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CPR Training and the Clear Path to an Early Retirement
At age 55, individuals can begin choosing to receive the Social Security payments that would otherwise begin at age 62, based on their own life choices and risk factors. This means that around age 55, you may have a significant amount of income available for spending.
This is the age when the SSA, in conjunction with certain financial experts, has recommended that those of us who are eligible for Social Security begin retirement planning. In this article, we provide an overview of the process and offer a few tips for getting started.
What is Social Security?
For those who have not received Social Security benefits in the past, what is Social Security? Social Security is a federal agency that helps to provide a guaranteed source of income for those who are no longer working. While you are still working, Social Security’s contributions are part of your income tax withholding.
You can think of Social Security as a retirement benefit. The SSA provides an income that is about the same as what you could earn by working full time, but your SSA benefit payments go to a single person. There is no estate tax, no probate administration, and no need for a will.
What makes an individual eligible for Social Security? Many people have the mistaken belief that you must be age 70 to be eligible for Social Security. However, the SSA requires that you either:
be collecting Social Security retirement benefits, or
be collecting worker’s compensation benefits in at least the second quarter of any year, or
be collecting both.
Although there is no age limit to receive Social Security benefits, you will not be paid benefits if you would not be entitled to receive them. By law, anyone who turns age 62 before reaching age 70 will receive benefits.
Additionally, anyone who is entitled to Medicare will also be entitled to Social Security payments.
You may have to wait until the month following the month in which you turn 62 to begin to collect Social Security benefits. If you are collecting Social Security at your 60th birthday, and you wish to receive benefits
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