bless you and yours.

  3. Special circumstances, my state retirement will be about 1/2 of the benefit amount I was expecting because my employer failed to honor my Tier 1 Choice at time of hire 26 years ago.
    Would I be eligible for an increase in my Social Security Benefit amount.
    Also would I be able to Donate my Benefit to my Wife if I pass away before she does.
    I am due to retire this December from state service of 27 + years.
    State Tier 1 Error caught about six years at which time we were allowed to convert from Tier 2 to Tier 1 deductions.
    MS

    • Thank you for reaching out to us Manuel. Unlike workers in the private sector, not all state and local employees are covered by Social Security. Some are covered only by their public retirement pension program; some are covered by both public pensions and Social Security; and some are covered by Social Security only. Each state has a State Social Security Administrator who can provide additional information about Social Security and Medicare coverage. Please read our publication “How State And Local Government Employees Are Covered By Social Security And Medicare” for more information.
      Also, a pension based on work that is not covered by Social Security (for example, Federal civil service and some State or local government agencies, such as police officers and some teachers) may cause the amount of your Social Security benefit to be reduced. Your benefits can be reduced based on one of two provisions,the Windfall Elimination Provision and the Government Pension Offset. We hope this information helps.

  4. (1) If I wait until age 70 to draw my social security benefits, does my spouse (who will then be age 63) receive 37.5% of my FRA (age 66) benefits … or 37.5% of my maximum (age 70) benefits?
    (2) Once we both sign up for social security benefits, will my spouse and I (while we are both still living) be receiving TWO sets of benefits simultaneously … mine (full amount) and hers (37.5% of my benefits)?
    (3) In the event I precede my wife in death, will my spouse’s benefits be increased to the same amount of benefits I was receiving until my death … or will she continue to receive just the same (lower) amount she had been receiving while I was still alive?

  5. My husband passed away May 2014. I am in a State Sanctioned Retirement program so the Windfall elimination applies to my Social Security.

    I am on planning taking my husband’s Social Security but I want to verify that the windfall elimination does not apply to widow’s benefits.

  6. A beautifully written article reminding each of us how important a “guaranteed, lifetime Retirement Income is” At the death of the wage earner, the spouse (if she/he has no retirement income of their own) continue to receive one-half of the retirement income of the wage earner.Also, there is a periodic increase in the retirement income based on the CPI.
    Retirement income, typically, consists of one;s personal savings, company pension, and Social Security. For most of the current working population, company pension is a non-existent; personal savings, Roth IRA, Tax deductible Traditional IRA, 401k, 403b plans provide an opportunity to build retirement funds; however, from my personal and professional experience, I have observed greater percentage of the working population electing not to participate in the IRA accounts, or participating minimally in their 401k account, which gets cashed out soon upon the termination of their job. Social Security contributions provide “Guaranteed Lifetime Income”, regardless of the market volatility!! Not only does it provide lifetime retirement income to the wage earner, upon their death, their spouses continue to receive for their lifetime, one half of the retirement income, if the spouse does not have their own SS retirement income, or if their SS income is less than the one half of their spouses) If one was receiving monthly $3000 SS income, in today’s low interest environment, it is equivalent of having a capital sum of $1,800,000 (at 2% it will provide interest $36,000 yearly) If the interest rate were to double to 4%, then too, it would equal to $900,000!! I see very few people who have successfully saved that much money on their own.
    All of us need to aggressively save from our very first paycheck until our very last paycheck to guarantee ourselves a comfortable, worry free, life time retirement income. Got have Gold to enjoy Golden years of Retirement..

  7. I intended to work until I was 70 years old but I didn’t make it to 60 years old! If it wasn’t for Disability income at first and now that I am over 65, Social Security, I would be living on the streets or worse. Whatever nest egg I had at the time I became disabled rapidly disappeared until my Social Security Disability kicked in leaving me with no liquid assets. I feel for my children and grandchildren because they probably won’t have this safety net to draw on.

  8. I do not mean totally retirement but as politically i preferred the administration of president Obama was very accurate to the future of U.S.A information Economics pathways so now i doubt what will happen the next decade !. Thanks our God.

  9. People are looking at social security disability as an early retirement. 70 % of all disabled people on social security disability are 50 and older.

    When they look at their social security estimate on their statement, they see that the disability estimate is higher so they try to get disability and retire early.

    • Thank you for your comment, Tony. The Social Security Act sets out a strict definition of disability. Our agency pays benefits to eligible individuals who can’t work due to a disabling mental or physical condition that is expected to last at least one year or result in death. Those who qualify based on our strict definition of disability are among the most severely disabled people in the country. No benefits are payable for partial disability or short-term disability. Furthermore, the Social Security Administration conducts Continuing Disability Reviews from time to time to make sure the individuals receiving checks are still eligible to get them. Thanks!

  10. Hello All,
    SS is a Godsend.
    I retired online with ease 1 year early after being
    incentivised to leave my job so lower wage people
    could be hired to replace me.
    I pray that all the talk about SS’s demise are just
    fear mongering on the part of some hurtful people.
    Happy retirement to all !!!!!!!!!!!!!!!!!!!!!!!!!

    Best Regards,

  11. I received a notice from SS that I would need to take aohysical in October. I am 70 and am not now nor have I ever been disabled. Is the physical required?

    • There is no physical for collecting social security retirement. It is a scam to get you to give them your personal information.

    • Hi Charlie. Social Security disability benefits automatically change to retirement benefits when disability beneficiaries attain their full retirement age. If a person has reached his or her full retirement age (Currently 66) and is receiving Social Security retirement, they are not eligible for disability benefits. Please verify the legitimacy of the letter you received. Remember that our official agency correspondence, and responses are identified with our SSA seal and proper letterhead. You can call our toll-free number at 1-800-772-1213 for assistance. Representatives are available Monday through Friday, 7 a.m. to 7 p.m. We hope this helps!

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