elplaguister/DTS_session_datasets huggingface dataset:
user: Hi. I need help with planning for retirement.[NEWLINE]agent: Are you looking for information for you or for your family?[NEWLINE]user: I am just looking for help for me.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you looking for information on maximum family benefits?[NEWLINE]user: Sure, that may help.[NEWLINE]agent: Do you have children?[NEWLINE]user: No, I do not.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have information for benefits for my spouse?[NEWLINE]agent: Yes. I can help with information if you want benefits between the age of 62 and full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: I have a question. Do I need a bank account? because now I have it blocked if needed I could go to reopen it[NEWLINE]agent: bring along your bank information so you can sign up for Direct Deposit If you do not have a bank account you can sign up for the Direct Express card program[NEWLINE][BOUNDARY][NEWLINE]user: Got it. Another question about Disability Benefits resources, where can I get more information about disability?
user: Can you help me with family retirement benefits?[NEWLINE]agent: Are you receiving benefits?[NEWLINE]user: Not yet, but my spouse is.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need help with the maximum amount od benefits?[NEWLINE]user: No, more how much the family as a whole is eligible for.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you 62 or over?[NEWLINE]user: No, and I haven't retired yet.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you qualify for benefits on your own record?[NEWLINE]user: No, I haven't worked long enough.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How much can my family receive total?[NEWLINE]agent: Most of the time the family total is 150%-180% of the person's full retirement benefit.[NEWLINE][BOUNDARY][NEWLINE]user: I'm a disabled widow, what conditions do I need to meet to receive benefits?[NEWLINE]agent: First of all your condition needs to meet the definition of disability for adults.[NEWLINE][BOUNDARY][NEWLINE]user: Sure, now, when applying, do you need any bank information? What if I don't have a bank account?
user: What is required to be able to use the retirement benefits planner?[NEWLINE]agent: Are you aware that members of your family may also be eligible to receive benefits?[NEWLINE]user: No I was not aware of this. What is required for family members to be eligible to receive benefits?[NEWLINE]agent: Have you already started receiving Security retirement benefits?[NEWLINE]user: Yes I received my first payment a month ago.[NEWLINE]agent: Some members of your family may qualify to receive benefits. Your spouse or child may receive a monthly payment of up to one-half of your full retirement benefit amount.[NEWLINE][BOUNDARY][NEWLINE]user: understood. Do you have additional information on when it is best to start with my benefits?[NEWLINE]agent: It is all up to you at what age you want to start your retirement such as age 62, full retirement or age 70; but we can give you some additional information that could help you make the decision.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I do not sign up?[NEWLINE]agent: Your Medicare coverage could cost you more and could be delayed.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any additional information for early or late retirement?[NEWLINE]agent: Yes, you should consider Retirement Information for Medicare Benificiaries.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I have all ready reached full retirement age?[NEWLINE]agent: You can choose to start benefits before the month you apply; but we will not pay retroactive benefits for any months before full retirement age.[NEWLINE]user: Is it a possibility my benefits will cost more if I do not sign up?
user: I need benefits for my children[NEWLINE]agent: Do you qualify for social security disabilty benefits?[NEWLINE]user: yes[NEWLINE]agent: your children may also qualify for  benefits on your record. Your eligible child can be your biological child, adopted child, or stepchild[NEWLINE]user: What about a grandchild?[NEWLINE]agent:  A dependent grandchild may also qualify[NEWLINE][BOUNDARY][NEWLINE]user: This reminds me of having enough Social Security credits. There are also various services available, right?[NEWLINE]agent: The law states that we have to review your case from time to time to make sure you are still disabled.  We will let you know ahead of time that the review will be coming up.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to work again like most people?[NEWLINE]agent: That is good if you want to work again and not live off disability benefits.[NEWLINE]user: Is there a way to keep my benefits and work?[NEWLINE]agent: Yes, we have special rules that let you work and keep your Medicare and cash benefits and we call these work incentives.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any publications that would be helpful?
user: Could I be eligible for spouse's benefits and have access to my spouse's estimate?[NEWLINE]agent: Would you like to find the estimated amount of retirement benefit your spouse could be eligible to receive at full retirement age?[NEWLINE]user: No, not at this time.[NEWLINE]agent: Do you know that you need to divide the amount in half and round down to the nearest dollar?[NEWLINE]user: No, I did not know that is how it is figured out.[NEWLINE][BOUNDARY][NEWLINE]agent: Then you cannot figure out the monthly amount of your Social Security benefit as a spouse.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a best time to start my benefits?[NEWLINE]agent: It is all up to you at what age you want to start your retirement such as age 62, full retirement or age 70; but we can give you some additional information that could help you make the decision.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I do not sign up?[NEWLINE]agent: Your Medicare coverage could cost you more and could be delayed.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any additional information for early or late retirement?[NEWLINE]agent: Yes, you should consider Retirement Information for Medicare Benificiaries.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I have all ready reached full retirement age?[NEWLINE]agent: You can choose to start benefits before the month you apply; but we will not pay retroactive benefits for any months before full retirement age.[NEWLINE]user: Is it a possibility my benefits will cost more if I do not sign up?
user: I would like to know what is government pension compensation?[NEWLINE]agent: Will you receive a pension for a job not covered by Social Security?[NEWLINE]user: yes[NEWLINE]agent: This type of benefit reduction is called a GPO.[NEWLINE][BOUNDARY][NEWLINE]user: If I am eligible for my spouse's benefits and have access to my spouse's estimate, what can I do?[NEWLINE]agent: Do you want to find the estimated amount of retirement benefit that your spouse would be eligible to receive at full retirement age?[NEWLINE]user: yes[NEWLINE][BOUNDARY][NEWLINE]agent: You can find the estimated monthly amount of your Social Security benefit as a spouse, widow, or widower before the GPO effect[NEWLINE][BOUNDARY][NEWLINE]user: Is there a possibility that the benefits that are paid to me as a spouse decrease what my spouse will get at retirement? Because if so, I would not want to continue in this program I like things are fair[NEWLINE]agent: Actually the value of the spouse's benefits you receive, could be added to their benefits and may help your spouse decide to take benefits sooner.[NEWLINE][BOUNDARY][NEWLINE]user: What is the amount you could pay family benefits?
user: What documents do I need to apply?[NEWLINE]agent: We will need original documents for U.S. citizenship[NEWLINE]agent: Have you established your childs us  citizenship withus?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What happens if my child is not a u.s. citizen?[NEWLINE]agent: ] Social Security will ask to see a current DHS document.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it.  DHS document is also something I'd like to know. I need additional details.[NEWLINE]agent:  visit our webpage Medicare Resources.[NEWLINE][BOUNDARY][NEWLINE]user: If I Disagree With Our Decision[NEWLINE]agent: you disagree with the decision we made about your income - related monthly adjustment amounts[NEWLINE]user: yes
user: When is a good time to use the Benefits Planner?[NEWLINE]agent: What is your age?[NEWLINE]user: I am close to retirement age and was wondering when would be the best time to start my benefits.[NEWLINE]agent: Is your age between the 50 and 60 range?[NEWLINE]user: No I am a little younger.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have a choice as to when I should apply for benefits?[NEWLINE]agent: Yes you have a choice. You should make an informed decision about when to apply for benefits based on your individual and family circumstances.[NEWLINE]user: how many credits do they need to provide in order for their survivor to be eligible for Social Security Benefits?[NEWLINE]agent: The number of credits needed to provide benefits for survivors depends on the worker's age when they die. No one needs more than 40 credits 10 years of work to be eligible for any Social Security benefit[NEWLINE]user: I still have a query about the year's earnings. What kind of advantages will I get?[NEWLINE]agent: Benefits depend on your circumstances. Are you still working? If you are still working you may have to give up some of your benefits.[NEWLINE]user: Does family history come into the calculation of benefits?
user: Is there an estimator I can find out my benefits for ss on your site?[NEWLINE]agent: Yes  you can find out how the reitrement estimator works[NEWLINE]user: How does the estimator work is it just an estimate?[NEWLINE]agent: e Retirement Estimator gives estimates based on your actual Social Security earnings record   keep in mind that these are just estimates.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about  the special rules. What can you tell me about pensions and other factors[NEWLINE]agent: Pensions and taxes have the potential to impact your retirement benefit. Review the resources below on pensions and other factors you should consider[NEWLINE][BOUNDARY][NEWLINE]user: Ready To Retire?[NEWLINE]agent: Apply Online For Retirement Benefits[NEWLINE][BOUNDARY][NEWLINE]user: What Else Affects I Retirement Benefits[NEWLINE]agent: You can choose to keep working beyond your full retirement age. If you do, you can increase your future Social Security benefits. Each extra year you work adds another year of earnings to your Social Security record.[NEWLINE]agent: Do you work beyond your full retirement age?[NEWLINE]user: yes
user: I need help with benefits for my family.[NEWLINE]agent: Will you be receiving Social Security retirement benefits?[NEWLINE]user: No, I will not be receiving Social Security retirement benefits right now.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is there maximum family benefits?[NEWLINE]agent: Does one of your children qualify for benefits?[NEWLINE]user: No I have no children for benefits.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Will benefits paid to my spouse make me have a lower retirement benefit?[NEWLINE]agent: Benefits for you will stay the same even if your spouse receives paid benefits.  Also, it may be better for you to take your benefits sooner after your spouses benefits are added to yours.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me on what will be the effect to my retirement benefits if I decided to delay my application for Medicare?[NEWLINE]agent: Your Medicare coverage could cost you more and could be delayed.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any additional information for early or late retirement?[NEWLINE]agent: Yes, you should consider Retirement Information for Medicare Benificiaries.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I have all ready reached full retirement age?[NEWLINE]agent: You can choose to start benefits before the month you apply; but we will not pay retroactive benefits for any months before full retirement age.[NEWLINE]user: Is it a possibility my benefits will cost more if I do not sign up?
user: Hello there. I need some information about family benefits. please.[NEWLINE]agent: Do you have any child?[NEWLINE]user: No i don't have any at the moment.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: Say, any member of my family can apply for benefits too?[NEWLINE]agent: Yes, they can. In that case, we'll ask you Social Security Numbers and birth certificates.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing. What is the best way to check my Pension Benefit Guaranty Corporation?[NEWLINE]agent: you may be able to use the PBGC's Find an Unclaimed Pension tool to find out if you have unclaimed benefits.[NEWLINE][BOUNDARY][NEWLINE]user: I'm hoping to find out as well about the SSDI benefits. And how do you assess an adult with a disability?[NEWLINE]agent: We will assess your disability in the same way that we would assess disability for any adult.[NEWLINE][BOUNDARY][NEWLINE]user: my spouse has a mental disability. I see, and something else, I was wondering how much my spouse could receive in benefits?[NEWLINE]agent: Do your spouse has qualifications in his/her record?[NEWLINE]user: No, it hasn't any.[NEWLINE]agent: Is your benefits on your record higher than your spouse?[NEWLINE]user: Yeah, my benefits are higher than my spouse.
user: Hi there, I want to fond out how much my spouse will receive in benefits upon retirement?[NEWLINE]agent: Does your spouse qualify for benefits on their own Social Security record?[NEWLINE]user: Yes, they do[NEWLINE]agent: In this instance, we pay their own benefits first[NEWLINE]user: What happens if my spouse qualifies for benefits from their own record and also from my record?[NEWLINE]agent: null[NEWLINE][BOUNDARY][NEWLINE]user: How much in total can a family receive in benefits?[NEWLINE]agent: The total amount varies but generally, the total amount that you and your family can receive is about 150 to 180 percent of your full retirement benefit[NEWLINE]user: I'd still like to learn more about the retirement payout. Is it re-evaluated on a yearly basis?[NEWLINE]agent:  it could mean a higher benefit for you in the future.    Each year we review the records for all working Social Security recipients[NEWLINE][BOUNDARY][NEWLINE]user: how much can i earn and get benefits still?[NEWLINE]agent:  For 2019, [19] that limit is $ 17,640[NEWLINE][BOUNDARY][NEWLINE]user: what if my earnings are higher?
user: Hey there, I would like to know more about benefits for my family.[NEWLINE]agent: Of course. Did you start to receive Social Security retirement benefits yet?[NEWLINE]user: Yes, since this month.[NEWLINE]agent: Well, then some members of your family may also qualify to receive benefits on your record. Your spouse or child may receive a monthly payment of up to one - half of your full retirement benefit amount. These payments will not decrease your retirement benefit.[NEWLINE][BOUNDARY][NEWLINE]user: What if they begin to receive those benefits?[NEWLINE]agent: Between age 62 and their full retirement age, the amount will be permanently reduced by a percentage based on the number of months up to their full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: Another question for you about your health insurance coverage. Are they benefits for life?[NEWLINE]agent: Yes, the lifetime benefits we can pay on your account[NEWLINE][BOUNDARY][NEWLINE]user: What about Health Insurance Coverage?[NEWLINE]agent: Medicare is our country 's health insurance program for people age 65 or older.[NEWLINE][BOUNDARY][NEWLINE]user: Should I Sign Up For Medical Insurance?
user: Hello there. I'm interested in knowing about some benefits for my family, please.[NEWLINE]agent: Are you going to start receiving social security retirement benefits?[NEWLINE]user: No, not yet, but i'm interested into knowing about the matter.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: For example, what would happen if any of my family members apply for benefits along me?[NEWLINE]agent: Well, that is perfectly possible, and in that case we'll ask for your familiar's SS numbers and their birth certificates.[NEWLINE]user: Another thing to consider is self-employment income. Another question  is the labor credit set in stone or does it fluctuate?[NEWLINE]agent: The amount needed for a work credit changes from year to year. In 2019, for example, you earn one credit for every $ 1,360 in wages or self-employment income.[NEWLINE][BOUNDARY][NEWLINE]user: I see, another question about the retirement benefits for my family, what would be the amount they would receive?[NEWLINE]agent: Well, taking your spouse as example, after effectively qualify, your spouse would receive a monthly payment of up to one half of your full retirement benefit amount. Best of all, those payments won't affect your retirement benefit.[NEWLINE][BOUNDARY][NEWLINE]user: I understand perfectly now I feel calmer another question that I have is. What other documents will you ask for?[NEWLINE]agent: We may ask you to provide certain documents to show that you are eligible and help us decide how much your benefits should be[NEWLINE][BOUNDARY][NEWLINE]user: Okay. Now, I'd like to ask you regarding my spouse if she qualifies for the benefits on her own record, will she receive additional benefits on my record?[NEWLINE]agent: Ok. If that's the case and your spouse qualify by own record, we'll pay that amount first, and then the other ones.[NEWLINE][BOUNDARY][NEWLINE]user: And another question, please. Will those spouse benefits decrease my own retirement benefits?[NEWLINE]agent: Not at all. I can tell you, that you could find the amount your spouse will receive very useful, because it could help you to decide if you want to take your benefits earlier.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, that sounds tempting, i'll have to think about it. Wanna check something, please. You said before that if my spouse gets qualified on its own record, you would pay that amount first, isn't?
user: I am confused about family benefits.[NEWLINE]agent: Do any of your children qualify for benefits?[NEWLINE]user: Not all of them.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How do spousal benefits work?[NEWLINE]agent: Does your spouse qualify for benefits based on their own record?[NEWLINE]user: No, they don't qualify.[NEWLINE]agent: If they did qualify and your benefit record is higher, then they get their benefit plus the difference.[NEWLINE]user: No, pretty sure they don't qualify.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is she eligible even though she didn't work?[NEWLINE]agent: She may be eligible if she is at least 62 years old.[NEWLINE]user: Something else I want to ask about pension. What is the best way to check my Pension Benefit Guaranty Corporation?[NEWLINE]agent: you may be able to use the PBGC's Find an Unclaimed Pension tool to find out if you have unclaimed benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Another query about Related Information. What other resources are available on this subject?
user: Good afternoon. I was told to use this channel to find out about the maximum benefits a family can get, could you please help me out with that?[NEWLINE]agent: Do you have any children who could qualify?[NEWLINE]user: Yeah, in fact i have.[NEWLINE]agent: Very good. Well then, you must know that in this case, there's a limit for what we can pay to each family. Your total would depend on the benefit amount and the number of family members who also qualify on your record.[NEWLINE][BOUNDARY][NEWLINE]user: Um, i see, those factors are reasonable. Look, another doubt i have is if my spouse can get any benefit or at least medicare, even she didn't worked under social security, is it possible?[NEWLINE]agent: Don't worry, if fact she can. Even if she never worked under SS, she can get benefits if is at least 62 of age and you are already receiving your retirement or disability benefits. In regard of medicare, she can qualify at age 65.[NEWLINE]user: One more thing for Retire Early. What would happen if I start my benefits early?.[NEWLINE]agent: What would happen to your benefits is that it would get reduced by a fraction of a percent for each month before your full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: And if I decide to dealy my benefits until after full retirement age?[NEWLINE]agent: then you may receive the benefit of getting delayed retirement credits that would increase your monthly benefit.[NEWLINE][BOUNDARY][NEWLINE]user: What is exactly the full retirement age?
user: How much will my spouse recieve?[NEWLINE]agent: If your spouse qualifies for benefits on their own record, we will pay that amount first.[NEWLINE]user: My spouse does not have benefits.[NEWLINE]agent: okay no problem.[NEWLINE]user: What if they are getting benefits?[NEWLINE]agent: the amount will be permanently reduced by a percentage based on the number of months up to their full retirement age[NEWLINE]user: What if my record is higher?[NEWLINE]agent:  they will get an additional amount on your record so that the combination of benefits equals that higher amount[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know how much  the amount will be permanently receive.[NEWLINE]agent: Benefits paid to you as a spouse will not decrease your spouse s retirement benefit. In fact, the value of the benefits you may receive, added to their benefits, may help your spouse decide if taking benefits sooner may be more advantageous. Is it possible that your retirement income would be reduced?[NEWLINE][BOUNDARY][NEWLINE]user: By applying, do I qualify if my spouse is already receiving benefits when I submit the application?
user: I need to find information to get benefits for my family on my SS[NEWLINE]agent: Have you started receiving your benefits already?[NEWLINE]user: Yes[NEWLINE]agent: some members of your family may also qualify to receive benefits on your record[NEWLINE][BOUNDARY][NEWLINE]user: there is something else about retirement benefits, what will be the correct age to take these benefits?[NEWLINE]agent: We do not make the decision for you and think you should look at additional information regarding if you should start at age 62, full retirement age, or age 70.[NEWLINE]user: Is there a best time to start my benefits?[NEWLINE]agent: It is all up to you at what age you want to start your retirement such as age 62, full retirement or age 70; but we can give you some additional information that could help you make the decision.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I do not sign up?[NEWLINE]agent: Your Medicare coverage could cost you more and could be delayed.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any additional information for early or late retirement?[NEWLINE]agent: Yes, you should consider Retirement Information for Medicare Benificiaries.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I have all ready reached full retirement age?[NEWLINE]agent: You can choose to start benefits before the month you apply; but we will not pay retroactive benefits for any months before full retirement age.[NEWLINE]user: Is it a possibility my benefits will cost more if I do not sign up?