ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Social Security and Senior Citizens

Updated on September 14, 2009
Senior Citizen by blackpitshooting
Senior Citizen by blackpitshooting

Most senior citizens seem to know quite a bit about Social Security. They also know they must know about it, but let's hit a few of the highlights here to make sure you are up to speed if you now are on Social Security or may soon be on it.

Social Security is not based on financial need. It is payable if you have worked enough quarters of coverage in covered employment. Forty quarters of coverage will fully insure a worker for life. If you have worked for ten years, you can assume you are insured.

Actually computing benefits is complicated. It requires detailed information. The Social Security administration regularly sends out these calculations to those in the system. You can also request an estimate of benefits with Form SSA-7004-PC-OP2. Call 800-937-2000 for this form.

Most workers start receiving benefits at age 65, although this is going up depending on your birth year. You can receive benefits at 62 but this reduces your monthly payout permanently unless you buy back into full benefits by repaying what you received. You can also delay retirement and earn more per month than you would have at 65.

Benefits can also be paid to unmarried children under 18 upon the death of an insured parent. Others who can receive this benefit are unmarried children under 19 if a full time elementary or secondary student, and unmarried child over 18 who was severely disabled before 22, a surviving spouse over 60, and other benefits for disabled individuals.

As a senior citizen, you can get benefits if you are older than 62, unmarried, and were the dependent of a fully insured deceased individual.

You must file an application for benefits. You should file three months before you are eligible and wish to retire. You will need your Social Security number, proof of age, and either W-2 forms or federal income tax return. You will need other documentation if you are applying as a dependent of a deceased person.

You must file personally. If the insured is unable to file, then a family member can file as a care giver.

If you are denied benefits, you can appeal, but there is usually a 60 day time limit for reconsideration.

Supplemental Security Income is not Social Security but it is closely associated with you. For low income seniors, you can receive both Social Security and SSI in many situations. It is based on financial need. You can also apply at the Social Security office if you are over 65 and believe you qualify for SSI.


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)