SOCIAL SECURITY

Understand Your Benefits.
Plan With Confidence.

Clear guidance to help you understand retirement income, eligibility, applications, and the choices that may affect your future.

Choose your country for relevant information

Programs, eligibility, and application steps vary by country.

What Do You Need Help With?

Social Security Made Simpler

PLAN AHEAD

When Should You Start Your Benefits?

The age you choose to start can affect your monthly income and long-term planning. Explore your options to make the choice that’s right for you.

 

How to Apply

Keep Your Information Ready

✓ Identification
✓ Work and contribution history
✓ Banking information
✓ Marriage or family records

Common Questions

Can I work while receiving benefits?

Yes. In many cases, you can work while receiving Social Security benefits. However, if you have not yet reached full retirement age, your earnings may affect the amount of your benefits. Once you reach full retirement age, your earnings generally do not reduce your Social Security retirement benefits.

What happens if I apply early?

You can generally start receiving Social Security retirement benefits as early as age 62. However, starting benefits before your full retirement age usually means receiving a lower monthly payment. Waiting longer may increase your monthly benefit, up to age 70. Consider your income needs, health, work plans, and long-term financial goals when choosing when to apply.

Can my spouse receive benefits?

Your spouse may be eligible for Social Security benefits based on your work record, depending on factors such as your spouse’s age, marital status, and eligibility. In some situations, a spouse may receive benefits even if they have never worked or have a limited work history.

How do I update my information?

You can update certain personal information through your Social Security account or by contacting the Social Security Administration. Depending on the type of information you need to change, you may need to provide identification or supporting documents. Keep your contact, banking, and other important information up to date to help avoid delays.

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