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Social Security For Dummies® To view this book's Cheat Sheet, simply go to www.dummies.com and search for “Social Security For Dummies Cheat Sheet” in the Search box. Table of Contents
Оглавление1 Cover
4 Introduction About This Book Foolish Assumptions Icons Used in This Book Beyond the Book Where to Go from Here
5 Part 1: Getting Started with Social Security Chapter 1: What Social Security Is and Why You Need It Understanding What Social Security Means for You Appraising the Value of Social Security Understanding How You Pay for Social Security Getting the Most Out of Your Social Security Benefits Getting in Touch with the Social Security Administration Chapter 2: A Breakdown of Benefits Bringing Security to Old Age: Retirement Benefits Surviving the Loss of a Breadwinner Paying Your Bills When You Can’t Work: Disability Benefits When the Need Is Great: Supplemental Security Income Chapter 3: Deciding When to Start Collecting Retirement Benefits Paying Attention to Your Full Retirement Age Looking at Life Expectancy When You Claim Benefits Considering Your Spouse When You Claim Social Security Recognizing the Potential Payoff of Working Later in Life Putting It All Together: The Right Time to Begin Collecting Benefits Chapter 4: Protecting Your Number and Securing Your Card Getting a Social Security Number Managing Your Social Security Card Protecting Yourself by Protecting Your Number
6 Part 2: Taking the Plunge: Filing for Social Security Chapter 5: Signing Up for Benefits When to Apply for Social Security Benefits Where to Apply for Social Security Benefits How to Apply for Social Security Benefits How You Get Your Money: The Check Is Not in the Mail Chapter 6: Determining How Much You’ve Earned Your Social Security Statement Social Security Calculators Chapter 7: Navigating the System Being a Smart Consumer of Social Security Getting the Answers and Help You Need Life Happens: Keeping the Social Security Administration in the Loop Setting the (Earnings) Record Straight Halting Your Retirement Benefits Recovering a Lost or Stolen Social Security Check Getting Dinged for an Overpayment Getting Social Security in a Global Economy Registering a Complaint with the Social Security Administration Chapter 8: When You and Social Security Disagree: The Appeals Process Reconsideration: Taking Your First Step Going to an Administrative Law Judge to Solve Your Problem Knowing What to Expect from the Appeals Council Taking Your Claim to Federal Court
7 Part 3: Who Benefits and When Chapter 9: Spousal Benefits: Watching Out for Each Other Who Qualifies and Who Doesn’t How Much You Can Expect to Get How to Maximize Your Benefits Chapter 10: Family Benefits: Who Gets What Defining Who’s in the Family Identifying the Benefits Family Members Are Eligible For Looking at How Having a “Child in Care” May Affect Your Own Benefits Understanding the Family Maximum Counting on Kids’ Benefits When Parents Live Apart Managing Benefits on Behalf of a Child Chapter 11: When You Can’t Work: Social Security Disability Benefits The Two Types of Disability Benefits How Social Security Defines Disability How to Make Your Case What to Do If You Get Turned Down What Happens to Your Benefit If You Can Go Back to Work
8 Part 4: Social Security and Your Future Chapter 12: Enrolling in Medicare Understanding the ABCs (and D) of Medicare Qualifying for Medicare Signing Up for Medicare Paying Premiums Getting Hit with Late Fees Buying Extra Insurance: Medigap Getting Financial Help If You Need It Chapter 13: Working in “Retirement” The Pros and Cons of Not Retiring at Retirement Age The Earnings Test: How Your Payments Are Calculated When You Work When You Go Back to Work after Retirement Special Considerations for the Self-Employed Uncle Sam Giveth and Taketh Away: How Benefits Are Taxed Chapter 14: Shaping a Financial Future You Can Live With Envisioning Your Life with Social Security Preparing for Life on Social Security
9 Part 5: The Part of Tens Chapter 15: Ten Myths about Social Security Myth: Social Security Is a Ponzi Scheme Myth: Your Social Security Number Has a Racial Code in It Myth: Members of Congress Don’t Pay into the System Myth: Social Security Is Going Broke Myth: The Social Security Trust Funds Are Worthless Myth: You’d Be Better Off Investing in Stocks Myth: Undocumented Immigrants Make Illegal Social Security Claims Myth: When Social Security Started, People Didn’t Even Live to 65 Myth: Congress Keeps Pushing Benefits Higher than Intended Myth: Older Folks Are Greedy Geezers Who Don’t Need All Their Social Security Chapter 16: Ten Reasons Young People Should Care about Social Security If You’re Lucky, You’ll Be Old Someday Your Parents Will Be Old Even Sooner You’re Paying into the System Now You Benefit When Social Security Keeps People Out of Poverty You May Need Benefits Sooner than You Think Social Security Ensures That Time Doesn’t Eat Away at Your Benefit Social Security Benefits Are One Thing You Can Hang Your Hat On The System Works The Alternatives Are Worse Life Is Risky Chapter 17: Ten Choices Facing the Country about the Future of Social Security Whether to Increase the Earnings Base Whether to Cover More Workers Whether to Raise Taxes Whether to Cut Benefits Whether to Modify the Inflation Formula Whether to Raise the Full Retirement Age How to Treat Women More Fairly Whether to Divert People’s Taxes to Private Accounts Whether to Create a Minimum Benefit Whether to Give a Bonus for Longevity
10 Part 6: Appendixes Appendix A: Glossary Appendix B: Resources Social Security Medicare AARP Other Sources Appendix C: Strengthening Social Security
11 Index
