Social Security Tips for May 2015

There is always a lot of confusion related to spouse’s benefits and retirement benefits. Many are eligible for both but are unsure of how to go about it. Remember, if someone is eligible for both their own retirement benefits and for benefits as a spouse, and they file before their full retirement age, Social Security always pays their own benefit first. If their benefits as a spouse are higher than their retirement, they will get a combination of benefits equaling the higher spouse benefit.


For more information and an example, go to the FAQs site and type in keyword spouse:




We rarely need to show our Social Security card, which is why you should never carry it with you. Keep it in a safe place with the rest of the important papers. For those of you that lost your Social Security card and need a replacement, visit the website to ensure that you have correct documentation before visiting the local Social Security office.


For information on how to get a new or replacement or corrected Social Security card, go to




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Watch our video How Social Security Can Help You Plan for Retirement, to understand the role that Social Security plays in retirement planning. In addition, knowing the planning tools and other help available from Social Security makes retirement planning so much easier.