Ask Becky

Your Personal Social Security Expert

Becky and her team have been helping clients for over 16 years. Ask your questions by filling out the form below. All questions will be answered anonymously.

ASK YOUR QUESTIONS
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Early retirement impact
Cost of Living Adjustment (COLA)
Reporting changes
Additional Advice and Resources
Fraud and Suspicious Activity
Incarceration and Eligibility
Direct Deposit and Account Management
Students and Dependents
Self-Employment and Government Pensions
Appeals and Denied Claims
Death of a Beneficiary
Child Benefits
Workers' Compensation and Other Benefits
Medicare Enrollment
Divorce and Spousal Benefits
Taxation of Benefits
Immigration Status and Living Abroad
Change of Address and Replacement Cards
Retirement and Disability Benefits
Working and Earning Limits
Benefit Amounts and Calculation
Application and Enrollment
Eligibility and Qualifications
Reset Categ0ry
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Additional Advice and Resources
Can I receive Social Security disability benefits and unemployment benefits at the same time?

No, you cannot receive both Social Security disability benefits and unemployment benefits at the same time.

Medicare Enrollment
How do I enroll in Medicare if I am already receiving Social Security benefits?

If you are already receiving Social Security benefits, you will automatically be enrolled in Medicare at age 65.

Reporting changes
How do I report changes in my earnings while receiving Social Security benefits?

You should report changes in your earnings to the Social Security Administration as soon as they occur. You can report changes by logging into your online account, calling the Social Security Administration, or visiting a local Social Security office.

Workers' Compensation and Other Benefits
Can I receive Social Security benefits while also receiving workers' compensation?

Yes, you can receive Social Security benefits while also receiving workers' compensation, but the amount of benefits may be affected by the amount of workers' compensation you are receiving.

Early retirement impact
How does my Social Security benefit change if I take early retirement?

If you take early retirement, your Social Security benefit will be reduced, as it is designed to provide the same total amount over a longer period of time. The amount of reduction will depend on your full retirement age and the age at which you begin receiving benefits.

Reporting changes
How do I report changes in my marital status while receiving Social Security benefits?

You should report changes in your marital status to the Social Security Administration as soon as they occur. You can report changes by logging into your online account, calling the Social Security Administration, or visiting a local Social Security office.

Cost of Living Adjustment (COLA)
How is the Social Security cost-of-living adjustment (COLA) determined?

The Social Security cost-of-living adjustment (COLA) is determined by the increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) from the third quarter of the last year a COLA was determined to the third quarter of the current year.

Retirement and Disability Benefits
Can I collect Social Security benefits while also receiving a pension from a non-government job?

Yes, you can collect Social Security benefits while also receiving a pension from a non-government job, but the pension may affect the amount of benefits you receive.

Reporting changes
How do I change my address for Social Security benefits?

You can change your address for Social Security benefits by logging into your online account, calling the Social Security Administration, or visiting a local Social Security office.

Death of a Beneficiary
Can I receive Social Security survivor benefits?

Yes, if you are the surviving spouse, child, or parent of a deceased Social Security beneficiary, you may be eligible to receive survivor benefits.

Benefit Amounts and Calculation
What is the Social Security earnings test and how does it affect my benefits?

The Social Security earnings test is a calculation that determines if your benefits will be reduced based on your income. It can affect your benefits if you continue working while receiving retirement benefits.

Additional Advice and Resources
How often will my Social Security benefits be reviewed?

Your Social Security benefits will be reviewed periodically, typically every 3 to 7 years, depending on the type of benefit you are receiving.

Application and Enrollment
How can I check the status of my Social Security claim?

You can check the status of your Social Security claim by logging into your online account, calling the Social Security Administration, or visiting a local Social Security office.

Benefit Amounts and Calculation
How does my income affect my Social Security benefits?

Your income can affect your Social Security benefits if you continue working while receiving retirement benefits, as there may be limits on the amount you can earn without having your benefits reduced.

Immigration Status and Living Abroad
Can I receive Social Security benefits while living outside of the U.S.?

Yes, you can receive Social Security benefits while living outside of the U.S., but there may be restrictions and limits based on the country you are living in.

Fraud and Suspicious Activity
How do I report fraud or suspicious activity related to my Social Security benefits?

You can report fraud or suspicious activity related to your Social Security benefits by contacting the Social Security Administration's Office of the Inspector General.

Incarceration and Eligibility
Can I receive Social Security benefits if I am in prison?

Generally, individuals in prison are not eligible to receive Social Security benefits. However, the eligibility may be determined on a case-by-case basis.

Direct Deposit and Account Management
How do I update my direct deposit information for Social Security benefits?

You can update your direct deposit information by logging into your online account, calling the Social Security Administration, or visiting a local Social Security office.

Self-Employment and Government Pensions
What happens to my Social Security benefits if I have a government pension?

If you have a government pension, your Social Security benefits may be affected. The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) may reduce the amount of Social Security benefits you receive.

Students and Dependents
Can I receive Social Security benefits if I am a student?

Generally, students under the age of 18 who are dependent on their parents may be eligible to receive Social Security benefits. However, there are certain restrictions and the eligibility is determined on a case-by-case basis.

Benefit Amounts and Calculation
How can I estimate my future Social Security benefits?

You can estimate your future Social Security benefits by creating an account on the Social Security Administration's website and using their online retirement estimator tool.

Self-Employment and Government Pensions
Can I receive Social Security benefits if I am self-employed?

Yes, if you are self-employed, you are still required to pay self-employment taxes, which will count towards your Social Security earnings record.

Appeals and Denied Claims
How do I appeal a denied Social Security claim?

You can appeal a denied Social Security claim by filing a request for reconsideration or a request for a hearing with an administrative law judge.

Death of a Beneficiary
How do I report the death of a Social Security beneficiary?

You should report the death of a Social Security beneficiary as soon as possible to the Social Security Administration. You can report the death by phone, in person at a local Social Security office, or by mail.

Child Benefits
Can I receive Social Security benefits for a child? (child benefits)

Yes, if you are a parent and your child is under the age of 18 (or 19 if still in high school) and is disabled or dependent on you, you may be eligible to receive Social Security benefits for your child.

Reporting changes
How do I report changes in my employment status while receiving Social Security disability benefits?

You should report changes in your employment status to the Social Security Administration as soon as they occur. You can report changes by logging into your online account, calling the Social Security Administration, or visiting a local Social Security office.

Workers' Compensation and Other Benefits
Can I receive both Social Security disability benefits and workers' compensation at the same time?

Yes, you can receive both Social Security disability benefits and workers' compensation at the same time, but there may be limits on the total amount you can receive.

Medicare Enrollment
How do I enroll in Medicare while receiving Social Security benefits?

Enrollment in Medicare is automatic if you are already receiving Social Security benefits.

Divorce and Spousal Benefits
Can I receive Social Security benefits if I am divorced?

Yes, if you were married for at least 10 years and are currently unmarried, you may be eligible to receive Social Security benefits based on your ex-spouse's earnings record.

Taxation of Benefits
Will my Social Security benefits be taxed?

It depends on your income. Some people may have to pay taxes on their Social Security benefits, while others may not.

Benefit Amounts and Calculation
How does my Social Security benefit amount change if I start receiving it at a different age?

The amount of your Social Security benefit will be based on the age at which you start receiving it. The earlier you start receiving benefits, the lower your benefit amount will be.

Immigration Status and Living Abroad
What happens to my Social Security benefits if I move to another country?

Your Social Security benefits will continue to be paid as long as you are eligible, but the amount of benefits may be affected by the country you move to and the agreements in place between the U.S. and that country.

Immigration Status and Living Abroad
Can I receive Social Security benefits if I am not a U.S. citizen?

It depends on your immigration status and how long you have been living in the United States. Legal permanent residents may be eligible for Social Security benefits, but non-citizens may have restrictions.

Reporting changes
How do I change my name on my Social Security card?

You can change your name on your Social Security card by submitting an application online or in person at a Social Security office, along with documents proving your identity and the legal name change.

Change of Address and Replacement Cards
How do I get a replacement Social Security card?

You can request a replacement Social Security card by submitting an application online, by mail or in person at a Social Security office.

Change of Address and Replacement Cards
How do I report a change of address to the Social Security Administration?

You can report a change of address to the Social Security Administration by logging into your online account, calling the Social Security Administration, or visiting a local Social Security office.

Retirement and Disability Benefits
What is the difference between Social Security retirement benefits and disability benefits?

Social Security retirement benefits are available to individuals who have reached the full retirement age and have paid into the Social Security system through payroll taxes. Social Security disability benefits are available to individuals who are unable to work due to a disability.

Working and Earning Limits
Can I continue to work and receive Social Security benefits?

Yes, you can continue to work and receive Social Security benefits, but there may be limits on the amount of money you can earn.

Benefit Amounts and Calculation
How is my Social Security benefit amount determined?

Your Social Security benefit amount is based on your lifetime earnings and the age at which you start receiving benefits.

Retirement and Disability Benefits
When can I start receiving Social Security retirement benefits?

You can start receiving Social Security retirement benefits as early as age 62, but the amount you receive will be reduced if you start receiving benefits before your full retirement age.

Application and Enrollment
How do I check the status of my Social Security application?

You can check the status of your Social Security application by logging into your online account or by calling the Social Security Administration.

Benefit Amounts and Calculation
How much can I expect to receive in Social Security benefits?

The amount you will receive in Social Security benefits depends on your lifetime earnings and the age at which you start receiving benefits.

Application and Enrollment
How do I apply for Social Security benefits?

You can apply for Social Security benefits online, by phone, or in person at a local Social Security office.

Additional Advice and Resources
What is Social Security and how does it work?

Social Security is a government-funded program that provides retirement, disability, and survivor benefits to eligible individuals. It is funded by payroll taxes paid by workers and employers.