elplaguister/DTS_session_datasets huggingface dataset:
user: What can I learn about Retirement Benefits?[NEWLINE]agent: It is good to know what Social Security can mean for you and your family's future and you can learn how it works, who's eligible and what to consider before you actually apply.[NEWLINE][BOUNDARY][NEWLINE]user: Why should I verify my earnings history?[NEWLINE]agent: You should verify your earnings because the amount you would receive in Social Security benefits is based on the amount of your earnings record and it would mean no surprises.[NEWLINE][BOUNDARY][NEWLINE]user: What exactly is delayed retirement age?[NEWLINE]agent: Are you planning on taking your benefits beyond full retirement age?.[NEWLINE]user: No, I am not planning on waiting until after full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: What if I return to work later?[NEWLINE]agent: More credits could be added; but we can't pay any retirement benefits before you rach 40 credits.[NEWLINE][BOUNDARY][NEWLINE]user: What actually is the full retirement age?
user: I wonder when to start retirement benefits?[NEWLINE]agent: When to start collecting that benefit is a personal decision.[NEWLINE]user: At what point do you start receiving benefits?[NEWLINE]agent: It is noteworthy that you will receive the full amount of your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen to the unused money?[NEWLINE]agent: Primarily it goes to a Social Security trust fund that pays monthly benefits to you and your family.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if you delay collecting benefits?[NEWLINE]agent: This retirement benefit will continue to increase until age 70.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, what should I know?[NEWLINE]agent: The maximum retirement benefit of the Insurance depends on several factors.
user: Hi, do I need information regarding retirement benefits?[NEWLINE]agent: There is a maximum Social Security retirement.[NEWLINE]user: Can you tell me what is the maximum benefit?[NEWLINE][BOUNDARY][NEWLINE]user: I wonder if you can add more credits?[NEWLINE]agent: Sure, we also can't pay any retirement benefits until you have 40 credits.[NEWLINE][BOUNDARY][NEWLINE]user: Will benefits be reduced if you start receiving benefits before you reach full retirement age?[NEWLINE]agent: Of course, it is also important to know that the benefits are perceived from the age of 62.[NEWLINE][BOUNDARY][NEWLINE]user: What if he reaches that age and continues working?[NEWLINE]agent: Each additional year you work adds another year of earnings to your Social Security record.[NEWLINE]user: Perfect, what else can you tell me?
user: Hello, can you tell me about all the retirement benefits?[NEWLINE]agent: It is important that you continue reading to understand how Social Security fits into your retirement plan and all the benefits it can offer you.[NEWLINE][BOUNDARY][NEWLINE]user: What does social security consist of?[NEWLINE]agent: One of the important benefits is that they receive 40% of their pre-retirement income from Social Security.[NEWLINE]agent: This can happen while you are making your retirement plan.[NEWLINE]user: What does this retirement plan consist of?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more about such a process?[NEWLINE]agent: Review the various applications that can facilitate the process.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about the delayed retirement age?[NEWLINE]agent: It consists of delaying the collection of benefits, among other things.[NEWLINE]user: Okay, what else can you tell me.
user: Hey, I'm planning for retirement and need some input.[NEWLINE]agent: Alright. Planning is the key to creating your best retirement. You'll need to plan and save for years to achieve your retirement goals.[NEWLINE]agent: Are you aware of the many factors that affect retirement planning?[NEWLINE]user: Yes, I suppose so.[NEWLINE]agent: Then you should know that we want you to understand what Social Security can mean to you and your family's financial future.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds good. Now, how do the retirement benefits work exactly?[NEWLINE]agent: Social Security replaces a percentage of a worker s pre-retirement income based on their lifetime earnings. The portion of your pre-retirement wages that Social Security replaces is based on your highest 35 years of earnings and varies depending on how much you earn and when you choose to start benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Is there more than social security I should consider in my plan?[NEWLINE]agent: Remember, on average, retirement beneficiaries receive 40% of their pre-retirement income from Social Security.[NEWLINE]user: What does this mean when creating my retirement plan?[NEWLINE]agent: Knowing the approximate amount you will receive in Social Security benefits can help you determine how much other retirement income you'll need to reach your goals.[NEWLINE][BOUNDARY][NEWLINE]user: What about my taxes? Are they put on a savings account to ensure the safety of my retirement benefits?
user: when should I decide to start retirement benefits[NEWLINE]agent: Choosing when to start receiving retirement benefits is a personal decision[NEWLINE]agent: you choose to retire begin receiving benefits when you reach your full retirement age?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I do it?[NEWLINE]agent: you can increase your future Social Security benefits[NEWLINE][BOUNDARY][NEWLINE]user: How to check my earnings history[NEWLINE]agent:  The amount of the Social Security benefits you or your family receives depends on the amount of earnings shown on your record[NEWLINE][BOUNDARY][NEWLINE]user: What is your opinion[NEWLINE]agent: Working, Applying For Retirement, Or Both?[NEWLINE][BOUNDARY][NEWLINE]user: What Age Should You Start To Receive Benefits?
user: Hello, I would like to obtain information about Retirement Planning[NEWLINE]agent: Of course Planning is the key to creating your best retirement. You will have to plan and save for years to reach your retirement goals.[NEWLINE]agent: know the factors that can affect retirement planning?[NEWLINE]user: if I want to meet them[NEWLINE]agent: We want you to understand what Social Security can mean to you and your family's financial future.[NEWLINE][BOUNDARY][NEWLINE]user: How do retirement benefits work?[NEWLINE]agent: Social Security replaces a percentage of a worker's pre-retirement income based on his or her lifetime income.s The portion of his or her pre-retirement wages that Social Security replaces is based on their highest earnings of 35 years And it varies depending on how much you earn and when you choose to start benefits.[NEWLINE]user: The pre-retirement wages that Social Security replaces are based on what?[NEWLINE]agent: on your highest income of 35 years and varies according to how much you earn and when you choose to start benefits.[NEWLINE]user: and what do you do with the unused money?[NEWLINE]agent: The unused money goes to a Social Security trust fund that pays monthly benefits to you and your family when you start receiving retirement benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What types of income include special rules?
user: Hello, I would like to obtain information about retirement benefits[NEWLINE]agent: We want you to know what Social Security means to you and your family's financial future. In this section, you can learn how Social Security works, who is eligible for retirement benefits, and what to consider before applying. Read on to understand how Social Security fits into your retirement plan.[NEWLINE][BOUNDARY][NEWLINE]user: What is the full retirement age?[NEWLINE]agent: The full retirement age is the age at which you will be able to collect the full amount of your retirement benefit. The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually if you were born from 1955 to 1960, until he turns 67 years old.[NEWLINE]agent: Were you born after 1960?[NEWLINE]user: yes[NEWLINE]agent: For anyone born in 1960 or later, full retirement benefits are paid at age 67. You can find your full retirement age by year of birth in the full retirement age table.[NEWLINE][BOUNDARY][NEWLINE]user: what else should i do...[NEWLINE]agent: Set up your financial plan with Social Security[NEWLINE][BOUNDARY][NEWLINE]user: and all income is calculated the same?[NEWLINE]agent: there are some types of income that have additional rules[NEWLINE][BOUNDARY][NEWLINE]user: At what age should you start receiving benefits?
user: Hello, I would like to obtain information about What affects your retirement benefits?[NEWLINE]agent: Everyone's retirement is unique. Beyond deciding when to start receiving retirement benefits, other factors that may affect your benefits include whether you continue to work, what type of job you had, and whether you have a pension from certain jobs.[NEWLINE][BOUNDARY][NEWLINE]user: Can pensions and taxes affect my retirement benefit?[NEWLINE]agent: Pensions and taxes have the potential to affect your retirement benefit.[NEWLINE][BOUNDARY][NEWLINE]user: At what age should you start receiving benefits?[NEWLINE]agent: The age at which you start collecting your retirement benefit affects the amount you will receive. There are three important things you need to know about age when thinking about when to start your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What else can affect retirement?[NEWLINE]agent: Other factors that may affect your benefits include whether you continue to work, what type of job you had, and whether you have a pension from certain jobs.[NEWLINE][BOUNDARY][NEWLINE]user: What are specific types of earnings?[NEWLINE]agent: Are you an American worker?
user: hi i would like to know if it is possible to decide when to start retirement benefits[NEWLINE]agent: Of course Choosing when to start receiving retirement benefits is a personal decision.[NEWLINE]agent: do you want to retire?[NEWLINE]user: yes[NEWLINE]agent: You will receive the full amount of your benefits. We will reduce your benefit amount if you retire before you reach full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: What if the person was born in 1960 or later?[NEWLINE]agent: For anyone born in 1960 or later, full retirement benefits are paid at age 67.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know how much benefit I will receive?[NEWLINE]agent: The Retirement Calculator within my Social Security allows you to obtain personalized retirement benefit estimates based on your actual earnings.[NEWLINE][BOUNDARY][NEWLINE]user: What are specific types of earnings?[NEWLINE]agent: are you in the american worker group?[NEWLINE]user: yes
user: There are some things about my social security benefits I would like to know.[NEWLINE]agent: Of course. Do you already receive Social Security or SSI benefits and do you have a bank account?[NEWLINE]user: Yes, to both.[NEWLINE]agent: In that case you can sign up for Direct Deposit.[NEWLINE]user: What if I want to open a bank account for direct deposit and I have decided on an account that is right for me?[NEWLINE]agent: Then you should let the representative at the financial institution know that you are interested in signing up to receive your benefits by Direct Deposit.[NEWLINE]user: What if I don't have a bank account at all?[NEWLINE]agent: Then you must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE]user: I see. And what is this direct express card I've read about?[NEWLINE]agent: The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account. We deposit your federal benefit payment directly into your card account.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't receive any benefits yet?
user: I'm a future benefits receiver and would like information about Direct Deposit.[NEWLINE]agent: So you don't get Social Security or SSI benefits yet?[NEWLINE]user: Not at the moment, no.[NEWLINE]agent: Do you already have an account with us?[NEWLINE]user: No I don't.[NEWLINE][BOUNDARY][NEWLINE]user: Do you need a bank account to receive benefits?[NEWLINE]agent: We offer a Direct Express card which is a debit card you can use to access your benefits and you don't need a bank account.[NEWLINE]user: What do I need to do for this?[NEWLINE]agent: You must open an account before you can sign up for Direct Deposit. Shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE][BOUNDARY][NEWLINE]user: And what information do I need to create an account?
user: I have a few questions about my social security benefits. It'd be great if you had the time to answer them.[NEWLINE]agent: Of course. Do you already receive Social Security or SSI benefits and you have a bank account?[NEWLINE]user: Yes, to both.[NEWLINE]agent: Then you can sign up for Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: My brother is not receiving benefits yet, but he is planning to apply and has a bank account. Can he apply for direct deposit, too?[NEWLINE]agent: Yes. Please tell him to take his checkbook or a copy of his bank statement with him.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. And how can I sign up for direct deposit?[NEWLINE]agent: You can sign up by contacting your bank, credit union or savings and loan association, for example.[NEWLINE][BOUNDARY][NEWLINE]user: Great. What if I already have a bank account? What do I need to consider during my application?[NEWLINE]agent: Just have your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: And what would someone without an account do?
user: I'm planning to apply for social security and direct deposit and I need some information about the process.[NEWLINE]agent: Of course. Are you currently not receiving any Social Security or SSI benefits yet but are you planning to apply?[NEWLINE]user: Yes, that'd be the case.[NEWLINE]agent: Then you should tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit.[NEWLINE]user: What if I already own a bank account?[NEWLINE]agent: Then you should bring your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. And what can you tell me about this direct express card I've read about?[NEWLINE]agent: The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account. With the Direct Express card program, we deposit your federal benefit payment directly into your card account.[NEWLINE]user: Sounds great. How can I sign up for such a card?[NEWLINE]agent: It's quick and easy to sign up for the card. Call the toll-free Direct Express hotline at 1-800-333-1795. Social Security can help you sign up.[NEWLINE]user: Alright. Back to direct deposit, what should I do next if I have an account?
user: Hello, I'm currently not receiving any benefits, but I'm planning to apply and also have some questions about benefits and direct deposit.[NEWLINE]agent: Are you not receiving Social Security or SSI benefits yet but are planning to apply?[NEWLINE]user: No, to both.[NEWLINE]agent: Do you already have an account?[NEWLINE]user: Yes, I already have a bank account.[NEWLINE]agent: Then you should bring your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have an account yet?[NEWLINE]agent: Then you must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE]user: Makes perfect sense. By the way, what is this direct express card, which is mentioned on your website?[NEWLINE]agent: The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account. With the Direct Express card program, we deposit your federal benefit payment directly into your card account.[NEWLINE]user: Sounds great. How can I sign up for it?
user: Hello! How can I receive Social Security Direct Deposit benefits?[NEWLINE]agent: Do you have a bank account?[NEWLINE]user: No, I don't.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I am not receiving benefits?[NEWLINE]agent: are you planning to apply?[NEWLINE]user: Yes, I want to apply.[NEWLINE]agent: So, You tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: How can I sign up for Direct Deposit?[NEWLINE]agent: You can sign up starting or changing Direct Deposit online Social Security benefits only.[NEWLINE][BOUNDARY][NEWLINE]user: Should I have a bank account?
user: Hello, I wonder what happens if I am already receiving help?[NEWLINE]agent: If you already receive the help, you can register in the Direct Deposit.[NEWLINE]user: I already receive SSI, what is the process?[NEWLINE]agent: You can primarily sign up for Direct Deposit using.[NEWLINE][BOUNDARY][NEWLINE]user: What if the benefit is not received?[NEWLINE]agent: If you do not receive SSI but are planning to apply, follow the respective steps.[NEWLINE]user: Can you expand this information more?[NEWLINE]agent: It is important to have an account.[NEWLINE]user: Sure, what else is there to know.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is the Direct Express card?
user: I need some information about getting my Social Security direct deposited in my account.[NEWLINE]agent: Do you receive SSI benefits and have a bank account?[NEWLINE]user: Yes to both.[NEWLINE]agent: You can sign up for Direct Deposit by doing one of the following:- starting or changing Direct Deposit online Social Security benefits only- contacting your bank, credit union or savings and loan association- calling Social Security toll-free at 1-800-772-1213[NEWLINE]user: What if I have a credit union instead?[NEWLINE]agent: Yes it is possible to sign up through them.[NEWLINE]user: I've chosen an account type, what do I do next?[NEWLINE]agent: Let a representative at your financial institution know that you are interested in signing up to receive your benefits by Direct Deposit.[NEWLINE]user: Yeah, what if I need a bank account?[NEWLINE]agent: You must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE]user: Is there a number I can call for the card?
user: Hi, what if I am not currently receiving aid?[NEWLINE]agent: If you do not get the benefits, you can apply for such a plan.[NEWLINE]user: What are the steps to apply?[NEWLINE]agent: It is important that you inform the Social Security representative.[NEWLINE][BOUNDARY][NEWLINE]user: What level of difficulty does it present when registering on the card?[NEWLINE]agent: It is fast and easy, you can also call 1 - 800 - 333 - 1795 to facilitate the process.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to have an account?[NEWLINE]agent: It is important that you carry your checkbook or a copy of your bank statement.[NEWLINE][BOUNDARY][NEWLINE]user: I wonder if I have to have an account before I can register?[NEWLINE]agent: Of course, in addition to being able to register for Direct Deposit.[NEWLINE]user: What benefits does the Direct Express card have?
user: for Direct Deposit of Social Security how can I do if I am already receiving benefits?[NEWLINE]agent: Are you sure you already receive Social Security or SSI benefits and have a bank account?[NEWLINE]user: yes i have everything[NEWLINE]agent: You can enroll in Direct Deposit using three types of process[NEWLINE]user: When I decide which account is right for me, what should I do?[NEWLINE]agent: You must inform the representative of the financial institution that you are interested in registering to receive your benefits through Direct Deposit.[NEWLINE]user: What is the first deposit registration process?[NEWLINE]agent: you must start or change Social Security benefits online direct deposit only[NEWLINE]user: and in case of not having an account?[NEWLINE]agent: In that case you must open an account before you can register for Direct Deposit. You should compare prices in your area to find an account that has the features you want at a price you can afford.[NEWLINE][BOUNDARY][NEWLINE]user: If I don't have Social Security benefits yet but I'm planning to apply, what should I do?
user: I'm not currently receiving benefits, but am looking for information about the direct deposit process. Can you answer me a few questions, please?[NEWLINE]agent: Of course. So you don't get Social Security or SSI benefits yet but are planning to apply?[NEWLINE]user: No, I'm just looking for information.[NEWLINE]agent: Alright. Do you already have an account?[NEWLINE]user: No, I don't have one and I don't need it.[NEWLINE][BOUNDARY][NEWLINE]user: Is an account needed to sign up for direct deposit?[NEWLINE]agent: Correct, you must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE]user: What if i have gotten such an account?[NEWLINE]agent: Then you should let the representative at the financial institution know that you are interested in signing up to receive your benefits by Direct Deposit.[NEWLINE]user: That seems simple. What can you tell me about the Direct Express card?
user: Hello, I would like to know what I do if I am already receiving social security benefits[NEWLINE]agent: already receive Social Security or SSI benefits and have a bank account?[NEWLINE]user: yes[NEWLINE]agent: Have you already changed your Social Security online direct deposit benefits?[NEWLINE]user: no[NEWLINE]agent: Have you contacted your bank, credit union, or savings and loan association?[NEWLINE]user: yes[NEWLINE]user: and the Direct Express debit card works for me if I don't have an account?[NEWLINE]agent: The Direct Express card is a debit card that you can use to access your benefits. And you don't need a bank account[NEWLINE]user: If I don't have an account?[NEWLINE]agent: You must open an account before you can sign up for Direct Deposit. You should compare prices in your area to find an account that has the features you want at a price you can afford.[NEWLINE][BOUNDARY][NEWLINE]user: If you still do not receive Social Security or SSI benefits, what should I do?
user: How can I enroll in direct deposit if I am already receiving benefits[NEWLINE]agent: already receive Social Security or SSI benefits and have a bank account?[NEWLINE]user: yes[NEWLINE]agent: Are you changing Social Security benefits online from direct deposit only?[NEWLINE]user: yes[NEWLINE]user: And how is it done in the event that someone does not have an account?[NEWLINE]agent: You must open an account before you can sign up for Direct Deposit. You should compare prices in your area to find an account that has the features you want at a price you can afford.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still don't receive benefits?[NEWLINE]agent: You still don't get Social Security or SSI benefits but are you planning to apply?[NEWLINE]user: no[NEWLINE]agent: Do you already have an account?[NEWLINE]user: yes
user: Yes i am already getting benefits[NEWLINE]agent: you already receive Social Security or SSI benefits and you have a bank account?[NEWLINE]user: not[NEWLINE]user: When do you decide which account is right for me?[NEWLINE]agent: let the representative at the financial institution know that you are interested in signing up to receive your benefits by Direct Deposit[NEWLINE]user: you can sign up for Direct Deposit?[NEWLINE]agent: yes, starting or changing Direct Deposit online Social Security benefits only[NEWLINE][BOUNDARY][NEWLINE]user: I am currently not receiving benefits[NEWLINE]agent:  you don t get Social Security or SSI benefits yet but are planning to apply?[NEWLINE]user: yes