Retirement Dates that are Important

Retirement Dates that are Important!

Here are some important dates and programs related to retirement and Social Security that you should be aware of:

Full Retirement Age (FRA): This is the age at which you can receive your full Social Security benefits. It ranges from 65 to 67 depending on when you were born. For example, if you were born between 1943 and 1954, your FRA is 66.

https://www.ssa.gov/retirement/full-retirement-age

Early Retirement: You can start receiving Social Security benefits as early as age 62, but your benefits will be reduced by a certain percentage for each month before your FRA.

Delayed Retirement Credits: If you delay taking Social Security benefits past your FRA, you'll receive delayed retirement credits that increase your benefit amount. For every year you wait (up to age 70), your benefit will increase by a certain percentage.

Medicare Enrollment: You should sign up for Medicare Part A and B when you turn 65 or you may face penalties and higher premiums later on. If you're still working at age 65, check with your employer to see if they have a plan that qualifies as creditable coverage.

https://www.ssa.gov/medicare/sign-up

Social Security Benefit Estimate: You can request a benefit estimate from the Social Security Administration (SSA) to get an idea of how much money you'll receive in retirement based on your work history. This will help you plan for your retirement income needs.

https://www.ssa.gov/prepare/get-benefits-estimate

Retirement Planning Toolkit: The SSA offers a retirement planning toolkit that provides information and resources to help you prepare for retirement, including how to calculate your benefits, when to take them, and how they fit into your overall financial plan.

https://www.ssa.gov/benefits/retirement/planner/AnypiaApplet.html

SSN Application Process: When you're ready to apply for Social Security benefits, the SSA has an online application process that makes it easy to apply from home. You'll need to gather some information beforehand, such as your birth certificate and Social Security card, but the application itself is straightforward.

https://www.ssa.gov/apply


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