4 Times When You Definitely Should Use Social Security Benefits

4 Times When You Definitely Should Use Social Security Benefits
  • Opening Intro -

    Social Security benefits are available to most Americans who reach a certain age or are unable to work because of a physical or mental impairment.


You may be unaware that you’re currently eligible to start receiving Social Security payments, and getting this monthly income can ease many of your financial burdens. Here are four times when you should definitely file for Social Security benefits.

Before Age 70

Even though you’ll receive higher monthly payments if you wait until you’re older to file, you can ultimately earn more money from Social Security if you apply before you turn 70.

You won’t be collecting as many monthly checks over your lifetime if you wait until after the age of 70 to file, and collecting earlier can help you secure your retirement better.

Most people can start receiving benefits at the age of 62, but you might be able to apply even sooner if circumstances prevent you from working.

When Disabled

Suffering a disability because of an accident or long-term illness can limit your ability to work, and you may be eligible for Social Security benefits if you become disabled.

You may also qualify under this category if you’ve been diagnosed with a psychotic disorder such as schizophrenia or paranoia or an affective disorder such as severe depression or bipolar disorder. Social Security disability attorney services can help you determine if you’re eligible to file a claim because of a disability.

Survivor Benefits

If a spouse, parent or someone else who was a financial provider for you started collecting Social Security benefits and then dies, you may be able to receive all or part of the monthly payments.

People who commonly qualify for survivor benefits include widows or widowers who are age 60 and older and have not remarried as well as children of the deceased who are younger than 18.

If you’re a surviving spouse, you can maximize your earnings and receive the full benefit amounts if you wait until after full retirement age up to the age of 70 to start collecting.

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While Still Working

You may be surprised to learn that you can start collecting Social Security benefits and still earn a full-time income from your current job when you turn 62. You can earn even more on your monthly Social Security checks if you wait until you reach full retirement age, which often changes year to year according to the government. Even when you reach your full retirement age, you can still continue to work while receiving Social Security benefits if you choose.

Getting the Social Security benefits that you deserve can help improve your life financially. You’ll have an easier time qualifying for payments if you fall under one of these categories and hire an attorney who can assist you with the filing process.

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