社会保障福利

估计的好处

According to the Social 安全 Administration (SSA)*, in 2020, nearly 9 out of 10 Americans age 65 and older received 社会保障福利. 的 majority of recipients depend on these benefits for about half their income.

You can get an estimate of your benefits at SSA.政府. 的 退休估计量 calculator accesses your Social 安全 earnings record when you provide your name, 社会安全号码, date and place of birth and mother's maiden name.

Keep in mind that even though the estimate is based on your actual earning record, 这仍然只是一个估计. Your actual benefit amount will be determined when your benefits begin and may vary slightly from your estimate due to 更新s in your earnings record, inflation and assumptions the calculator makes about your future earnings and length of employment.

美国.S. 政府ernment determines 社会保障福利 by how much you earn during your lifetime. 的 calculation is based on your full retirement age, when you retire and whether you continue working while collecting benefits.

法定退休年龄

的 age that you are eligible to receive your full Social 安全 benefit — called your full retirement age — is determined by your year of birth. People born in 1937 or before have a full retirement age of 65. 的 full retirement age increases slowly for those born after 1937. For anyone born after 1960, the full retirement age is 67.

早退休或晚退休

You don't have to wait until your full retirement age to retire. You can retire either earlier or later, although both will affect your 社会保障福利.

You can begin collecting benefits as early as age 62, but doing so reduces your benefits by as much as 30%. Keep in mind that your benefit amount will not readjust once you reach full retirement age. 的 reduction is permanent to compensate for drawing on Social 安全 for a longer period of time.

Delaying retirement increases your benefits. Along with adding years of earnings to your Social 安全 record, you'll receive a delayed retirement credit until age 70.

退休后工作

You can work after you begin collecting Social 安全, but if you're under your full retirement age, your benefits will be reduced $1 for every $2 you earn over the current earning limit until you reach your full retirement age. 一个好消息, though: Once you hit your full retirement age, 你的福利要重新计算, taking into account the months that benefits were withheld. Plus, you can then work as much as you want, with no earning limits.

计划你的未来

Take into consideration the factors that determine your 社会保障福利 when you're deciding when to retire and when to begin collecting benefits. Knowing how much you'll receive, and when, may be key factors in planning your retirement years. You can estimate what you'll receive by visiting the Social 安全 Administration's 社会保障计算器.