Council on Aging Answers 2016 - 77

COUNCIL ON AGING - ORANGE COUNTY

Your decision could affect your family
Your spouse may be eligible for a benefit based
on your work record (spouse benefits are reduced if
claimed before the spouse's full retirement age). If you
die before your spouse, he or she may be eligible for a
survivor benefit based on your work record, particularly if you have earned more than your spouse over
your lifetime. If you begin receiving Social Security
benefits early, Social Security cannot pay your surviving spouse a full benefit from your record. Also, if you
wait until after the full retirement age to get benefits,
your surviving spouse-if he or she is at least full retirement age-generally will receive the same benefit
amount that you would have received. Your children
also may be eligible for a benefit on your work record
if they are under age 18 or if they have a disability that
began before age 22. For them to receive benefits, you
must be getting benefits, too.
Retirement may be longer than you think
When thinking about retirement, be sure to plan
for the long term. Many of us will live much longer
than the "average" retiree, and, generally, women tend
to live longer than men. About one in three 65-yearolds today will live to age 90, and more than one in

seven will live to age 95. Social Security benefits,
which last as long as you live, provide valuable protection against outliving savings and other sources of
retirement income. Again, you will want to choose a
retirement age based on your circumstances so you
will have sufficient income when you need it.
You can now view your annual benefits statement
online. It will show your annual earnings history and
your estimated monthly payment if you retire at your
"full" retirement age (based on your year of birth),
or if you retire early, at age 62. It also tells you what
your survivor benefits will be and your benefits if you
become disabled. Weigh all the facts carefully and
consider your own circumstances before making the
important decision about when to begin receiving Social Security benefits.
To see your information online, register on www.
socialsecurity.gov. To estimate your benefit amounts
and find more information to help you decide when
to start retirement benefits use the Benefits Planner at
www.socialsecurity.gov/planners. To apply for your
benefits visit www.socialsecurity.gov/apply for benefits.
The above information was excerpted from the Social
Security Administration. www.socialsecurity.gov/pubs/
EN-05-10147.pdf

Council On Aging-Orange County | 714-479-0107 | www.coaoc.org	 Answers Guide 2016

77

FINANCE & LEGAL

chose to start getting benefits at full retirement age.



http://www.socialsecurity.gov http://www.socialsecurity.gov http://www.socialsecurity.gov/planners http://www.socialsecurity.gov/apply http://www.socialsecurity.gov/pubs/ http://www.socialsecurity.gov/pubs/ http://www.coaoc.org

Table of Contents for the Digital Edition of Council on Aging Answers 2016

Contents
Council on Aging Answers 2016 - Intro
Council on Aging Answers 2016 - Cover1
Council on Aging Answers 2016 - Cover2
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