Your Social Security Statement Template Page 4

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Some Facts About Social Security
About Social Security and Medicare…
Receive benefits and still work...
You can continue to work and still get retirement or survivors
Social Security pays retirement, disability, family and
survivors benefits. Medicare, a separate program run by
benefits. If you’re younger than your full retirement age, there
the Centers for Medicare & Medicaid Services, helps
are limits on how much you can earn without affecting your
pay for inpatient hospital care, nursing care, doctors’
benefit amount. The limits change each year. When you apply
for benefits, we’ll tell you what the limits are at that time and
fees, and other medical services and supplies to people
age 65 and older, or to people who have been receiving
whether work would affect your monthly benefits. When you
Social Security disability benefits for two years or more.
reach full retirement age, the earnings limits no longer apply.
Your Social Security covered earnings qualify you for
both programs. For more information about Medicare,
Before you decide to retire...
visit or call 1-800-633-4227 (TTY
Think about your benefits for the long term. Everyone’s
1-877-486-2048 if you are deaf or hard of hearing).
situation is different. For example, be sure to consider the
advantages and disadvantages of early retirement. If you
Here are some facts about Social Security’s benefits:
choose to receive benefits before you reach full retirement
Retirement — If you were born before 1938, your
age, your benefits will be permanently reduced. However,
full retirement age is 65. Because of a 1983 change
you’ll receive benefits for a longer period of time.
in the law, the full retirement age will increase
To help you decide when is the best time for you to retire,
gradually to 67 for people born in 1960 and later.
we offer a free booklet, Social Security — Retirement
Some people retire before their full retirement age.
Benefits (Publication No. 05-10035), that provides specific
You can retire as early as age 62 and take your benefits
information about retirement. You can calculate future
at a reduced rate. If you continue working after your
retirement benefits on our website at
full retirement age, you can receive higher benefits
by using the Social Security Benefit Calculators.
because of additional earnings and special credits for
There are other free publications that you may find
delayed retirement.
helpful, including:
Disability — If you become disabled before full retirement
Understanding The Benefits (No. 05-10024) — a
age, you can receive disability benefits after six months
general explanation of all Social Security benefits;
if you have:
— enough credits from earnings (depending on your age,
Your Retirement Benefit: How It Is Figured (No. 05-10070)
you must have earned six to 20 of your credits in the
— an explanation of how you can calculate your benefit;
three to 10 years before you became disabled); and
— a physical or mental impairment that’s expected
Windfall Elimination Provision (No. 05-10045)
to prevent you from doing “substantial” work
— how it affects your retirement or disability benefits;
for a year or more or result in death.
Government Pension Offset (No. 05-10007)
Family — If you’re eligible for disability or retirement
— an explanation of a law that affects spouse’s or
benefits, your current or divorced spouse, minor
widow(er)’s benefits; and
children or adult children disabled before age 22 also
may receive benefits. Each may qualify for up to about
Identity Theft And Your Social Security Number
50 percent of your benefit amount. The total amount
(No. 05-10064) — what to do if you’re a victim of identity theft.
depends on how many family members qualify.
We also have other leaflets and fact sheets with
Survivors — When you die, certain members
information about specific topics such as military service,
of your family may be eligible for benefits:
self-employment or foreign employment. You can request
— your spouse age 60 or older (50 or older
Social Security publications at or
if disabled, or any age if caring for your
by calling us at 1-800-772-1213.
children younger than age 16); and
— your children if unmarried and younger than
age 18, still in school and younger than 19 years
old, or adult children disabled before age 22.
If you are divorced, your ex-spouse could be eligible for a
widow’s or widower’s benefit on your record when you die.
If you need more information—Visit /mystatement on the Internet, contact any
Social Security office, call 1–800-772-1213 or write to Social Security Administration, Office of Earnings
Operations, P.O. Box 33026, Baltimore, MD 21290-3026. If you’re deaf or hard of hearing, call TTY
1-800-325-0778. If you have questions about your personal information, you must provide your complete
Social Security number. If your address is incorrect on this Statement, ask the Internal Revenue Service to
send you a Form 8822. We don’t keep your address if you’re not receiving Social Security benefits.
Para solicitar una Declaración en español, llame al 1-800-772-1213
4
Form SSA-7005 -SM-SI (1/07)

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