Social Security

What Are Social Security Benefits?

The social security program is one of the most widely used government programs. The system is based on your earned income. By working for a certain number of years and putting in the appropriate amount of money each year, you can qualify for social security benefits. Once you reach the retirement age, you can take advantage of the full benefits. To calculate the monthly amount you will receive, look at your earnings records for the last 35 years.

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Social Security benefits

To qualify for Social Security benefits, you must have paid taxes for at least 10 years. If you’re retired at age 62, you’ll be eligible for benefits. If you’re still working, you can collect your benefits at any time during your life. The maximum amount of benefits is 67. If you’re still working, you’ll get as much as 63 percent of your monthly benefit. However, if you’re under age 18 or disabled, you’ll receive a fraction of your monthly income.

Reached retirement

Once you’ve reached retirement age, you’ll begin receiving your benefits. Each month, you’ll receive a certain amount based on how much you made. This amount is called your “PIA” and is a calculation that is based on your highest 35 years of earnings. If you start taking your benefits early, you’ll get a smaller benefit than if you wait until you’re at least 65.

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