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Social Security tips

 

By Stephanie Holland, Social Security Public Affairs Specialist

Labor Day isn’t your only reward for hard work

On Labor Day, many Americans enjoy a long weekend to commemorate the hard work they do the rest of the year, as well as those who support working people. With barbecues and ballgames, beach trips and fireworks, this annual holiday often marks the unofficial end of summer. Established in 1882, Labor Day has become a timeless American tradition that many look forward to all summer.

Labor Day also reminds us that all our hard work is paying off in more ways than one. If you work 10 years, and receive four credits each year for a total of 40 credits, you’ll enjoy the security of Social Security retirement benefits. Remember, those years don’t have to be consecutive. You can check your Social Security Statement and make sure you have enough credits by opening a my Social Security account at www.socialsecurity.gov/myaccount.

The best way to see what those benefits might be is to visit Social Security’s Retirement Estimator at www.socialsecurity.gov/estimator. The Retirement Estimator is an easy way to get an instant, personalized estimate of future retirement benefits. The Estimator uses your actual earnings history to compute a benefit estimate.

In the past, applying for benefits could be laborious, requiring you to drive to a Social Security office, wait, and fill out paperwork. Now, you can visit www.socialsecurity.gov/applyonline to apply online for retirement benefits.

In most cases, after you submit your online application electronically, that’s it. There are no additional forms to sign or paperwork to complete. In rare cases, we’ll need additional information, and a representative will contact you.

Labor Day might mean something a little different once you’re retired. Spend a few moments considering what your hard work has earned in the form of Social Security protection for you, your family, and working people everywhere.

Stephanie Holland is the public affairs specialist for West Michigan.  You can write her c/o Social Security Administration, 455 Bond St, Benton Harbor MI 49022 or via email at stephanie.holland@ssa.gov

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