Verfügbarkeit: Social security for dummies

Social security for dummies:

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1. Verfasser:	Peterson, Jonathan (VerfasserIn)
Format:	Buch
Sprache:	English
Veröffentlicht:	Detroit [u.a] Gale Cengage Learning 2012
Schlagworte:	Soziale Sicherheit Social security > United States Large type books USA
Online-Zugang:	Inhaltsverzeichnis
Beschreibung:	Includes index.
Beschreibung:	498 S. Ill.
ISBN:	9781410452214 1410452212

Internformat

MARC


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Datensatz im Suchindex

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adam_text	Titel: Social security for dummies Autor: Peterson, Jonathan Jahr: 2012 Table of Contents #••##••••»#•••#• Introduction................................................................. / About This Book..............................................................................................2 Conventions Used in This Book.....................................................................2 What You re Not to Read................................................................................3 Foolish Assumptions.......................................................................................4 How This Book Is Organized..........................................................................4 Part I: The Nuts and Bolts of Social Security......................................4 Part II: Taking the Plunge: Filing for Social Security..........................5 Part III: Who Benefits and When..........................................................5 Part IV: Social Security and Your Future............................................6 Part V: The Part of Tens........................................................................6 Part VI: Appendixes...............................................................................6 Icons Used in This Book.................................................................................6 Where to Go from Here...................................................................................7 Part I: The Nuts and Bolts of Social Security...................9 Chapter 1: What Social Security Is and Why You Need It..........11 Understanding What Social Security Means for You................................12 Benefits for retirees.............................................................................12 Benefits for children............................................................................13 Benefits for survivors..........................................................................14 Benefits for the disabled and their dependents..............................15 Appraising the Value of Social Security......................................................15 Understanding How You Pay for Social Security.......................................16 How much you pay..............................................................................17 Where your money goes.....................................................................18 Getting the Most out of Your Social Security Benefits..............................19 Getting in Touch with the Social Security Administration.......................20 Chapter 2: A Breakdown of Benefits.............................23 Bringing Security to Old Age: Retirement Benefits...................................24 Who qualifies and when......................................................................24 How you qualify...................................................................................25 How much you get...............................................................................26 Surviving the Loss of a Breadwinner..........................................................31 Who qualifies........................................................................................33 How much you get...............................................................................33 How benefits are earned.....................................................................37 Paying Your Bills When You Can t Work: Disability Benefits..................38 Who qualifies........................................................................................38 How you qualify...................................................................................39 How much you get...............................................................................39 When the Need Is Great: Supplemental Security Income.........................40 Chapter 3: Deciding When to Start Collecting Retirement Benefits.....41 Paying Attention to Your Full Retirement Age...........................................42 Determining your full retirement age................................................42 Estimating how much you ll get each month based on when you retire...............................................................43 Looking at Life Expectancy When You Claim Benefits.............................45 Doing a break-even analysis: The payoff from different retirement dates...............................................................................46 Considering what H happen if you live longer than you expect..........49 Considering Your Spouse When You Claim Social Security....................51 Recognizing the Potential Payoff of Working Later in Life.......................54 Putting It All Together: The Right Time to Begin Collecting Benefits...........56 Chapter 4: Protecting Your Number and Securing Your Card.......59 Getting a Social Security Number................................................................59 For U.S. citizens....................................................................................60 For noncitizens.....................................................................................61 Managing Your Social Security Card...........................................................64 If your card is lost or damaged..........................................................65 If your name changes..........................................................................66 Protecting Yourself by Protecting Your Number......................................67 Protecting your identity......................................................................67 Knowing what to do if scammers get your number........................68 Part II: Taking the Plunge: Filing for Social Security.........73 Chapter 5: Signing Up for Benefits..............................75 When to Apply for Social Security Benefits................................................75 Where to Apply for Social Security Benefits..............................................76 In person...............................................................................................76 By phone...............................................................................................77 Online....................................................................................................77 How to Apply for Social Security Benefits..................................................78 Retirement benefits.............................................................................79 Survivor benefits..................................................................................82 Disability benefits................................................................................83 Supplemental Security Income benefits............................................84 How You Get Your Money: The Check Is Not in the Mail.........................85 Chapter 6: Determining How Much You ve Earned................87 Your Social Security Statement...................................................................88 How to access it...................................................................................88 How to understand it...........................................................................88 Social Security Calculators...........................................................................90 Social Security s own tools.................................................................91 AARP s Social Security calculator......................................................92 Chapter 7: Navigating the System...............................95 Being a Smart Consumer of Social Security...............................................96 Keeping good records.........................................................................96 Making sense of the correspondence you get from Social Security.........................................................................96 Making (and showing up for) appointments....................................97 Getting the Answers and Help You Need...................................................97 Finding answers online.......................................................................97 Having someone on your side when you deal with Social Security................................................................................100 Life Happens: Keeping the Social Security Administration in the Loop................................................................................................102 Setting the (Earnings) Record Straight.....................................................104 Halting Your Retirement Benefits..............................................................106 Recovering a Lost or Stolen Social Security Check.................................107 Getting Dinged for an Overpayment.........................................................108 Getting Social Security in a Global Economy...........................................109 U.S. citizens.........................................................................................109 Noncitizens.........................................................................................110 Registering a Complaint with the Social Security Administration........112 Chapter 8: When You and Social Security Disagree: The Appeals Process.........................................117 Reconsideration: Taking Your First Step..................................................118 Deciding whether to file a request for reconsideration................121 Taking the steps to file......................................................................122 Going to an Administrative Law Judge to Solve Your Problem.............123 Requesting a hearing.........................................................................124 Preparing for your hearing...............................................................126 Participating in your hearing............................................................126 Knowing What to Expect from the Appeals Council...............................129 Taking Your Claim to Federal Court..........................................................131 Part III: Who Benefits and When............................... 135 Chapter 9: Spousal Benefits: Watching Out for Each Other........137 Who Qualifies and Who Doesn t................................................................137 Who qualifies......................................................................................139 Who doesn t qualify...........................................................................142 How Much You Can Expect to Get............................................................142 How to Maximize Your Benefits.................................................................145 Maximizing your lifetime benefits as a married couple................146 Getting the biggest benefit possible for your surviving spouse........151 Chapter 10: Family Benefits: Who Gets What....................153 Defining Who s in the Family......................................................................154 Spouses...............................................................................................154 Parents or grandparents...................................................................155 Natural children.................................................................................156 Adopted children...............................................................................156 Stepchildren.......................................................................................157 Grandchildren....................................................................................157 Parents of a worker............................................................................158 Identifying the Benefits Family Members Are Eligible For.....................158 Dependent children under 18...........................................................158 Dependent children 18 and over......................................................158 Disabled adult children.....................................................................159 Grandchildren....................................................................................159 Parents of a worker............................................................................160 Looking At How Having a Child in Care May Affect Your Own Benefits...................................................................................160 Understanding the Family Maximum........................................................161 Counting on Kids Benefits When Parents Live Apart.............................165 Managing Benefits on Behalf of a Child....................................................166 Chapter 11: When You Can t Work: Social Security Disability Benefits...........................................169 The Two Types of Disability Benefits.......................................................170 Social Security Disability Insurance................................................173 Supplemental Security Income.........................................................177 How Social Security Defines Disability.....................................................178 Are you working for money?............................................................179 Do you have a severe medical problem?........................................179 Is your disability on the list ?.........................................................180 Can you perform the tasks required by your former job or a similar job?..............................................................................181 Can you do any other available work in the economy?................182 How to Make Your Case..............................................................................183 Cutting through the red tape............................................................184 Gathering the best medical evidence: The role of your doctor.........185 Getting help........................................................................................187 Showing that you ve tried to solve your problem.........................188 Telling the truth.................................................................................188 What to Do If You Get Turned Down.........................................................189 What Happens to Your Benefit If You Can Go Back to Work.................190 Part IV: Social Security and lour Future.................... 195 Chapter 12: Enrolling in Medicare.............................197 Understanding the ABCs (And D) of Medicare........................................198 Part A: Hospital insurance................................................................198 Part B: Medical insurance.................................................................199 Part C: Medicare Advantage.............................................................200 Part D: Prescription-drug coverage.................................................201 Qualifying for Medicare..............................................................................202 Signing Up for Medicare..............................................................................203 Deciding what parts to enroll in......................................................204 Keeping track of the enrollment periods........................................207 Knowing your options for applying for Medicare..........................209 Paying Premiums.........................................................................................210 Getting Hit with Late Fees..........................................................................211 Part A...................................................................................................211 PartB...................................................................................................211 PartC...................................................................................................212 PartD...................................................................................................212 Buying Extra Insurance: Medigap..............................................................213 Getting Financial Help If You Need It........................................................214 Extra Help for Part D.........................................................................215 Medicaid..............................................................................................215 Medicare savings programs.............................................................215 Pharmaceutical assistance programs.............................................215 Programs of All-Inclusive Care for the Elderly...............................216 State pharmaceutical assistance programs...................................216 Chapter 13: Working in Retirement ...........................217 The Pros and Cons of Not Retiring at Retirement Age...........................218 Facing the challenges of working later in life.................................218 Reaping the benefits of working later in life...................................220 The Earnings Test: How Your Payments Are Calculated When You Work.......................................................................................221 How the earnings limit works...........................................................221 How exceeding the limit may cost your family..............................223 How the earnings test affects benefits............................................224 Getting a break for your first months of retirement......................225 Reporting earnings to the Social Security Administration...........227 When You Go Back to Work after Retirement.........................................230 Special Considerations for the Self-Employed.........................................231 Tax deductions...................................................................................232 Work credits.......................................................................................232 Earnings limit......................................................................................233 Reporting requirements....................................................................233 Uncle Sam Giveth and Taketh Away: How Benefits Are Taxed..............234 Chapter 14: Shaping a Financial Future You Can Live With........237 Envisioning Your Life with Social Security...............................................237 Figuring out how much money you need.......................................238 Determining how much income you need......................................239 Narrowing the gap between too little income and too much spending.................................................................240 Working with a financial professional.............................................242 Preparing for Life on Social Security.........................................................243 Purchasing an annuity.......................................................................244 Signing up for Medicare....................................................................245 Handling home equity.......................................................................246 Getting long-term-care insurance....................................................247 Seeing how Social Security interacts with private pensions........247 Managing your investments.............................................................248 Part V: The Part of Tens............................................2b9 Chapter 15: Ten Myths about Social Security....................251 Myth: Social Security Is a Ponzi Scheme..................................................251 Myth: Your Social Security Number Has a Racial Code in It..................252 Myth: Members of Congress Don t Pay into the System........................253 Myth: Social Security Is Going Broke........................................................254 Myth: The Social Security Trust Funds Are Worthless...........................254 Myth: I d Be Better Off Investing in Stocks...............................................255 Myth: Undocumented Immigrants Barrage Social Security with Illegal Claims....................................................................................256 Myth: When Social Security Started, People Didn t Even Live to 65........257 Myth: Congress Keeps Pushing Benefits Higher Than Intended...........258 Myth: Older Americans Are Greedy Geezers Who Don t Need All Their Social Security.................................................. 258 Chapter 16: Ten Reasons Young People Should Care about Social Security........................................261 If You re Lucky, You ll Be Old Someday.................:.................................262 Your Parents Will Be Old Even Sooner.....................................................262 You re Paying into the System Now..........................................................263 You Benefit When Social Security Keeps People out of Poverty...........263 You May Need Benefits Sooner Than You Think.....................................264 Social Security Ensures That Time Doesn t Eat Away at Your Benefit........................................................................264 Social Security Benefits Are One Thing You Can Hang Your Hat On..........265 The System Works.......................................................................................266 The Alternatives Are Worse.......................................................................266 Life Is Risky...................................................................................................267 Chapter 17: Ten Choices Facing the Country about the Future of Social Security............................269 Whether to Increase the Earnings Base....................................................269 Whether to Cover More Workers..............................................................270 Whether to Raise Taxes..............................................................................271 Whether to Cut Benefits.............................................................................271 Whether to Modify the Inflation Formula.................................................272 Whether to Raise the Full Retirement Age...............................................273 How to Treat Women More Fairly.............................................................274 Whether to Divert People s Taxes to Private Accounts.........................274 Whether to Create a Minimum Benefit.....................................................275 Whether to Give a Bonus for Longevity....................................................275 Part VI: Appendixes..................................................277 Appendix A: Glossary........................................279 Appendix B: Resources.......................................289 Social Security..............................................................................................289 Medicare.......................................................................................................290 AARP..............................................................................................................291 Other Sources..............................................................................................292 Appendix C: Play the Game: You Make the Choices to Strengthen Social Security.................................295 Index.......................................................................299
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title_full	Social security for dummies Jonathan Peterson
title_fullStr	Social security for dummies Jonathan Peterson
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