August 2010

As you get closer to retirement one of your top questions is probably when and how to apply for Social Security benefits. Should you submit your Social Security application at age 62 or 66? What are the steps to apply for Social Security once you’ve decided to start collecting retirement benefits? We’ll address these questions and more in the following paragraphs.

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Spouses who do not work or who have substantially lower earnings than their spouse may be able to collect Social Security benefits based on their spouse’s earnings. Below is a common question about spousal benefits when one spouse is a homemaker.

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