user: What are some FAQs I could look at for retirement benefits?[NEWLINE]agent: Do you know you could look at What is the maximum Social Security retirement benefit payable?[NEWLINE]user: No, I did not know I could look that up.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I did Farm Work is it calculated different?[NEWLINE]agent: Yes, if you did Farm Work then your SSA  retirement benefits would be calculated differently.[NEWLINE][BOUNDARY][NEWLINE]user: Do pensions and taxes have any impact on my retirement benefit?[NEWLINE]agent: Yes, pensions and taxes could make an impact on your benefits and you should review the resources on pensions we have provided.[NEWLINE][BOUNDARY][NEWLINE]user: Are there specific types of other earnings that are calculated in a different way?[NEWLINE]agent: Do you know that most of Americans have their Social Security earnings calculated the same way, but others are calculated differently?[NEWLINE]user: No, I did not know this about Social Security earnings.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Do pensions and taxes have any impact on my retirement benefit?[NEWLINE]agent: Yes, pensions and taxes could make an impact on your benefits and you should review the resources on pensions we have provided.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to learn more about Social Security benefits.Here are more tips for using the online application : If you get stuck on a question, you can skip to the next question and come back later. You can save your application to finish another time if needed. Next time you sign in, go to Return to a Saved Application. What is the best way for me to begin my application right now?


user: How do I find out if I'm eligible for Retirement Benefits?[NEWLINE]agent: We have information here where you can learn how Social Security works.[NEWLINE]user: Can you tell me if I'm eligible?[NEWLINE]agent: Yes we have information on who's eligible for retirement benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Very well. For my record update, what if I've already received Social Security benefits?[NEWLINE]agent: Then you can update much of your information online with your personal my Social Security account.[NEWLINE]user: And if I need to make a change that can't be done via my social security? What should I do then?[NEWLINE]agent: Then you can contact us for additional support.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Well, what is the best way to stay up to date with you?[NEWLINE]agent: Subscribe to our Social Security Matters blog to hear from us on tips, tools, and updates on Social Security issues important to you.[NEWLINE][BOUNDARY][NEWLINE]user: Do you offer any other services I could use?


user: I came here to find out why could affect my retirement benefits. Can you tell me more about this?[NEWLINE]agent: Of course. Everyone's retirement is unique.[NEWLINE]user: So what can affect my benefits?[NEWLINE]agent: Beyond deciding when to begin receiving retirement benefits, other factors that can affect your benefits include whether you continue to work, what type of job you had, and if you have a pension from certain jobs.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, that's it. Now, let's talk about Suspicious Activity Reporting. Okay, I'll take a look at that tab. So, what do I do if I see something suspicious?[NEWLINE]agent: Do you want to know what to do if you receive a suspicious call from someone claiming to be from Social Security?[NEWLINE]user: Yes, please.[NEWLINE]agent: In that case, hang up and then report details of the call to the Office of the Inspector General. You can do this by submitting a report online.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. So, what kind of online services do you offer?[NEWLINE]agent: We offer the advanced designation of a representative payee, for example.[NEWLINE][BOUNDARY][NEWLINE]user: How can I protect myself from identity theft?


user: I have a lot of questions regarding my retirement benefits and it'd great if you could answer them.[NEWLINE]agent: Do you want to know what the maximum Social Security retirement benefit payable is?[NEWLINE]user: No, thank you.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I'd rather know more about pensions. What can you tell me about pensions?[NEWLINE]agent: Pensions and taxes have the potential to impact your retirement benefit. Review our resources on pensions and other factors you should consider, you can find them on our website.[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 other factors are there?[NEWLINE]agent: The Windfall Elimination Provision (WEP), for example.[NEWLINE][BOUNDARY][NEWLINE]user: Is it okay if I ask another question? What if your life conditions change, resulting in a change in the benefits?[NEWLINE]agent: It is important that all benefits and information are kept current.[NEWLINE][BOUNDARY][NEWLINE]user: I see. May I ask another question? for my work capacity and benefits. Is it possible to continue working after my retirement age?[NEWLINE]agent: Yes. 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: Are you currently working beyond your retirement age?[NEWLINE]user: Well, yes. I have to admit that I do.


user: I'm not sure when to start my retirement benefits and could use some guidance on that.[NEWLINE]agent: No problem. Choosing when to start receiving retirement benefits is a personal decision.[NEWLINE]agent: Do you prefer to retire and to begin receiving benefits when you reach your full retirement age?[NEWLINE]user: No, I'd like to work a little longer than that.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find my earnings history?[NEWLINE]agent: You can find your earnings history on your annual Social Security Statement. Create a free my Social Security account to check your earnings history online.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, fine. Now, regarding retirement benefits, can I check the status of my application online?[NEWLINE]agent: You can check the status of your application online using your personal my Social Security account.[NEWLINE]agent: can't verify your status online?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and give me information about the other family members that I included in the application?[NEWLINE]agent: Of course we will inform you if they can receive benefits from your request.[NEWLINE][BOUNDARY][NEWLINE]user: And how do you do if someone wants to withdraw your application?


user: Hello, can you tell me about retirement benefits?[NEWLINE]agent: Getting started on retirement payments is a personal decision.[NEWLINE]agent: It is noteworthy that for you to start receiving benefits when you reach your full retirement age.[NEWLINE]user: Can you expand that information more please?[NEWLINE]agent: Importantly, we will reduce your benefit amount if you retire and begin receiving benefits before you reach full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: What requirements must I meet and what information must I gather to submit the application?[NEWLINE]agent: ask your local Social Security office they should inform you.[NEWLINE][BOUNDARY][NEWLINE]user: About having information on retirement benefits, could you tell me what the early retirement age is?[NEWLINE]agent: Keep in mind that your benefit is reduced if you start receiving benefits before you reach your full retirement age.[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: The amount to receive depends on the amount of earnings shown in your record?[NEWLINE]agent: Of course, also regularly check your Social Security earnings history.[NEWLINE][BOUNDARY][NEWLINE]user: Should I apply online for retirement benefits?[NEWLINE]agent: Of course, what information do you require more.[NEWLINE][BOUNDARY][NEWLINE]user: I wonder when can I get Social Security retirement benefits?


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: Is there a list of requirements on how to register my retirement benefits on the Social Security plan website?[NEWLINE]agent: Then you can update much of your information online with your personal my Social Security account.[NEWLINE]user: And if I need to make a change that can't be done via my social security? What should I do then?[NEWLINE]agent: Then you can contact us for additional support.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Well, what is the best way to stay up to date with you?[NEWLINE]agent: Subscribe to our Social Security Matters blog to hear from us on tips, tools, and updates on Social Security issues important to you.[NEWLINE][BOUNDARY][NEWLINE]user: Do you offer any other services I could use?


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: I have another question for you about mySocial Security Sign Up. What is the aim of having a Social Security account?[NEWLINE]agent: A free my Social Security account makes it easy to manage your information.[NEWLINE][BOUNDARY][NEWLINE]user: What resources do they have to save time?[NEWLINE]agent: There are many time saving options available to you. These are our most popular online services[NEWLINE]agent: Do you need help managing your benefits?[NEWLINE]user: no thanks[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What information about retirement is important for you to know?


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]agent: Unfortunately, no relevant information is found.[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: Very good. It would be great if you could tell me what are the best ways to get credit. Can you give me some information on how to finish the application process and sign the application online?[NEWLINE]agent: Before you sign the online application, you will have a chance to review your answers and make any necessary changes.  Once you have filled everything out, we will ask you to confirm that your answers are true to the best of your knowledge and then you can sign the application and submit.[NEWLINE][BOUNDARY][NEWLINE]user: Of course I understand, now a question, I still lack time to retire, is the amount of my benefit reduced if I start receiving it before my retirement?[NEWLINE]agent: Of course, it is also important to know that the benefits are perceived from the age of 62.[NEWLINE][BOUNDARY][NEWLINE]user: Another thing for my Social Security record, does Social Security do anything to prevent fraud?[NEWLINE]agent: Yes, we are diligently working at national, regional, and local levels to fight fraud.[NEWLINE][BOUNDARY][NEWLINE]user: How can I get Increase in Social Security Benefits? What if we met the required age and continuously 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]agent: Unfortunately, no relevant information is found.[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: I see what you mean. I'd like to ask you another question about services. That'll suffice. So, what online services do you provide?[NEWLINE]agent: We offer the advanced designation of a representative payee, for example.[NEWLINE][BOUNDARY][NEWLINE]user: How can I protect myself from identity theft?


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: Do pensions and taxes have any impact on my retirement benefit?[NEWLINE]agent: Yes, pensions and taxes could make an impact on your benefits and you should review the resources on pensions we have provided.[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: Can you tell me on where can I check the status of my application for my retirement benefits?[NEWLINE]agent: You will receive a letter in the mail with our decision.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to find out more about retirement benefits. Is there anything else I should think about in my plan besides social security?[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]agent: Unfortunately, no relevant information is found.[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: Can you tell me on what I need to be aware of in my retirement benefits?[NEWLINE]agent: Help ensure you get the retirement benefits you should by reviewing the basics like how we determine your benefit amount and who else in your family might be eligible. Visit our Learn About Retirement Benefits page to make sure you know the basics of retirement benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any services to manage that all?


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: Well thank you. I'll keep that in mind. Who can help  me If I need assistance how to manage my benefits?[NEWLINE]agent: Just visit our contact us page for other ways to get support.[NEWLINE][BOUNDARY][NEWLINE]user: By the way, I would like to ask 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][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: 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: I'd like to ask regarding Information Secure. Thanks. I'll take a look at your website,. What can I do to keep my data secure?[NEWLINE]agent: Identity theft affects millions of people each year and can cause serious financial and identity-related problems. Protect yourself by securing your personal information, taking the time to understand the threat of identity theft, and exercising caution.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything I need to do to improve my financial plan?[NEWLINE]agent: Set up your financial plan with Social Security[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about Social Security financial plan, how do I request the benefit?


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: One more thing for my retirement benefits application, can I apply for it some other way?[NEWLINE]agent: Yes, you can also apply by calling 1 - 800 - 772 - 1213, by text telephone at TTY 1 - 800 - 325 - 0778 from 7 AM to 7 PM Monday through Friday.[NEWLINE][BOUNDARY][NEWLINE]user: After I apply can someone receive benefits on my work record?[NEWLINE]agent: We'll inform you if that is possible once your application has been processed.[NEWLINE]user: Will I be able to receive benefits on my spouse's record?[NEWLINE]agent: You will also be informed of that once your application has been processed.[NEWLINE]user: Is there a delay after I send in my application?[NEWLINE]agent: Once we receive your application it will be reviewed. After the review we will contact you if we need more information or if we need to see your documents.[NEWLINE]user: And then is it good to go?


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: Applying for Retirement Benefits comes to mind. What is the procedure for withdrawing my application?[NEWLINE]agent: life changes occur after you submit your application. You have up to 12 months to withdraw your application, if you change your mind. You will be required to repay any benefits you ve already received[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know on what age will I receive my full retirement benefits if I was born in the year of 1960?[NEWLINE]agent: For anyone born in 1960 or later, full retirement benefits are paid at age 67.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, regarding about Resources And Services To Stay In Control. What does the income test mean?[NEWLINE]agent: It is important that you get a proof of income letter.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know the date of retirement. 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: Good to know. Do you know the corrected Card for an adult? Can you use photocopies of the required documents?[NEWLINE]agent: No, only originals or certified copies are accepted.[NEWLINE][BOUNDARY][NEWLINE]user: What are the original documents needed?[NEWLINE]agent: null[NEWLINE]agent: If you haven't established your U.S. citizenship with us, you need to do it.[NEWLINE]user: I haven't.[NEWLINE]agent: You need to provide us with proof of U.S. citizenship.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to give any other information if I'm currently working?[NEWLINE]agent: Since you've changed your name, you should also inform this to your employer.[NEWLINE][BOUNDARY][NEWLINE]user: What documents can I use as proof of identity?


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]agent: Unfortunately, no relevant information is found.[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: I see. Let me ask another question. for the cooperative. Do you want to know the documents required for proof of identity?[NEWLINE]agent: We can only accept certain documents as proof of identity.[NEWLINE]user: Could you consider other documents apart from the birth certificate?


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]user: Another point to consider about Social Security. What kind of identification do I need to display at Social Security?[NEWLINE]agent: We must see your driver's license or state issued no-driver card.[NEWLINE]user: What happens if I do not have one of these documents or cannot get replacement within ten days?[NEWLINE]agent: We will ask for other documents that are current and they need to show your name, date of birth or age and preferably a recent photograph.[NEWLINE][BOUNDARY][NEWLINE]user: Do I really need to replace my child's card?


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]agent: Unfortunately, no relevant information is found.[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]agent: Unfortunately, no relevant information is found.[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][BOUNDARY][NEWLINE]user: Could you please tell me on what documents should I provide as a proof of identity in registering my benefits through a Direct Deposit?[NEWLINE]agent: You can use your US driver's license or your state-issued non-driver identification card.[NEWLINE]user: What if I changed my name more than two years ago and my current documents are not enough to identify me on your records?[NEWLINE]agent: Then you would need to show us an identity document with your previous name as shown on our records.[NEWLINE]user: Can I use my marriage document as proof of legal name change if I need to?


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]agent: Unfortunately, no relevant information is found.[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]agent: Unfortunately, no relevant information is found.[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


user: I am currently not receiving Social Security benefits[NEWLINE]agent: you don t get Social Security or SSI benefits yet but are planning to apply?[NEWLINE]user: not[NEWLINE]agent: you already have an account?[NEWLINE]user: not[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Yes I am already receiving benefits?[NEWLINE]agent: The Direct Express card is a debit card you can use to access your benefits.  And you do n't need a bank account.[NEWLINE]user: What benefits do I have with the Direct Express card program[NEWLINE]agent: we deposit your federal benefit payment directly into your card account[NEWLINE]user: If i do n't have an account


user: yes I am already receiving SS benefit[NEWLINE]agent: you already receive Social Security or SSI benefits and you have a bank account?[NEWLINE]user: not[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If i don t get Social Security or SSI benefits yet but are planning to apply[NEWLINE]agent: tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit[NEWLINE][BOUNDARY][NEWLINE]user: can I use the card to make purchases, pay bills or get cash at thousands of locations?[NEWLINE]agent: yes, It s quick and easy to sign up for the card. Call the toll - free Direct Express hotline at 1 - 800 - 333 - 1795. Also, Social Security can help you sign up.[NEWLINE]user: If I do n't have an account[NEWLINE]agent: you must open an account before you can sign up for Direct Deposit[NEWLINE]user: what are the benefits of the card


user: Hey there, I need some assistance with my tax return.[NEWLINE]agent: Of course. Do you want to determine your 2020 income-related monthly adjustment amounts?[NEWLINE]user: No, thank you.[NEWLINE]agent: Are we using the 2017 tax year data for you?[NEWLINE]user: Yes, that's correct.[NEWLINE]agent: In that case, call us or visit any local Social Security office, if you filed a return for tax year 2018 or did not need to file a tax return for tax year 2018. We'll update our records.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible for me to apply for Medicare at the age of 65?[NEWLINE]agent: You can, and if you are, your initial enrollment period begins three months before you turn 65, including the month you turn 65 and ends three months after that birthday.[NEWLINE]user: What can I do after applying for Medicare?[NEWLINE]agent: You can sign up for A Hospital Insurance and Part B Medical Insurance. You can turn down Part B coverage if you don't want to pay a premium.[NEWLINE][BOUNDARY][NEWLINE]user: What documents do I need to apply?[NEWLINE]agent: You can find out online by checking the Checklist For The Online Medicare, Retirement, and Spouses Application.[NEWLINE][BOUNDARY][NEWLINE]user: How can I be sure that my identity is safe?


user: I'm a bit confused and could use some guidance when it comes to my tax return. Can you help me?[NEWLINE]agent: Gladly. Do you wish to determine your 2020 income-related monthly adjustment amounts?[NEWLINE]user: No, I wanted to know something else.[NEWLINE]agent: Are we using your 2017 tax year data?[NEWLINE]user: Yes, you are.[NEWLINE]agent: If you filed a return for tax year 2018 or did not need to file a tax return for tax year 2018, call us or visit any local Social Security office. We'll update our records.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Do my medicare premiums need to be adjusted?[NEWLINE]agent: Yes. The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don t pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: I want to enrol for the Special Enrollment Period (SEP) for Medicare Benefits, is there a timeframe within which I need to enroll?[NEWLINE]agent: Do you have medical insurance already?[NEWLINE]user: Yes, through my work.[NEWLINE]agent: If that's the case, you may qualify for a special enrollment period.[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply for Medicare when I turn 65?


user: You can help me with some questions I have about my tax return.[NEWLINE]agent: Of course. Do you want to know how we determine your 2020 income-related monthly adjustment amounts?[NEWLINE]user: No, thank you.[NEWLINE]agent: Do we use the 2017 tax year data for you?[NEWLINE]user: Yes, I think so.[NEWLINE]agent: If you filed a return for tax year 2018 or did not need to file a tax return for tax year 2018, call us or visit any local Social Security office.[NEWLINE][BOUNDARY][NEWLINE]user: In addition, I need to determine which original documents do I need. What if his citizenship has already been established with Social Security? Do I still need to submit documents?[NEWLINE]agent: In this case, you would not need documentation.[NEWLINE]agent: Is your reason for obtaining a new card for your son because of a legal name change?[NEWLINE]user: No, his name has not changed.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: I think his identity has already been verified with Social Security, but if it's not, are there any other documents I can use besides a passport or birth certificate?[NEWLINE]agent: If you do not have these identity documents, we can also accept a state issued ID card or an adoption decree.[NEWLINE]user: What if his ID card is in his prior last name? Will it still be accepted?


user: Hello there, I came here to find more information regarding my tax return.[NEWLINE]agent: Do you want to know how we determine your 2020 income-related monthly adjustment amounts?[NEWLINE]user: No, thank you.[NEWLINE]agent: Do we use your 2017 tax year data?[NEWLINE]user: No, you use the most recent tax year data.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm affected by loss of income due to the current crisis?[NEWLINE]agent: Then we need to see documentation verifying the event and the reduction in your income.[NEWLINE][BOUNDARY][NEWLINE]user: I see, but this makes me curious. What if my income had increased instead?[NEWLINE]agent: In that case you'd pay an additional premium amount for Medicare Part B and Medicare prescription drug coverage. We call the additional amount the income-related monthly adjustment amount.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. Well, what documentation should I bring along to verify my loss of income?


user: You could answer a few questions I have about my tax return. That'd be very kind.[NEWLINE]agent: Of course. Do you want to know how we determine your 2020 income-related monthly adjustment amounts?[NEWLINE]user: No, thank you.[NEWLINE]agent: Do we use the 2017 tax data for you?[NEWLINE]user: No, you have more recent tax data about me.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if you determine that I'm a higher-income beneficiary?[NEWLINE]agent: Then you'll pay a larger percentage of the total cost of Part B based on the income you normally report to the Internal Revenue Service IRS.[NEWLINE][BOUNDARY][NEWLINE]user: What if I disagree with the MAGI amount from the IRS?[NEWLINE]agent: Then you must correct the information with the IRS.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. Well, how high are the monthly part B premiums going to be?


user: Yes I would like to learn more about Medicare Premiums.[NEWLINE]agent: Are you wanting to apply for Medicare Part A or B?[NEWLINE]user: Yes Medicare Part A.[NEWLINE]agent: In that case please visit our webpage Medicare Resources.[NEWLINE][BOUNDARY][NEWLINE]user: How much must one earn to pay a regular premium?[NEWLINE]agent: If your income is below the limits described above, the law about paying higher premiums does not apply to you.[NEWLINE][BOUNDARY][NEWLINE]user: What does SHIP stand for and where can I find that info as pertaining to me?[NEWLINE]agent: SHIP stands for State Health Insurance Counseling and Assistance Program. You can find your local SHIP contact information in the back of your Medicare & You 2020 Handbook online or you can request it when you call.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any additional information on how to apply for Medicare online?[NEWLINE]agent: For more information about applying for Medicare only and delaying retirement benefits, visit Applying for Medicare Only Before You Decide. What documents and information will I need to submit with my application?[NEWLINE][BOUNDARY][NEWLINE]user: My cousin wants to apply as well, but she doesn't know how to use the Internet and due to several disabilities she can't get to the office in person. Is there any option that allows a person who is hard of hearing to apply by phone?


user: What are tax returns used for when determining retirement?[NEWLINE]agent: Do you want to know how to determine your 2020 income-related monthly adjustment amounts?[NEWLINE]user: No, that is not what I need at this time.[NEWLINE]agent: Did you know we use the 2017 tax year data if you filed in 2018?[NEWLINE]user: Yes, I knew this.[NEWLINE]agent: Then let us know if you filed a return for tax year 2018 or did not need to file a tax return for tax year 2018 and we can update your records.[NEWLINE][BOUNDARY][NEWLINE]user: What if my income has gone down?[NEWLINE]agent: Just contact us to explain that you have new information and may need a new decision about your income-related monthly adjustment amount.[NEWLINE][BOUNDARY][NEWLINE]user: Very well.  Is there a certain time when I need to enroll for medical insurance?[NEWLINE]agent: Do you have medical insurance already?[NEWLINE]user: Yes, through my work.[NEWLINE]agent: If that's the case, you may qualify for a special enrollment period.[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply for Medicare when I turn 65?


user: Hi, I need to know what is the monthly Medicare Premiums?[NEWLINE]agent: These premiums have an amount of $ 144.60.[NEWLINE]agent: It all depends on the tax return you made.[NEWLINE]user: Perfect, can you expand the information more?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if you show up paying a higher amount for drug coverage?[NEWLINE]agent: You should contact the Centers for Medicare and Medicaid Services to make the appropriate corrections.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect, can you give me more information on the subject?[NEWLINE]agent: What particular information do you need to know?[NEWLINE]user: Information related to income or to apply for Medicare Part A or B.[NEWLINE]agent: You can visit the Medicare Resources website to find information on the subject.[NEWLINE][BOUNDARY][NEWLINE]user: My cousin wants to apply as well, but due to several disabilities, she can't get to the office in person. Is there any option that allows a person who is hard of hearing to apply by phone?


user: Hello, do I need information about the steps to file a tax return?[NEWLINE]agent: To carry out such a process, it is essential to know the monthly adjustment amounts related to income.[NEWLINE]user: How can such amounts be taken out?[NEWLINE]agent: For this purpose we use the data for the fiscal year.[NEWLINE]user: Can you expand that information more please?[NEWLINE]agent: It is important that you call or visit any local Social Security office.[NEWLINE][BOUNDARY][NEWLINE]user: Medicare registration/enrollment options is also something I'd like to know. Are there any other possibilities?[NEWLINE]agent:  You can also apply :   By phone - Call us at 1 - 800 - 772 - 1213 from 7 a.m. to 7 p.m. Monday through Friday. If you are deaf or hard of hearing, [108] you can call us at TTY 1 - 800 - 325 - 0778[NEWLINE][BOUNDARY][NEWLINE]user: is there an enrollment period[NEWLINE]agent: Do you have  a group health insurance?[NEWLINE]user: yes


user: Steps to file taxes?[NEWLINE]agent: It is vital that you know the monthly adjustment amount related to 2020 income to make such a statement.[NEWLINE]user: How can I perform such calculations?[NEWLINE]agent: In certain cases we use data from fiscal year 2017 for this purpose.[NEWLINE]user: Can you expand that information more please?[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect.[NEWLINE]agent: It may happen that your income decreases, I am influencing the process.[NEWLINE][BOUNDARY][NEWLINE]user: I need more information regarding the topic.[NEWLINE]agent: It is important that you visit Extra Help with your Medicare prescription drug costs for more information.[NEWLINE]user: Can I get Extra Help?


user: Good day. I would like to know how to contest a decision made by you, perhaps  you can enlighten me.[NEWLINE]agent: Do you disagree with the decision we made about your income-related monthly adjustment amounts?[NEWLINE]user: No, but I want to know my rights.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: How can I find more information about what Medicare covers?[NEWLINE]agent: You can visit the Medicare website, or call 1 - 800-MEDICARE 1 - 800 - 633 - 4227 ; TTY 1 - 877 - 486 - 2048. Your State Health Insurance Counseling and Assistance Program SHIP also can help answer your Medicare questions.[NEWLINE][BOUNDARY][NEWLINE]user: What if you have determined that I must pay a higher amount for Medicare prescription drug coverage?[NEWLINE]agent: Well, if you don't have this coverage, you must call the Centers for Medicare & Medicaid Services CMS at 1 - 800-MEDICARE 1 - 800 - 633 - 4227 ; TTY 1 - 877 - 486 - 2048 to make a correction. Social Security receives the information about your prescription drug coverage from CMS.[NEWLINE]user: I see. And what if I disagree with the MAGI amount received from the IRS?[NEWLINE]agent: In that case, you must correct the information with the IRS.[NEWLINE][BOUNDARY][NEWLINE]user: Fair enough. And what should I do if I received a settlement from my employer because of bankruptcy?


user: I want to contest a decision you made and need to know what to consider.[NEWLINE]agent: Do you disagree with the decision we made about your income-related monthly adjustment amounts?[NEWLINE]user: No, it's about another issue.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Look, can you just give me a link or something to more information?[NEWLINE]agent: Of course. Do you want more information about the income-related monthly adjustment amounts or to apply for Medicare Part A or B?[NEWLINE]user: No, nothing of that![NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Let me be more direct: what adjustments need to be done to my premium?[NEWLINE]agent: The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don t pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: Very well. Now for the meantime can i opt out of receiving cash retiremnt?[NEWLINE]agent: yes of course.[NEWLINE][BOUNDARY][NEWLINE]user: What if i did not get my new medicare card?[NEWLINE]agent: You can update your mailing address by logging in to or creating your personal my Social Security account.[NEWLINE][BOUNDARY][NEWLINE]user: how do i apply for medicare?[NEWLINE]agent: you can apply online[NEWLINE][BOUNDARY][NEWLINE]user: why did they new ones?


user: Hello, I would like to know what to do If I do not agree with your decision[NEWLINE]agent: If you disagree with our decision about monthly adjustment amounts related to your income?[NEWLINE]user: no that's not the case[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: and how can i get new information?[NEWLINE]agent: Contact us to explain that you have new information and that you may need a new decision on your income related monthly adjustment amount.[NEWLINE][BOUNDARY][NEWLINE]user: where can I get more information?[NEWLINE]agent: visit the Medicare website, or call 1 - 800-MEDICARE 1 - 800 - 633 - 4227; TTY 1-877-486-2048.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do? If I do not agree with the amount of MAGI we receive from the IRS[NEWLINE]agent: In that case, you must correct the information with the IRS.[NEWLINE]user: What if I don't have coverage for my medications?


user: Regarding the Retirement Benefits Planner, what is the reason for? If my income has been reduced?[NEWLINE]agent: your income has gone down due to any of the following situations, and the change makes a difference in the income level we consider?[NEWLINE]user: yes[NEWLINE]agent:  You married, divorced, or became widowed?[NEWLINE]user: not[NEWLINE]agent: You or your spouse stopped working or reduced your work hours?[NEWLINE]user: yes[NEWLINE][BOUNDARY][NEWLINE]user: you ll pay monthly premiums plus an additional amount, which is based on what you report to the IRS. Because individual plan premiums vary[NEWLINE]agent: Because individual plan premiums vary, the law specifies that the amount is determined using a base premium[NEWLINE]user: how the monthly adjustment amount related to income works.[NEWLINE]agent: Part B helps pay for your doctors services and outpatient care.  It also covers other medical services, such as physical and occupational therapy, and some home health care.[NEWLINE][BOUNDARY][NEWLINE]user: If i disagree with the decision we made about your income - related monthly adjustment amounts?


user: Hello, I would like to obtain information about Medicare monthly premiums for 2020[NEWLINE]agent: Of course The standard Part B premium for 2020 is $ 144.60.[NEWLINE]agent: filed a joint tax return?[NEWLINE]user: no[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if my income is not greater than the limits described above?[NEWLINE]agent: If your income is not greater than the limits described above, this law does not apply to you.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about Medicare. Can I still apply for Medicare at the age of 65?[NEWLINE]agent: You can, and if you are, your initial enrollment period begins three months before you turn 65, including the month you turn 65 and ends three months after that birthday.[NEWLINE]user: What can I do after applying for Medicare?[NEWLINE]agent: You can sign up for A Hospital Insurance and Part B Medical Insurance. You can turn down Part B coverage if you don't want to pay a premium.[NEWLINE][BOUNDARY][NEWLINE]user: What documents do I need to apply?[NEWLINE]agent: You can find out online by checking the Checklist For The Online Medicare, Retirement, and Spouses Application.[NEWLINE][BOUNDARY][NEWLINE]user: How can I be sure that my identity is safe?


user: I came here looking for some information regarding my tax return. Perhaps you can answer some questions for me.[NEWLINE]agent: Of course. Do you want to know how we determine your 2020 income-related monthly adjustment amounts?[NEWLINE]user: No, thank you. I have some other, more urgent questions.[NEWLINE]agent: Do you want to know what happens if we use the 2017 tax year data?[NEWLINE]user: No, it's fine.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Instead, can you tell me what happens if I only have Medicare prescription drug coverage?[NEWLINE]agent: In that case, you'll pay an income-related monthly adjustment amount only on the benefit you have.[NEWLINE][BOUNDARY][NEWLINE]user: I see. And what if I filed a federal income tax return for the year?[NEWLINE]agent: Then you need to show us your signed copy of the return. Use Form Medicare Income-Related Monthly Adjustment Amount Life-Changing Event to report a major life-changing event.[NEWLINE][BOUNDARY][NEWLINE]user: Makes perfect sense. Is there anything else I should know about my Medicare premium?


user: Hi, I received Social Security payments and would like to have them paid directly into my bank account, is this possible?[NEWLINE]agent: You stated that you are receiving Social Security benefits, is that correct?[NEWLINE]user: No I am not receiving benefits yet.[NEWLINE][BOUNDARY][NEWLINE]agent: If you are not currently receiving benefits are you planning on applying for benefits?[NEWLINE]user: No I am not receiving benefits?[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to change my Direct Deposit information?[NEWLINE]agent: Yes you can change your information for Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: Good to know. Another thing about the Social Security benefits, what is the first deposit registration process?[NEWLINE]agent: you must start or change Social Security benefits online direct deposit only[NEWLINE][BOUNDARY][NEWLINE]user: Understood, regarding to be receiving benefits, who can help me to change my information for the deposit of the money?[NEWLINE]agent: If you wish to change your Direct Deposit information you can do this by contacting your bank, credit union, or savings and loan association.[NEWLINE][BOUNDARY][NEWLINE]user: What will I need to start Direct Deposit once I apply for benefits?


user: Hello there, I have some questions about direct deposit when it comes to social security benefits.[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: No, not yet.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you not receiving any benefits now then?[NEWLINE]user: No, I mean, I am about to apply for benefits.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: I've already found a bank that suits my needs and would use this account for my benefits.[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][BOUNDARY][NEWLINE]user: By the way, do you know about a financial institution to support my document.. and back to direct deposit, what should I do next if I have an account?[NEWLINE]agent: Then should let the representative at the financial institution know that you are interested in signing up to receive your benefits by Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: I have another question about direct deposit and your request. Does this mean that I can also sign up for direct deposit there?[NEWLINE]agent: Yes, you can sign up by contacting your bank, credit union or savings and loan association, for example.[NEWLINE]user: And what is this direct express card I've read about?


user: Excuse me, I need some help with the social security direct deposit.[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Do you already receive Social Security or SSI benefits and you have a bank account?[NEWLINE]user: No, I don't have an account yet.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: 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.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, thanks, if I am already receiving benefits, can I register with a credit union that I have?[NEWLINE]agent: Yes it is possible to sign up through them.[NEWLINE][BOUNDARY][NEWLINE]user: All right, and about receiving the benefits, what if I don't have a bank account to receive these?[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][BOUNDARY][NEWLINE]user: What if I didn't receive any benefits yet, but I was planning to apply?


user: Can you tell me how I can get a social security direct deposit?[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: No, at least not now.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you not currently receiving benefits then?[NEWLINE]user: No, I'm receiving benefits at the moment.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to sign up for direct deposit by calling social security?[NEWLINE]agent: Yes, you can call Social Security toll-free at 1-800-772-1213 TTY 1-800-325-0778 to sign up for direct deposit.[NEWLINE]user: I'd like to ask you another question about not currently receiving benefits. What if I already have a checking or savings account?[NEWLINE]agent: Then you should bring your checkbook or a copy of your bank statement with you.[NEWLINE]user: I am currently receiving benefits. Can I also sign up through my bank?[NEWLINE]agent: Yes, you'll have to contact your bank, credit union or savings and loan association.[NEWLINE]user: And what if I don't have a bank account?


user: Can you help me by explaining a few things about the social security direct deposit, please?[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: Yes, I am.[NEWLINE]agent: 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]user: What original documents am I required to provide? If I don't have a document on hand, what should I do?[NEWLINE]agent: You can submit a state issued non driver identification card or, if applies, an adoption decree.[NEWLINE][BOUNDARY][NEWLINE]user: And do i need to pay anything if the card is lost or stolen?[NEWLINE]agent: No, it's free of charge, but if you do know your SS number, then you don't need a replacement.[NEWLINE][BOUNDARY][NEWLINE]user: Do i have to present documentation too?[NEWLINE]agent: Yeah, in order to verify your identity. Just show us a U.S driver license or a state issued non driver identification card.[NEWLINE]user: And if i don't have any of those? what then?


user: You can answer some questions I have about the social security direct deposit, for starters.[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Do you already receive Social Security or SSI benefits and do you have a bank account?[NEWLINE]user: No, I lack a bank account.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I wasn't receiving social security, but was planning to apply?[NEWLINE]agent: In that case you should tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: Another question regarding the Direct Deposit program, if I have a Direct Express card, will my benefit be deposited there?[NEWLINE]agent: we deposit your federal benefit payment directly into your card account[NEWLINE][BOUNDARY][NEWLINE]user: Well thank you, can you tell me how to register for a direct express card? what are the steps?[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: Back to my original issue. I don't have a bank account. What should I do?


user: What can you tell me about the social security direct deposit?[NEWLINE]agent: A lot. Are you already receiving benefits?[NEWLINE]user: Yes, I am.[NEWLINE]agent: 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]user: I also have a question about original documents. Do I require them? What about IDs that have passed their expiration date?[NEWLINE]agent: The documents used as proof of identity must be current, not expired.[NEWLINE]user: In my case, I lived in the USA for a long time now but it's my first time asking for a social security number.[NEWLINE]agent: for your case, you'll need to prove that you have never been assigned a social security number. You can do this by providing records about the schools you attended, tax records or something similar.[NEWLINE]user: about the original documents, please give me some examples of the documents needed.[NEWLINE]agent: One of the most important original documents required is the U.S. passport.[NEWLINE]user: Ok, and what would be asked for those that lived in another country for a long time?


user: Is there anything you could tell me about Social Security Direct Deposit?[NEWLINE]agent: Do you need to know about how to sign up for direct deposit?[NEWLINE]user: No, not at this time.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you receiving benefits yet?[NEWLINE]user: No I am not receiving benefits yet?[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Should I have a copy of my checkbook with me when I apply?[NEWLINE]agent: Yes, have your checkbook or a copy of your bank statement with you when you apply for benefits.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing I'd like to ask for receiving benefits. What will be the process in case 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: About Direct Deposit benefit, Is it wise to let the representative at my financial institution know ahead of time?[NEWLINE]agent: Yes, that is a great choice to let the representative know ahead of time.[NEWLINE]user: Do I need to open an account before I sign up for direct deposit?


user: What is direct deposit of my Social Security?[NEWLINE]agent: Do you want to use direct deposit?[NEWLINE]user: I am not sure because I do not know what it is.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you currently receiving benefits?[NEWLINE]user: No, I am not receiving benefits.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What is the Direct Express debit card?[NEWLINE]agent: It is an option for receiving your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to open a bank account for direct deposit and have decided on a suitable 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][BOUNDARY][NEWLINE]user: By the way, do you know about SSI benefits online, and how do I sign up for direct deposit?[NEWLINE]agent: You can sign up for direct deposit by following these steps.[NEWLINE]user: Should the representative know about my direct deposit?


user: What is the Direct Deposit of Social Security?[NEWLINE]agent: It is important that you are already receiving benefits.[NEWLINE]user: What if I am already receiving benefits?[NEWLINE]agent: If you already receive SSI and have a bank account, you can qualify.[NEWLINE]user: Perfect, can you tell me more about it?[NEWLINE]agent: If you qualify you can sign up for Direct Deposit using.[NEWLINE]user: Another question is what are original documents do I need? and What proof of identification do I need to show?[NEWLINE]agent:  U.S. driver 's license or State - issued non - driver identification card  are acceptable[NEWLINE]user: What if my child lived outside the united states for an extended period?[NEWLINE]agent:  a current or previous passport  or school and/or employment record are accepted[NEWLINE]user: What if a document is not available?


user: Hello there. I have some questions about signing up for direct deposit, so I my social security gets sent to my bank account.[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: No, I don't receive benefits.[NEWLINE][BOUNDARY][NEWLINE]agent: So you are currently not receiving any benefits, correct?[NEWLINE]user: No, I actually do. Sorry, I got distracted.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: So how can I sign up for direct deposit?[NEWLINE]agent: You can sign up for direct deposit by contacting your bank, credit union or savings and loan association, for example.[NEWLINE]user: I have another question about receiving my Social Security benefits.  If I do not receive benefits yet, but am planning to submit my application, what should I do if my choice would be to have my benefits to go to my account by Direct Deposit?[NEWLINE]agent: tell the Social Security representative when you apply for the benefits you want to sign up for Direct Deposit[NEWLINE]user: OK thank you. I would also like to find out about Direct Deposit, should I contact my bank?[NEWLINE]agent: Correct. That is one way to sign up for Direct Deposits.[NEWLINE]user: You said it's one way. Can I also sign up by starting direct deposit online social security benefits only?


user: Hello, I am a bit confused about signing up for direct deposit. I hope you can answer a few questions I have.[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Do you already receive Social Security or SSI benefits and you have a bank account?[NEWLINE]user: Yes, that'd be me.[NEWLINE]agent: Do you plan to sign up for Direct Deposit by starting or changing Direct Deposit online Social Security benefits only?[NEWLINE]user: No. No, you see, I'd prefer to do it another way, if possible.[NEWLINE]agent: Do you plan to sign up by contacting your bank, credit union or savings and loan association?[NEWLINE]user: No, sorry.[NEWLINE]agent: Do you plan to sign up by calling Social Security toll-free at 1-800-772-1213 or TTY 1-800-325-0778 then?[NEWLINE]user: No, doing this over the phone won't work out for me.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: very good, also would like to know how to sign up for direct deposit? because I am not currently receiving benefits but I plan to apply soon.


user: I'm completely confused about direct deposit for my social security benefits. Maybe you can shed some light on this for me.[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: No, I am not.[NEWLINE][BOUNDARY][NEWLINE]agent: So you are NOT currently receiving benefits, correct?[NEWLINE]user: Yes, I'm not receiving any benefits.[NEWLINE]agent: Are you planning to apply then?[NEWLINE]user: No.[NEWLINE]agent: Do you already have an account?[NEWLINE]user: No, I haven't signed up for one yet.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Say, How do I sign up for a Direct Express 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][BOUNDARY][NEWLINE]user: Can I ask something else? regarding receiving benefits. What if I have received such an account?


user: I need some explanations regarding the social security direct deposit.[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Do you also have a bank account?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Have you started or changed Direct Deposit online Social Security benefits only?[NEWLINE]user: Yes. That'd be the case.[NEWLINE]user: Is having started or changed Direct Deposit online Social Security benefits enough to sign up for direct deposit?[NEWLINE]agent: That is correct.[NEWLINE]user: I'd like to ask  SSI benefits. Is it necessary for me to have a bank account?[NEWLINE]agent: Yes, when you apply for benefits, you must have your checkbook or a copy of your bank statement with you.[NEWLINE]user: I am glad to know, do you know another option where to receive the benefits?[NEWLINE]agent: Yes, you could consider the Direct Express debit card as another viable option.[NEWLINE]user: What about contacting my bank? Would that work?


user: I need some help with setting up my social security direct deposit.[NEWLINE]agent: Of course. Are you already receiving benefits?[NEWLINE]user: No, not yet.[NEWLINE][BOUNDARY][NEWLINE]agent: So you are currently NOT receiving benefits, correct?[NEWLINE]user: No, actually I am receiving benefits. Sorry, my bad.[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any other viable options to set up my direct deposit, other than contacting my bank?[NEWLINE]agent: Yes, you can consider the Direct Express debit card as another viable option.[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to learn if I'm eligible for benefits. What should I do once I've decided which account is best for me?[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][BOUNDARY][NEWLINE]user: Also, I am not currently receiving benefits, however, what should I keep in mind if I already have a bank account?[NEWLINE]agent: You'll need to remember to have your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. Back to the card you mentioned: how do I sign up for it?


user: what can you tell me about Social Security Direct Deposit[NEWLINE]agent: Are you receiving benefits?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: Not currently receiving benefits?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the card to make purchases, pay bills, or get cash at thousands of locations?[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[NEWLINE][BOUNDARY][NEWLINE]user: Are you aware of the fact that you have already been earning benefits? Will you enroll in Direct Deposit?[NEWLINE]agent: yes, starting or changing Direct Deposit online Social Security benefits only[NEWLINE][BOUNDARY][NEWLINE]user: I'd also like to know how to set up Direct Deposit. If I already receive Social Security or Supplemental Security Income benefits and having a bank account?I'd also like to know how to set up Direct Deposit. If I already receive Social Security or Supplemental Security Income benefits and having a bank account,[NEWLINE]agent: you can sign up for Direct Deposit by :starting or changing Direct Deposit online Social Security benefits only[NEWLINE]user:  can i use the card to make purchases, pay bills or get cash at thousands of locations?[NEWLINE]agent:  It s quick and easy to sign up for the card[NEWLINE]user: If i do n't have an account


user: I need to find out about Medicare Premiums for Higher-Income people.[NEWLINE]agent: In that situation, the law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums.[NEWLINE][BOUNDARY][NEWLINE]user: How high does my income have to be?[NEWLINE]agent: If you file your taxes as married, filing jointly and your MAGI (total adjusted gross income and tax-exempt interest income) is greater than $170,000, you'll pay higher premiums for your Part B and Medicare prescription drug coverage.[NEWLINE][BOUNDARY][NEWLINE]user: What income ranges exist?[NEWLINE]agent: Are you a high income earner?[NEWLINE]user: Yes.[NEWLINE]agent: In that case, you'll pay an additional premium amount for Medicare Part B and Medicare prescription drug coverage. We call the additional amount the income-related monthly adjustment amount.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if there is specific period on when I should enroll in income-related monthly adjustment?[NEWLINE]agent: Do you have medical insurance already?[NEWLINE]user: Yes, through my work.[NEWLINE]agent: If that's the case, you may qualify for a special enrollment period.[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply for Medicare when I turn 65?


user: I came here looking for information on medicare premiums. Perhaps you can help me out.[NEWLINE]agent: Of course. The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don't pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: Well, that's interesting. What can you tell me about monthly medicare premiums in 2020?[NEWLINE]agent: The standard Part B premium for 2020 is $ 144.60.[NEWLINE]agent: Are you single and filed an individual tax return, or married and filed a joint tax return?[NEWLINE]user: No, to both. I didn't file a tax return yet.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: What if I earn a lot less money now and fulfill the requirements for a new decision?[NEWLINE]agent: In that case we need to see documentation verifying the event and the reduction in your income. The documentation you provide should relate to the event and may include a death certificate, a letter from your employer about your retirement, or something similar.[NEWLINE][BOUNDARY][NEWLINE]user: I'm looking for specific information on how to apply for an original Social Security card as a US adult citizen who was born outside the United States.[NEWLINE]agent: There is important information in this regard that must be followed closely[NEWLINE]user: What documentation is needed?


user: I have a few questions about medicare premiums. It'd be great if you could answer them.[NEWLINE]agent: Of course. The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don't pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: What if the deducted amount is greater than my monthly social security payment?[NEWLINE]agent: In that case you'll get a separate bill from another federal agency, such as the Centers for Medicare & Medicaid Services or the Railroad Retirement Board.[NEWLINE][BOUNDARY][NEWLINE]user: I also have a concern about whether you decide not to enroll in Medicare Part B at first but then decide to do so. When can I submit my application?[NEWLINE]agent: You should sign up for Medicare three months before reaching age 65, even if you are not ready to start receiving retirement benefits.[NEWLINE]user: can i opt out of receiving cash retiremnt?[NEWLINE]agent: yes of course.[NEWLINE][BOUNDARY][NEWLINE]user: What if i did not get my new medicare card?[NEWLINE]agent: You can update your mailing address by logging in to or creating your personal my Social Security account.[NEWLINE][BOUNDARY][NEWLINE]user: how do i apply for medicare?[NEWLINE]agent: you can apply online[NEWLINE][BOUNDARY][NEWLINE]user: why did they new ones?


user: I'd like to learn more about medicare premiums, please.[NEWLINE]agent: Of course. The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don't pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: What if my income isn't greater than the limits stated on your website?[NEWLINE]agent: In that case this law does not apply to you.[NEWLINE][BOUNDARY][NEWLINE]user: And what if I don't get monthly payments at all?[NEWLINE]agent: Then you'll get a separate bill from another federal agency, such as the Centers for Medicare & Medicaid Services or the Railroad Retirement Board.[NEWLINE][BOUNDARY][NEWLINE]user: by the way, for a medicare application, can i be eligible for this same at age 65?[NEWLINE]agent: You can, and if you are, your initial enrollment period begins three months before you turn 65, including the month you turn 65 and ends three months after that birthday.[NEWLINE]user: What can I do after applying for Medicare?[NEWLINE]agent: You can sign up for A Hospital Insurance and Part B Medical Insurance. You can turn down Part B coverage if you don't want to pay a premium.[NEWLINE][BOUNDARY][NEWLINE]user: What documents do I need to apply?[NEWLINE]agent: You can find out online by checking the Checklist For The Online Medicare, Retirement, and Spouses Application.[NEWLINE][BOUNDARY][NEWLINE]user: How can I be sure that my identity is safe?


user: I'm a bit confused about a few things regarding medicare premiums. Could you explain how it works, please?[NEWLINE]agent: Of course. The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don't pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find additional information on what Medicare covers?[NEWLINE]agent: For additional information you should visit the Medicare website, or call 1-800-MEDICARE 1-800-633-4227; TTY 1-877-486-2048. Your State Health Insurance Counseling and Assistance Program SHIP also can help answer your Medicare questions.[NEWLINE][BOUNDARY][NEWLINE]user: Do you know about the Medicare application, what documents and information are needed?[NEWLINE]agent: To see a complete list of what you need for the application, go to the Checklist For The Online Medicare, Retirement, And Spouses Application.[NEWLINE][BOUNDARY][NEWLINE]user: My cousin wants to apply as well, but she doesn't know how to use the Internet and due to several disabilities she can't get to the office in person. Is there any option that allows a person who is hard of hearing to apply by phone?


user: I have so many questions about medicare premiums, I don't even know where to begin.[NEWLINE]agent: No problem. First you should know that the law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don t pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me how you determine my 2020 income-related monthly adjustment amounts when it comes to tax return?[NEWLINE]agent: Of course. We use your most recent federal tax return the IRS provides to us. Generally, this information is from a tax return filed in 2019 for tax year 2018. Sometimes, the IRS only provides information from a return filed in 2018 for tax year 2017.[NEWLINE][BOUNDARY][NEWLINE]user: One more thing about Applying for Medicare. I am qualified to Apply Medicare at the age of 65?[NEWLINE]agent: You can, and if you are, your initial enrollment period begins three months before you turn 65, including the month you turn 65 and ends three months after that birthday.[NEWLINE]user: What can I do after applying for Medicare?[NEWLINE]agent: You can sign up for A Hospital Insurance and Part B Medical Insurance. You can turn down Part B coverage if you don't want to pay a premium.[NEWLINE][BOUNDARY][NEWLINE]user: What documents do I need to apply?[NEWLINE]agent: You can find out online by checking the Checklist For The Online Medicare, Retirement, and Spouses Application.[NEWLINE][BOUNDARY][NEWLINE]user: How can I be sure that my identity is safe?


user: Hello there. What can you tell me about medicare premiums?[NEWLINE]agent: The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don t pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: What if I suddenly earn a lot more at my work?[NEWLINE]agent: Do you have a higher income now?[NEWLINE]user: No, I'm just asking.[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE]user: What would you do if you determine that I'm a higher-income beneficiary, anyway?[NEWLINE]agent: You'd pay a larger percentage of the total cost of Part B based on the income you normally report to the Internal Revenue Service IRS. You'd pay monthly Part B premiums equal to 35, 50, 65, 80, or 85 percent of the total cost, depending on what you report to the IRS.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if my tax return changes?[NEWLINE]agent: It is important that you contact us to make the respective changes.[NEWLINE]user: I'm also curious about Tax Return. What if I filed an amended tax return?[NEWLINE]agent: In that case, if it changes the income to determine the income-related monthly adjustment amounts your MAGI, you should inform us about it.[NEWLINE][BOUNDARY][NEWLINE]user: And if I'm a higher-income beneficiary, what happens then?


user: Hello, can you tell me more about the Rules for beneficiaries with higher incomes?[NEWLINE]agent: It is noteworthy that the law requires an adjustment to your monthly health insurance.[NEWLINE][BOUNDARY][NEWLINE]user: What if I must pay more for Medicare prescription drug coverage?[NEWLINE]agent: You should contact the Centers for Medicare Services to make a correction.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect, can you give me more information on the subject?[NEWLINE]agent: It is important that you search for information about the monthly adjustment amounts related to income.[NEWLINE]user: What is the process to apply for Medicare Part A or B?[NEWLINE]agent: Look for more information on the Medicare Resources website.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to know if there's an enrollment period on when I should apply for the Medicare?[NEWLINE]agent: Do you have medical insurance already?[NEWLINE]user: Yes, through my work.[NEWLINE]agent: If that's the case, you may qualify for a special enrollment period.[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply for Medicare when I turn 65?


user: Hello, what is the Medicare Premiums?[NEWLINE]agent: Mainly The law requires an adjustment to your monthly Medicare Part B health insurance and Medicare prescription drug coverage premiums.[NEWLINE][BOUNDARY][NEWLINE]user: What benefit are they granting?[NEWLINE]agent: It is noteworthy that the government pays a substantial part of the given benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm already enrolled in Medicare? What steps do I need to take in order to receive the benefits?[NEWLINE]agent: Do you have Medicare already?[NEWLINE]user: Well yeah, i'm already enjoying Medicare.[NEWLINE]agent: Good. In that case, you can get information and services online, an even find out how to manage your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: O.k. Well, in any case, just want to confirm something. If someone wants to sign up in Medicare, it doesn't need to be ready to retire yet, isn't?[NEWLINE]agent: That's correct. They don't need to be on retirement plans to sign up. They can do this just for medical service.[NEWLINE]agent: Do you know where to find what documents and information you need?


user: Hi, can you tell me the rules for beneficiaries with higher incomes?[NEWLINE]agent: It is important to note that most people do not pay higher premiums.[NEWLINE]user: What is Medicare Part B monthly health insurance?[NEWLINE]agent: According to the law, an adjustment to your insurance is required.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if you file taxes as married?[NEWLINE]agent: You will have to pay higher premiums for your coverage.[NEWLINE][BOUNDARY][NEWLINE]user: I see.  Another question for Medicare Part B enrollment, when should I apply?[NEWLINE]agent: You should sign up for Medicare three months before reaching age 65, even if you are not ready to start receiving retirement benefits.[NEWLINE]user: can i opt out of receiving cash retiremnt?[NEWLINE]agent: yes of course.[NEWLINE][BOUNDARY][NEWLINE]user: What if i did not get my new medicare card?[NEWLINE]agent: You can update your mailing address by logging in to or creating your personal my Social Security account.[NEWLINE][BOUNDARY][NEWLINE]user: how do i apply for medicare?[NEWLINE]agent: you can apply online[NEWLINE][BOUNDARY][NEWLINE]user: why did they new ones?


user: Hello there. Can you please answer a few questions I have about Medicare premiums?[NEWLINE]agent: Of course. The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don't pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: And what if I amended my tax return?[NEWLINE]agent: If it changes the income to determine the income - related monthly adjustment amounts your MAGI, let us know. We'll take care of it.[NEWLINE]user: How would my Medicare premiums be affected by amending my tax return if I am enrolled in Medicare?[NEWLINE]agent: Do you have Medicare already?[NEWLINE]user: Well yeah, i'm already enjoying Medicare.[NEWLINE]agent: Good. In that case, you can get information and services online, an even find out how to manage your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: O.k. Well, in any case, just want to confirm something. If someone wants to sign up in Medicare, it doesn't need to be ready to retire yet, isn't?[NEWLINE]agent: That's correct. They don't need to be on retirement plans to sign up. They can do this just for medical service.[NEWLINE]agent: Do you know where to find what documents and information you need?


user: what are the rules for beneficiaries with higher incomes[NEWLINE]agent:  The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare[NEWLINE][BOUNDARY][NEWLINE]user: If my spouse remarried and lived with me at any time during the tax year, but filed a separate tax return, what should I do?[NEWLINE]agent:  the following chart applies to you[NEWLINE]user:  If i re single and filed an individual tax return, or married and filed a joint tax return[NEWLINE]agent: the following chart applies to you[NEWLINE][BOUNDARY][NEWLINE]user: Another query about the Corrected Card for a Child Born in the United States. What if the document has reached the end of its validity period?[NEWLINE]agent: All documents must be current, not expired.[NEWLINE]user: and can I submit copies of the document?[NEWLINE]agent: You must present original documents or copies certified by the agency that issued them.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if I don't have one of these specific documents?[NEWLINE]agent: Do you have the Employee Identification Card?[NEWLINE]user: yes[NEWLINE]agent: In that case you can verify your identity with the US Passport.[NEWLINE]user: What if I don't have an ID in my child's name?


user: Hello, I would like to know the Rules for beneficiaries with higher incomes[NEWLINE]agent: Of course The law requires an adjustment to your monthly Medicare Part B health insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people do not pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: What if I disagree with your decision about the monthly adjustment?[NEWLINE]agent: If you disagree with our decision about monthly adjustment amounts related to your income?[NEWLINE]user: it is right[NEWLINE]agent: in that case you have the right to appeal. The fastest and easiest way to file an appeal of your decision is online. You can file online and provide documents electronically to support your appeal.[NEWLINE][BOUNDARY][NEWLINE]user: I'd like to ask you another question about how to apply for Medicare. Is it possible for me to qualify for Medicare at the age of 65?[NEWLINE]agent: You can, and if you are, your initial enrollment period begins three months before you turn 65, including the month you turn 65 and ends three months after that birthday.[NEWLINE]user: What can I do after applying for Medicare?[NEWLINE]agent: You can sign up for A Hospital Insurance and Part B Medical Insurance. You can turn down Part B coverage if you don't want to pay a premium.[NEWLINE][BOUNDARY][NEWLINE]user: What documents do I need to apply?[NEWLINE]agent: You can find out online by checking the Checklist For The Online Medicare, Retirement, and Spouses Application.[NEWLINE][BOUNDARY][NEWLINE]user: How can I be sure that my identity is safe?


user: what can you tell me about Medicare Premiums: Rules For Higher-Income Beneficiaries[NEWLINE]agent:  The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums[NEWLINE][BOUNDARY][NEWLINE]user: ow Social Security Determines You Have a Higher Premium[NEWLINE]agent: Social Security uses the most recent federal tax return the IRS provides to us.[NEWLINE]agent:  you must pay higher premiums?[NEWLINE]user: yes[NEWLINE]agent: we use a sliding scale to calculate the adjustments, based on your modified adjusted gross income MAGI.[NEWLINE]user: Is that sliding scale used if I only have Medicare prescription drug coverage?[NEWLINE]agent: In that case, you'll pay an income-related monthly adjustment amount only on the benefit you have.[NEWLINE][BOUNDARY][NEWLINE]user: There's something else to consider when it comes to income-related monthly adjustments. Where can I find out more information?[NEWLINE]agent:  For more information about the income - related monthly adjustment amounts or to apply for Medicare Part A or B[NEWLINE]user: it's not my case[NEWLINE]agent: Unfortunately, no relevant information is found.[NEWLINE][BOUNDARY][NEWLINE]user: If I must pay higher premiums?[NEWLINE]agent: we use a sliding scale to calculate the adjustments, based on your modified adjusted gross income MAG[NEWLINE][BOUNDARY][NEWLINE]user: If my income has decreased what are the possible cases


user: What are Medicare Premiums: Rules for Higher Income Beneficiaries[NEWLINE]agent: The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare. Most people don t pay higher premiums[NEWLINE][BOUNDARY][NEWLINE]user: How Social Security Determines You Have a Higher Premium[NEWLINE]agent: Social Security uses the most recent federal tax return the IRS provides to us.[NEWLINE]agent: you must pay higher premiums[NEWLINE]user: yes[NEWLINE]agent:  we use a sliding scale to calculate the adjustments, based on your modified adjusted gross income MAGI[NEWLINE][BOUNDARY][NEWLINE]user: What is done if I am determined to be a higher-income beneficiary?[NEWLINE]agent: Then you'll pay a larger percentage of the total cost of Part B based on the income you normally report to the Internal Revenue Service IRS.[NEWLINE]user: There's one more thing about the amount. If I Had a Higher Salary[NEWLINE]agent: you ll pay monthly premiums plus an additional amount, which is based on what you report to the IRS. Because individual plan premiums vary, the law specifies that the amount is determined using a base premium[NEWLINE][BOUNDARY][NEWLINE]user: if i income isn t greater than the limits described above[NEWLINE]agent: this law does not apply to you[NEWLINE][BOUNDARY][NEWLINE]user: How to determine monthly adjustment amounts related to 2020 income?


user: What are the Rules for higher income beneficiaries?[NEWLINE]agent: The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums.  This affects less than five percent of people with Medicare. Most people don t pay higher premiums[NEWLINE]user: I need more information[NEWLINE]agent:  Most people don t pay higher premiums[NEWLINE][BOUNDARY][NEWLINE]user: Good to know! Another question related to  Special Enrollment Period (SEP). Is there a time when I need to enroll?[NEWLINE]agent: Do you have medical insurance already?[NEWLINE]user: Yes, through my work.[NEWLINE]agent: If that's the case, you may qualify for a special enrollment period.[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply for Medicare when I turn 65?


user: What are the steps in the process of applying for disability for a child?[NEWLINE]agent: After you have reviewed the Child Disability Starter Kit which answers common questions about applying for SSI benefits for children, then you should work on the worksheet that will help you gather the information that you will need.[NEWLINE]agent: Do you need assistance completing the application process?[NEWLINE]user: I do.  This is all very confusing to me and I want to ensure that I do this right.[NEWLINE]agent: You can take your time doing this.  After you start a Child Disability Report you can always use your re-entry number to return to working on the report online.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to find all the necessary information in order to apply for disability for a child?[NEWLINE]agent: You will need to complete and Application for Supplemental Security Income and a Child Disability Report.  The report collects information about the child's disabling condition and how it affects his/her ability to function.[NEWLINE][BOUNDARY][NEWLINE]user: What are the steps in the application process?[NEWLINE]agent: You need to fill out the online Child Disability Report.  At the end of this report, we will ask you to sign a form that gives the child's doctor permission to give us information about his/her disability.[NEWLINE]user: What is the signature at the end of the report for?[NEWLINE]agent: That is for you to give the child's doctor permission to give us information about his/her disability.[NEWLINE]user: If I need further help with this, is there a TTY number that I can use for assistance?