About Retirement Planning: Make Sense of Social Security

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Retirement Planning Retirement Planning Quick Start How to Save Retiring From Melissa Phipps, your Guide to Retirement Planning If you are at or near retirement age, congratulations -- you may have the opportunity to collect Social Security. (People who are 20-plus years from retirement may not be so lucky. But that's another discussion.) Now you just have to figure out how Social Security works. When to Apply for Social Security You can start getting Social Security retirement benefits as early as age 62, but to get full benefits you must wait until full retirement age. What age is that? It depends on when you were born. See More About:  social security  social security benefits  retirement age How to Apply for Social Security You can sign up for Social Security in a few different ways, but the recommended way is via an online application. Even if that sort of thing intimidates you, the process if fairly easy. See More About:  social security  when to retire  top steps before you retire Understand How Spousal Benefits Work Even if you never worked and earned Social Security credits, you may qualify for retirement benefits through your spouse, or even your ex-spouse. See More About:  social security  spousal benefits  couples and retirement What If I Want to Keep Working? You can apply for Social Security if you are still working. The amount you receive in benefits may be reduced while you receive other income, but it all works out over time. See More About:  social security  working in retirement  full retirement age Retirement Planning Ads Social Security Social Security Card Social Security SSI Planning Retirement Ira Retirement Plan Featured Articles Glossary of Retirement Planning Terms How to Begin Saving For Retirement Individual Retirement Accounts (IRAs) 401K Plans IRA Withdrawals Investing for Retirement   More from About.com Bake Sale Bestsellers Make your next bake sale a profitable one with these irresistible recipes. More> Real Recipes app Download our highly-rated app for free recipes and kitchen tools, for iPhone and iPod Touch. More> This newsletter is written by: Melissa Phipps Retirement Planning Guide Email Me | My Blog | My Forum   Sign up for more free newsletters on your favorite topics You are receiving this newsletter because you subscribed to the About.com Retirement Planning newsletter. If you wish to change your email address or unsubscribe, please click here. About.com respects your privacy: Our Privacy Policy Contact Information: 249 West 17th Street New York, NY, 10011 © 2012 About.com   Must Reads Make Sense of Retirement Accounts Roth IRA Contribution Limits 2012 What To Do With Those Old 401(k)s IRA Contribution Limits 2012 Before You Take a 401(k) Loan Advertisement