user: Can you guide me through the process of applying for disability benefits for a child?[NEWLINE]agent: Are you planning to apply for a child?[NEWLINE]user: No, I'm not.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want me to walk you through the steps of an application?[NEWLINE]user: Sure, go ahead.[NEWLINE]agent: First you should review the Child Disability Starter Kit. This kit answers common questions about applying for Supplemental Security Income (SSI) benefits for children.[NEWLINE]agent: Do you need additional help with the process?[NEWLINE]user: No, thank you.[NEWLINE]agent: Are you deaf or hard of hearing?[NEWLINE]user: Yes, but why are you asking?[NEWLINE]agent: In that case you can all our toll-free TTY number, 1-800-325-0778.[NEWLINE]user: Fine, I'll note it down. Can we return to the topic, please? Does this starter kit include a worksheet?


user: I need help with my disability benefits application.[NEWLINE]agent: Are you applying for a child?[NEWLINE]user: Yes, for my disabled daughter.[NEWLINE]agent: In that case you will need to complete an Application for Supplemental Security Income (SSI) 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]user: Do I need to schedule an appointment for my SSI application?[NEWLINE]agent: Yes, you do. Please contact us by phone or in person to schedule an appointment to complete the SSI application. We will help you in person or by phone.[NEWLINE]user: Is there a way to do the whole application online?[NEWLINE]agent: At this time, only the Child Disability Report can be completed online.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, darn it. And what if I need additional help?[NEWLINE]agent: Then you can call us toll-free at 1-800-772-1213.[NEWLINE]user: Alright, and what should I do with my application after I've contact social security?


user: Hi there. I'm looking information related to the help that can be received by a child.[NEWLINE]agent: Sure, no problem. Do you know which steps do you need to follow to apply?[NEWLINE]user: No, not really. I hope you can guide me.[NEWLINE][BOUNDARY][NEWLINE]agent: Sure. We are here to help, you want to know about the steps to follow?[NEWLINE]user: Great. I don't know them, so please tell me about them.[NEWLINE][BOUNDARY][NEWLINE]user: Good, thank you. To apply this I can do it through phone?[NEWLINE]agent: Yes, you can do it in person and through phone.[NEWLINE][BOUNDARY][NEWLINE]user: Alright, in which hours I can contact you? and which days?[NEWLINE]agent: Representatives are available monday through friday between 8 a.m. and 5:30 p.m.[NEWLINE]user: Ok, thanks. and what is the number I can call to?


user: I have some lingering questions regarding a benefit application for a disabled child.[NEWLINE]agent: Would you like to know how to apply for a child then?[NEWLINE]user: Yes, that'd be a great start.[NEWLINE]agent: Great. You will need to complete an Application for Supplemental Security Income SSI AND a Child Disability Report. The report collects information about the child 's disabling condition and how it affects his/her ability to function. At this time, only the Child Disability Report can be completed online.[NEWLINE]user: Can you help me by guiding me through the process?[NEWLINE]agent: Of course. Please contact us by phone or in person to schedule an appointment to complete the SSI application. We will help you in person or by phone.[NEWLINE][BOUNDARY][NEWLINE]user: That'd be a great help. What exactly are the steps to apply I should take?[NEWLINE]agent: First you should review the Child Disability Starter Kit. This kit answers common questions about applying for Supplemental Security Income SSI benefits for children, and includes a worksheet that will help you gather the information you need.[NEWLINE]agent: Did you contact Social Security to find out whether the income and resources of the parents and the child are within the allowed limits, and to start the SSI application process?[NEWLINE]user: No, you're the first place I have contacted.[NEWLINE]agent: Did you review the Child Disability Starter Kit?


user: hello how do I apply for disability benefits for a child under 18[NEWLINE]agent: Do you want to request it for a child?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: do you want to know what to do?[NEWLINE]user: no thanks[NEWLINE]user: How do I find out if the income and resources of the parents and the child are within the allowed limits?[NEWLINE]agent: PLEASE CONTACT Social Security right away to find out if the parent's and child's income and resources are within the allowed limits, and to start the SSI application process.[NEWLINE]user: And after you contact me, what do I do?[NEWLINE]agent: start the SSI application process.[NEWLINE]user: where can I get more information?


user: Hello, I would like to obtain information about disability benefits for a child under 18[NEWLINE]agent: do you want to apply for a child?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know how to request it?[NEWLINE]user: no[NEWLINE]user: where can I get more information?[NEWLINE]agent: You can call us toll free at 1 - 800 - 772 - 1213.[NEWLINE]user: What time can I contact you?[NEWLINE]agent: Representatives are available Monday through Friday from 8 a.m. at 5:30 p.m.[NEWLINE][BOUNDARY][NEWLINE]user: how do i get the quote?


user:  Hello, I would like to obtain information about disability benefits for a child under 18[NEWLINE]agent: do you want to apply for a child?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know how to request the benefit?[NEWLINE]user: yes[NEWLINE]agent: Have you checked the starter kit for children?[NEWLINE]user: How do I find out if the income and resources of the parents and the child are within the allowed limits?[NEWLINE]user: How can I know if the income and resources of the parents and the child are within the allowed limits?[NEWLINE]agent: PLEASE CONTACT Social Security right away to find out if the parent's and child's income and resources are within the allowed limits, and to start the SSI application process.[NEWLINE]user: Where can I get more information if I am deaf?[NEWLINE]agent: Call our toll-free TTY number, 1 - 800 - 325 - 0778.[NEWLINE][BOUNDARY][NEWLINE]user: and where can I fill out the application?


user:  Hello, I would like to obtain information about disability benefits for a child under 18[NEWLINE]agent: do you want to apply for a child?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know how to request the benefit?[NEWLINE]user: no[NEWLINE]user: where can I get more information?[NEWLINE]agent: You can call us toll free at 1 - 800 - 772 - 1213.[NEWLINE]user: What is the Starter Kit for children?[NEWLINE]agent: This kit answers common questions about applying for Supplemental Security Income benefits for children, and includes a worksheet to help you gather the information you need.[NEWLINE]user: What time do they work?


user: Yes Apply for a child under the age of 18 What are the Disability Benefits?[NEWLINE]agent: To apply for a child?[NEWLINE]user: yes[NEWLINE]agent: You will need to complete an Application for Supplemental Security Income SSI 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 to apply?[NEWLINE]agent: CONTACT Social Security right away to find out whether the income and resources of the parents and the child are within the allowed limits, and to start the SSI application process[NEWLINE]user: I need more information[NEWLINE]agent: REVIEW the Child Disability Starter Kit. This kit answers common questions about applying for Supplemental Security Income SSI benefits for children, and includes a worksheet that will help you gather the information you need[NEWLINE]user: how to call social security[NEWLINE][BOUNDARY][NEWLINE]user: how To apply for a child?[NEWLINE]agent:  You will need to complete an Application for Supplemental Security Income SSI 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: I need more information


user: Hi I was wondering if I could find some answers to questions that I have about Social Security Credits.[NEWLINE]agent: The way it works is as follows: Social Security credits are earned when you work and pay Social Security taxes. You must earn at least 40 Social Security credits to qualify for Social Security benefits.[NEWLINE]user: And how long until I'm eligible?[NEWLINE]agent: You must earn at least 40 Social Security credits to qualify for Social Security benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I die and I'm receiving benefits. How much will my survivors benefits be?[NEWLINE]agent: In that circumstance, we will pay your survivors based on that entitlement. We will not have to determine your credits again.[NEWLINE][BOUNDARY][NEWLINE]user: How many credits are needed to begin receiving benefits for a disabilty?[NEWLINE]agent: Have you been deemed eligible for disability benefits?[NEWLINE]user: No I'm just gathering information for someone.[NEWLINE][BOUNDARY][NEWLINE]user: How is the amount of money earned per credit calculated?


user: Hey, I have some questions regarding the required amount of social security credits.[NEWLINE]agent: Of course. You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: What about the work test? What do I need to consider during my work test?[NEWLINE]agent: Remember that your work does not have to fall within a certain period. The table only provides an estimate of how many work credits you need. It does not cover all situations.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Do I get better benefits if I have more credits?[NEWLINE]agent: The number of credits does not affect the amount of benefits you receive. It only determines if you are eligible or not. You do not get extra benefits for earning more than the minimum number of credits.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I earn credits?[NEWLINE]agent: Do you work and pay social security taxes?[NEWLINE]user: No, I don't have a job.[NEWLINE]user: How much would I need to earn to get a credit?


user: How many social security credits do I need for benefits?[NEWLINE]agent: You must earn at least 40 Social Security credits to qualify for Social Security benefits.[NEWLINE]user: Alright, and how do I get those credits?[NEWLINE]agent: You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: What about retirement benefits? How many credits do I require to retire?[NEWLINE]agent: Were you born after 1928?[NEWLINE]user: Well, yes.[NEWLINE]agent: Then you need 40 credits to qualify for retirement.[NEWLINE][BOUNDARY][NEWLINE]user: How many credits can I earn per year?[NEWLINE]agent: You can earn up to a maximum of four credits per year.[NEWLINE]user: If I earn more credits than needed, do I get a higher amount of benefits?


user: I've been wondering how many social security credits I must earn to get social security benefits. Do you know how many I need?[NEWLINE]agent: You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me how I can earn these credits?[NEWLINE]agent: Are you working and paying Social Security taxes?[NEWLINE]user: No, not at the moment.[NEWLINE]user: What is the maximum of credits I can earn per year?[NEWLINE]agent: You can earn up to a maximum of four credits per year.[NEWLINE][BOUNDARY][NEWLINE]user: I see, but my disability doesn't make this less complicated. Can you give me a proper example?[NEWLINE]agent: Sure. If you become disabled at age 27, you would need 3 years of work 12 credits out of the past 6 years between ages 21 and 27.[NEWLINE][BOUNDARY][NEWLINE]user: Now that is a good example, thank you. And how many credits do I need for survivors benefits?


user: I'd like to know how this Social Security Credits thing work.[NEWLINE]agent: Certainly. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: Could you be more specific about how they are earned?[NEWLINE]agent: Do you work and pay Social Security taxes?[NEWLINE]user: Yes I do.[NEWLINE]agent: When you work and pay Social Security taxes, you earn up to a maximum of four credits per year.[NEWLINE]user: How much do you have to earn for 1 credit?[NEWLINE]agent: The amount of earnings it takes to earn a credit may change each year. In 2020 you must earn $5,640 to get the maximum four credits for the year.[NEWLINE][BOUNDARY][NEWLINE]user: I'm old, how many do you need for retirement benefits?[NEWLINE]agent: If you were born after 1928, you need 40 credits to qualify for retirement.[NEWLINE][BOUNDARY][NEWLINE]user: What if I need to leave Survivors Benefits to my family, how many do I need then?


user: What is the Social Security Credits?[NEWLINE]agent: To qualify for this benefit, it is important to collect 40 Social Security credits to qualify.[NEWLINE][BOUNDARY][NEWLINE]user: What other requirements are needed to be readable for disability benefits?[NEWLINE]agent: It is important that you meet the main requirements, a recent proof of work and a lasting proof of work.[NEWLINE][BOUNDARY][NEWLINE]user: What is the maximum number of credits per year that can be purchased?[NEWLINE]agent: You can earn a maximum of four credits.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if legal blindness occurs?[NEWLINE]agent: Of note, there is no recent proof of work requirement.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is the procedure to obtain the credits?[NEWLINE]agent: Primarily when you work and pay taxes.[NEWLINE]user: Perfect, and what else can you tell me?


user: Can you tell me what about the Social Security Credits?[NEWLINE]agent: To qualify, is it important to obtain at least 40 Social Security credits?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is legal blindness?[NEWLINE]agent: It is noteworthy that no recent proof of work requirement is established.[NEWLINE][BOUNDARY][NEWLINE]user: What are the processes to determine if you are eligible or not?[NEWLINE]agent: It is noteworthy that the number of credits does not affect the amount of benefits you receive.[NEWLINE][BOUNDARY][NEWLINE]user: What is the number of credits needed for benefits?[NEWLINE]agent: It is important that the number of credits necessary for family members to be eligible, depending on various factors.[NEWLINE]agent: Also, if you are already receiving retirement or disability benefits.[NEWLINE]user: What if you are receiving retirement or disability benefits?[NEWLINE][BOUNDARY][NEWLINE]user: How much must be earned to qualify for the maximum number of credits per year?


user: Hello, what about Social Security?[NEWLINE]agent: You must meet several actors to qualify for the benefit, at least 40 Social Security credits to qualify.[NEWLINE][BOUNDARY][NEWLINE]user: What is the process to obtain the credits?[NEWLINE]agent: It is important to work and pay taxes.[NEWLINE]user: Can you expand that information more?[NEWLINE][BOUNDARY][NEWLINE]user: What if you are legally blind?[NEWLINE]agent: You only have to comply with the duration of the proof of work.[NEWLINE][BOUNDARY][NEWLINE]user: How can I qualify for the Social Security credit?[NEWLINE]agent: It is important that you must earn $ 5,640 to earn a maximum of four credits per year.[NEWLINE][BOUNDARY][NEWLINE]user: What is the proof of work?


user: Good, how can I qualify for Social Security Credits?[NEWLINE]agent: To qualify, it is important to fulfill at least 40 Social Security credits.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if you are already receiving retirement or disability benefits at the time of your death?[NEWLINE]agent: We will primarily pay your survivors based on that right.[NEWLINE][BOUNDARY][NEWLINE]user: What if I was born after 1928?[NEWLINE]agent: Having 40 credits is vital to qualify for retirement.[NEWLINE][BOUNDARY][NEWLINE]user: How can you earn credits for this purpose?[NEWLINE]agent: I recommend that you read our post, which addresses that matter.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what requirements are needed to be eligible?[NEWLINE]agent: You must present a recent proof of work and a proof of duration to be eligible for this purpose.[NEWLINE][BOUNDARY][NEWLINE]user: Can you advise me, in relation to obtain the credits?[NEWLINE]agent: It is primary to work and pay Social Security taxes.


user: Hello, what is the Social Security Credits?[NEWLINE]agent: You must have at least 40 Social Security credits to qualify for such credit.[NEWLINE][BOUNDARY][NEWLINE]user: What must be met in order to qualify?[NEWLINE]agent: Mainly if you have 6 credits earned in the 3-year period that ends when your disability begins.[NEWLINE]user: Perfect, you can follow me commented on the subject.[NEWLINE]agent: In addition, it would take 3 years of work and 12 credits of the last 6 years between the ages of 21 and 27, in order to qualify for such a process.[NEWLINE][BOUNDARY][NEWLINE]user: Can you advise me how to obtain the credits please?[NEWLINE]agent: One of the main requirements is when you work and pay Social Security taxes.[NEWLINE]user: Can you advise me more about such a process?[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have enough credits?


user: I could use some help regarding social security credits. How do they work?[NEWLINE]agent: You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: How many credits do I need for disability benefits?[NEWLINE]agent: Do you want to know the disability benefit requirements?[NEWLINE]user: No, I just want to understand the credit system.[NEWLINE][BOUNDARY][NEWLINE]user: How do I earn those credits?[NEWLINE]agent: Are you working and do you pay Social Security taxes?[NEWLINE]user: Yes, to both.[NEWLINE]agent: In that case you earn up to a maximum of four credits per year.[NEWLINE][BOUNDARY][NEWLINE]user: What if I'm already receiving retirement benefits and I die?


user: what can you tell me about Social Security Credits[NEWLINE]agent: You must earn at least 40 Social Security credits to qualify for Social Security benefits.   You earn Social Security credits when you work and pay Social Security taxes[NEWLINE][BOUNDARY][NEWLINE]user: If i are statutorily blind?[NEWLINE]agent: you must only meet the duration of work test[NEWLINE][BOUNDARY][NEWLINE]user: If i are already receiving retirement or disability benefits at the time of my death[NEWLINE]agent: we will pay your survivors based on that entitlement. We will not have to determine your credits again[NEWLINE][BOUNDARY][NEWLINE]user: How Credits Are Earned?[NEWLINE]agent: when you work and pay Social Security taxes[NEWLINE]user: it's not my case[NEWLINE][BOUNDARY][NEWLINE]user: Do I need 40 credits to qualify for retirement?


user: Hello, I would like to obtain information about Social Security Credits[NEWLINE]agent: Of course You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me the number of credits needed for retirement benefits?[NEWLINE]agent: were you born after 1928?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: If I have more credit, can I receive more benefits?[NEWLINE]agent: The number of credits does not affect the amount of benefits you receive. It only determines if you are eligible or not. You do not get additional benefits for earning more than the minimum number of credits.[NEWLINE][BOUNDARY][NEWLINE]user: What do you earn when you work and pay Social Security taxes?[NEWLINE]agent: earn up to a maximum of four credits per year.[NEWLINE][BOUNDARY][NEWLINE]user: What would happen if you are already receiving retirement or disability benefits at the time of your death?


user: what can you tell me about Social Security Credits[NEWLINE]agent: You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes[NEWLINE][BOUNDARY][NEWLINE]user: what is the number of credits needed for retirement benefits[NEWLINE]agent: you were born after 1928?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: What do I have to do to be eligible for disability benefits?[NEWLINE]agent: you must meet a recent work test and a duration work test[NEWLINE]user: if it is legal blindness?[NEWLINE]agent: there is not a recent work test requirement.[NEWLINE][BOUNDARY][NEWLINE]user: Número de créditos necesarios para los beneficios de sobrevivientes


user: I have some questions about my social security credits.[NEWLINE]agent: Of course. First, you should know that you must earn at least 40 Social Security credits to qualify for Social Security benefits.[NEWLINE]user: But I do earn those credits from working and paying taxes, right?[NEWLINE]agent: Yes, you earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: I am 68 years old now, how many credits do I need for my retirement?[NEWLINE]agent: If you were born after 1928, you need 40 credits to qualify for retirement.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Well, what is the number of credits I need for survivor benefits?[NEWLINE]agent: The number of credits needed for family members to be eligible for survivors benefits depends on your age when you die. The younger you are, the fewer credits needed.[NEWLINE]agent: Are you already receiving retirement or disability benefits?[NEWLINE]user: No, I'm not.[NEWLINE][BOUNDARY][NEWLINE]user: What should I consider for the duration of my work test?


user: I'm confused when it comes to social security credits and want to know how exactly they work.[NEWLINE]agent: Of course. You must earn at least 40 Social Security credits to qualify for Social Security benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need anything else for disability benefits, or how does it work?[NEWLINE]agent: Yes, you must meet a recent work test and a duration work test.[NEWLINE][BOUNDARY][NEWLINE]user: And those credits, I get them for working my job, right?[NEWLINE]agent: Correct. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: I'm 69 years of age now, how many credits do I need to retire?[NEWLINE]agent: You need 40 credits to qualify for retirement.[NEWLINE][BOUNDARY][NEWLINE]user: I'm statutory blind, how am I supposed to do the work test?[NEWLINE]agent: In that case there is not a recent work test requirement.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to hear. How do I earn more credits?[NEWLINE]agent: Do you currently work and pay Social Security taxes?


user: Hello, can you please tell me how I can keep my personal information secure?[NEWLINE]agent: Of course. Identity theft affects millions of people each year and can cause serious financial and identity-related problems.[NEWLINE][BOUNDARY][NEWLINE]user: Well, but before we get to that, what should I know regarding 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: Alright, I'll read that page. So, what should I do to report any suspicious activity?[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'm here to figure out how changes to my situation affect my retirement benefits.[NEWLINE]agent: Has a major change happened in your life?[NEWLINE]user: No, I wouldn't call it a major change. A small one perhaps.[NEWLINE][BOUNDARY][NEWLINE]user: Yesterday I received a suspicious call from someone who said he was working for social security. What should I do in such a situation?[NEWLINE]agent: You should 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: Alright, I'll follow your advice. So what benefits am I entitled to?[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: What should I do after applying for retirement benefits?[NEWLINE]agent: Successfully filing for retirement benefits isn't the end of your Social Security journey. We have resources to save you time on important retirement tasks and keep you in control of your Social Security account benefits through a free my Social Security account.[NEWLINE][BOUNDARY][NEWLINE]user: What if I already receive social security benefits and something has changed?


user: I came here to figure out if I need to report possible changes to my situation to you. Can you assist me with that, please?[NEWLINE]agent: Of course. Was there a major change in your life?[NEWLINE]user: Yes, you could say so.[NEWLINE]agent: In that case letting us know ensures your benefits and information is kept up to date. Remember to tell us whenever there s a change in your life circumstance that could affect your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: I'll remember that. So what if I need help with managing my benefits? Where can I find help?[NEWLINE]agent: Just visit our contact us page for other ways to get support.[NEWLINE][BOUNDARY][NEWLINE]user: Got that. Well, do you by any chance know how I can protect my personal information when doing all these things?[NEWLINE]agent: You should visit "If You Want Extra Security" to learn about extra verification steps we can add to your account.[NEWLINE][BOUNDARY][NEWLINE]user: On the website? Alright. So, how can I stay up to date with the latest social security information?[NEWLINE]agent: Create your personal my Social Security account to receive important notices online through the Message Center. The Message Center is a secure, convenient portal where you can receive sensitive communications we don t send through email or text.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any further advice on how to keep my personal information safe?


user: Good day. Please tell me, what kind of services does your website offer?[NEWLINE]agent: There are many time-saving options available to you, in shape of many popular online services.[NEWLINE]agent: Do you need help with managing your benefits but you can't find the answer or service?[NEWLINE]user: Yes, I can't find the right service.[NEWLINE]agent: Then you should visit our contact us page for other ways to get support.[NEWLINE][BOUNDARY][NEWLINE]user: I'll do that, thank you. Well, there have been some changes in my life, do I need to report them to you?[NEWLINE]agent: Yes, you should. Letting us know ensures your benefits and information is kept up to date. Remember to tell us whenever there s a change in your life circumstance that could affect your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What topics does your website cover?[NEWLINE]agent: Understand Your Benefits / Inform Us Of Changes / Use Our Resources And Services To Stay In Control / Keep Your Information Secure, to name a few.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. And should I report suspicious activity to you or just ignore it?[NEWLINE]agent: Did you receive a suspicious call from someone claiming to be from Social Security?


user: Hey, how can I keep my personal information safe?[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: How can I protect myself from fraud?[NEWLINE]agent: Social Security is diligently working at national, regional, and local levels to combat the fraud that undermines our mission to serve the American public.[NEWLINE][BOUNDARY][NEWLINE]user: Should I report suspicious activity, such as scams?[NEWLINE]agent: Did you receive a suspicious call from someone claiming to be from Social Security?[NEWLINE]user: No, luckily I did not.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know what benefits I qualify for?[NEWLINE]agent: We can 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: What should I do if something major changes in my life? Am I supposed to report that to you?


user: Yes, well, I'm a bit confused. I don't know which life changes I need to report to you and which I don't need to report to you. Can you please help me figure this out?[NEWLINE]agent: Of course. Has a major change happened in your life?[NEWLINE]user: Yes, you could say so.[NEWLINE]agent: In that case letting us know ensures your benefits and information is kept up to date. Remember to tell us whenever there's a change in your life circumstance that could affect your benefits.[NEWLINE]user: What if I already receive 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: Are there any resources and services that would help me stay in control of managing my retirement benefits?[NEWLINE]agent: Yes, there are many options that will save you time and we have some popular ones that could help online.[NEWLINE]agent: Do you need help managing your benefits or cannot find an answer you need?[NEWLINE]user: No, I have found what I need.[NEWLINE][BOUNDARY][NEWLINE]user: Should I report any suspicious activity?[NEWLINE]agent: Have you received a suspicious call from someone claiming to be from Social Security?.[NEWLINE]user: No, I have not received a suspicious call.[NEWLINE][BOUNDARY][NEWLINE]user: 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: Should I take care of Advanced Designation of Representative Payee online?


user: Hello, can you inform me of the various changes that occur in benefits?[NEWLINE]agent: It occurs when a change occurs in your life.[NEWLINE]user: Can you explain more about the above?[NEWLINE][BOUNDARY][NEWLINE]user: What does my Social Security consist of?[NEWLINE]agent: It is intended to receive important notices online through the Message Center.[NEWLINE][BOUNDARY][NEWLINE]user: What changes may occur to affect my benefits?[NEWLINE]agent: They can be several that affect your daily life.[NEWLINE][BOUNDARY][NEWLINE]user: Are you making calls asking about insurance?[NEWLINE]agent: In such a situation, hang up and then report the details of the call to the Office of the Inspector General.[NEWLINE][BOUNDARY][NEWLINE]user: What does maintaining control consist of?


user: Good, what is the administration of your retirement benefits?[NEWLINE]agent: Importantly, we have resources to save you time on important retirement tasks and keep you in control of your Social Security account benefits through a free Social Security account.[NEWLINE][BOUNDARY][NEWLINE]user: What does maintaining control consist of?[NEWLINE]agent: There are several online services that can help you.[NEWLINE]agent: Everything is based on help to manage your benefits.[NEWLINE]user: What if they can't help me?[NEWLINE]user: What is the proof of income?[NEWLINE]agent: It is important that you get a proof of income letter.[NEWLINE][BOUNDARY][NEWLINE]user: What if there is a change in the circumstances of your life?[NEWLINE]agent: It is important that all benefits and information are kept current.[NEWLINE][BOUNDARY][NEWLINE]user: It is important that you visit our page Learn about retirement benefits.


user: Hello, I need information about what would happen if changes arise when it comes to Manage retirement benefits?[NEWLINE]agent: This can happen with changes that happen to you constantly.[NEWLINE]user: You can advise me regarding the subject.[NEWLINE]agent: It is vital that all your benefits and information are kept updated at all times.[NEWLINE][BOUNDARY][NEWLINE]user: What can be done if suspicious activity occurs?[NEWLINE]agent: Be careful if you get a suspicious call from someone who claims to be from Social Security.[NEWLINE]user: What can be done in those cases?[NEWLINE][BOUNDARY][NEWLINE]user: Use our resources and services to maintain control regarding the subject.[NEWLINE]agent: t is noteworthy that there are many time saving options available to you.[NEWLINE]user: How can benefits be managed in a controlled way?


user: Hey, I need some assistance with managing my retirement benefits.[NEWLINE]agent: Of course. Successfully filing for retirement benefits isn't the end of your Social Security journey. We have resources to save you time on important retirement tasks and keep you in control of your Social Security account benefits through a free my Social Security account.[NEWLINE][BOUNDARY][NEWLINE]user: I've recently gotten a suspicious call from someone claiming to be from social security. What should I do in such a case?[NEWLINE]agent: You should 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: Got it. What can I do to stay up to date?[NEWLINE]agent: With SSA.gov, there are a few ways to stay in the know on the latest Social Security information.[NEWLINE][BOUNDARY][NEWLINE]user: I'll check out your website, thank you. What can I do to keep my information 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: What am I entitled to then?[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: Alright. Should I inform you if something changes?[NEWLINE]agent: Did such a change happen in your life?


user: Hello there. I need explanations regarding my retirement benefits. I can't make sense of it all.[NEWLINE]agent: Of course. First you should know that successfully filing for retirement benefits isn't the end of your Social Security journey. We have resources to save you time on important retirement tasks and keep you in control of your Social Security account benefits through a free my Social Security account.[NEWLINE][BOUNDARY][NEWLINE]user: That's great to know. Can you perhaps tell me how to protect myself from fraud as well?[NEWLINE]agent: Yes. Social Security is diligently working at national, regional, and local levels to combat the fraud that undermines our mission to serve the American public.[NEWLINE][BOUNDARY][NEWLINE]user: So should I inform you about changes in my life or should I keep the information to myself to limit fraud?[NEWLINE]agent: Has such a change happened in your life?[NEWLINE]user: Actually yes.[NEWLINE]agent: In that case letting us know ensures your benefits and information is kept up to date. Remember to tell us whenever there is a change in your life circumstance that could affect your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. But what about my benefits? What do I need to consider?[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: How to manage my retirement benefits[NEWLINE]agent: Successfully filing for retirement benefits isn t the end of your Social Security journey. We have resources to save you time on important retirement tasks and keep you in control of your Social Security account benefits through a free my Social Security account[NEWLINE][BOUNDARY][NEWLINE]user: If I need help with managing your benefits and can not find the answer or service above[NEWLINE]agent: visit our contact us page for other ways to get support[NEWLINE][BOUNDARY][NEWLINE]user: inform me of changes[NEWLINE]agent: change happens in your life?[NEWLINE]user: not[NEWLINE]user: what are the common changes?[NEWLINE]agent:  Getting married or divorced[NEWLINE][BOUNDARY][NEWLINE]user: I want to understand my benefits


user: Hello, I would like to obtain information about how can I keep my information safe?[NEWLINE]agent: Of course Identity theft affects millions of people every year and can cause serious financial and identity problems. Protect yourself by securing your personal information, taking time to understand the threat of identity theft, and exercising caution.[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if I see suspicious activity?[NEWLINE]agent: got a suspicious call from someone who claims to be from Social Security?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: How can I protect myself from fraud?[NEWLINE]agent: Social Security is working diligently at the national, regional, and local levels to combat fraud that undermines our mission to serve the American public[NEWLINE][BOUNDARY][NEWLINE]user: Where can I get information about benefits?[NEWLINE]agent: Make sure you get the retirement benefits you owe 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: What services can I find online?


user: under what circumstances are informed of changes[NEWLINE]agent: Has any change happened in your life?[NEWLINE]user: yes[NEWLINE]agent:  letting us know ensures your benefits and information is kept up to date. Remember to tell us whenever there s a change in your life circumstance that could affect your benefits[NEWLINE][BOUNDARY][NEWLINE]user: what can you tell me about Informar actividad sospechosa[NEWLINE]agent:  you receive a suspicious call from someone claiming to be from Social Security?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: you already receive Social Security benefits[NEWLINE]agent:  you can update much of your information online with your personal my Social Security account[NEWLINE][BOUNDARY][NEWLINE]user: How do I understand my benefits?


user: Hello, I would like to know what changes I should report[NEWLINE]agent: Has a change occurred in your life?[NEWLINE]user: yes[NEWLINE]agent: When a change occurs in your life, letting us know ensures that your benefits and information are up to date. Remember to inform us whenever there is a change in the circumstances of your life that may affect your benefits....[NEWLINE][BOUNDARY][NEWLINE]user: Why do I need 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][BOUNDARY][NEWLINE]user: What information about retirement is important for you to know?


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][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]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][BOUNDARY][NEWLINE]user: Do pensions and taxes have any impact on my retirement benefit?


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: What if I retire before the official age?[NEWLINE]agent: You'll receive your full benefit amount. Your benefit amount will be reduced if you retire start benefits before reaching full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: How do I proceed if I'm ready to retire now?[NEWLINE]agent: You can start your application today.[NEWLINE][BOUNDARY][NEWLINE]user: What criteria do I need to meet for eligibility?[NEWLINE]agent: Do you work and pay Social Security taxes?[NEWLINE]user: Yes I sure do.


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: Ah, I see. Can you also tell me something about pensions?[NEWLINE]agent: Sure. Pensions and taxes have the potential to impact your retirement benefit. Review the resources on our website on pensions and other factors you should consider.[NEWLINE][BOUNDARY][NEWLINE]user: Say, what if I choose to keep working beyond my retirement age?[NEWLINE]agent: Then you can increase your future Social Security benefits.[NEWLINE][BOUNDARY][NEWLINE]user: That sounds great. How are my earnings affecting the amount of benefits? Are there certain jobs that count more toward that?[NEWLINE]agent: Are you aware that Social Security earnings are calculated the same way for most American workers?[NEWLINE]user: Yes, but I still want to know.


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][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]user: What other factors are there?[NEWLINE]agent: The Windfall Elimination Provision (WEP), for example.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, okay. Say, is it possible to keep working beyond 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][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: Are my options to either work or apply for retirement, or even both?[NEWLINE]agent: Social Security Credits![NEWLINE][BOUNDARY][NEWLINE]user: Are there some types of incomes that follow a different set of rules?[NEWLINE]agent: Do you know that Social Security earnings are calculated in the same way for most American workers?


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 is the Early Retirement Age?[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: 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: What exactly is delayed retirement age?[NEWLINE]agent: Are you planning on taking your benefits beyond full retirement age?.[NEWLINE]user: No, I am not planning on waiting until after full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: What if I return to work later?[NEWLINE]agent: More credits could be added; but we can't pay any retirement benefits before you rach 40 credits.[NEWLINE][BOUNDARY][NEWLINE]user: What actually is the full retirement age?


user: I wonder when to start retirement benefits?[NEWLINE]agent: When to start collecting that benefit is a personal decision.[NEWLINE]user: At what point do you start receiving benefits?[NEWLINE]agent: It is noteworthy that you will receive the full amount of your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen to the unused money?[NEWLINE]agent: Primarily it goes to a Social Security trust fund that pays monthly benefits to you and your family.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if you delay collecting benefits?[NEWLINE]agent: This retirement benefit will continue to increase until age 70.[NEWLINE][BOUNDARY][NEWLINE]user: Okay, what should I know?[NEWLINE]agent: The maximum retirement benefit of the Insurance depends on several factors.


user: Hi, do I need information regarding retirement benefits?[NEWLINE]agent: There is a maximum Social Security retirement.[NEWLINE]user: Can you tell me what is the maximum benefit?[NEWLINE][BOUNDARY][NEWLINE]user: I wonder if you can add more credits?[NEWLINE]agent: Sure, we also can't pay any retirement benefits until you have 40 credits.[NEWLINE][BOUNDARY][NEWLINE]user: Will benefits be reduced if you start receiving benefits before you reach full retirement age?[NEWLINE]agent: Of course, it is also important to know that the benefits are perceived from the age of 62.[NEWLINE][BOUNDARY][NEWLINE]user: What if he reaches that age and continues working?[NEWLINE]agent: Each additional year you work adds another year of earnings to your Social Security record.[NEWLINE]user: Perfect, what else can you tell me?


user: Hello, can you tell me about all the retirement benefits?[NEWLINE]agent: It is important that you continue reading to understand how Social Security fits into your retirement plan and all the benefits it can offer you.[NEWLINE][BOUNDARY][NEWLINE]user: What does social security consist of?[NEWLINE]agent: One of the important benefits is that they receive 40% of their pre-retirement income from Social Security.[NEWLINE]agent: This can happen while you are making your retirement plan.[NEWLINE]user: What does this retirement plan consist of?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me more about such a process?[NEWLINE]agent: Review the various applications that can facilitate the process.[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about the delayed retirement age?[NEWLINE]agent: It consists of delaying the collection of benefits, among other things.[NEWLINE]user: Okay, what else can you tell me.


user: Hey, I'm planning for retirement and need some input.[NEWLINE]agent: Alright. Planning is the key to creating your best retirement. You'll need to plan and save for years to achieve your retirement goals.[NEWLINE]agent: Are you aware of the many factors that affect retirement planning?[NEWLINE]user: Yes, I suppose so.[NEWLINE]agent: Then you should know that we want you to understand what Social Security can mean to you and your family's financial future.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds good. Now, how do the retirement benefits work exactly?[NEWLINE]agent: Social Security replaces a percentage of a worker s pre-retirement income based on their lifetime earnings. The portion of your pre-retirement wages that Social Security replaces is based on your highest 35 years of earnings and varies depending on how much you earn and when you choose to start benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Is there more than social security I should consider in my plan?[NEWLINE]agent: Remember, on average, retirement beneficiaries receive 40% of their pre-retirement income from Social Security.[NEWLINE]user: What does this mean when creating my retirement plan?[NEWLINE]agent: Knowing the approximate amount you will receive in Social Security benefits can help you determine how much other retirement income you'll need to reach your goals.[NEWLINE][BOUNDARY][NEWLINE]user: What about my taxes? Are they put on a savings account to ensure the safety of my retirement benefits?


user: when should I decide to start retirement benefits[NEWLINE]agent: Choosing when to start receiving retirement benefits is a personal decision[NEWLINE]agent: you choose to retire begin receiving benefits when you reach your full retirement age?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I do it?[NEWLINE]agent: you can increase your future Social Security benefits[NEWLINE][BOUNDARY][NEWLINE]user: How to check my earnings history[NEWLINE]agent:  The amount of the Social Security benefits you or your family receives depends on the amount of earnings shown on your record[NEWLINE][BOUNDARY][NEWLINE]user: What is your opinion[NEWLINE]agent: Working, Applying For Retirement, Or Both?[NEWLINE][BOUNDARY][NEWLINE]user: What Age Should You Start To Receive Benefits?


user: Hello, I would like to obtain information about Retirement Planning[NEWLINE]agent: Of course Planning is the key to creating your best retirement. You will have to plan and save for years to reach your retirement goals.[NEWLINE]agent: know the factors that can affect retirement planning?[NEWLINE]user: if I want to meet them[NEWLINE]agent: We want you to understand what Social Security can mean to you and your family's financial future.[NEWLINE][BOUNDARY][NEWLINE]user: How do retirement benefits work?[NEWLINE]agent: Social Security replaces a percentage of a worker's pre-retirement income based on his or her lifetime income.s The portion of his or her pre-retirement wages that Social Security replaces is based on their highest earnings of 35 years And it varies depending on how much you earn and when you choose to start benefits.[NEWLINE]user: The pre-retirement wages that Social Security replaces are based on what?[NEWLINE]agent: on your highest income of 35 years and varies according to how much you earn and when you choose to start benefits.[NEWLINE]user: and what do you do with the unused money?[NEWLINE]agent: The unused money goes to a Social Security trust fund that pays monthly benefits to you and your family when you start receiving retirement benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What types of income include special rules?


user: Hello, I would like to obtain information about retirement benefits[NEWLINE]agent: We want you to know what Social Security means to you and your family's financial future. In this section, you can learn how Social Security works, who is eligible for retirement benefits, and what to consider before applying. Read on to understand how Social Security fits into your retirement plan.[NEWLINE][BOUNDARY][NEWLINE]user: What is the full retirement age?[NEWLINE]agent: The full retirement age is the age at which you will be able to collect the full amount of your retirement benefit. The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually if you were born from 1955 to 1960, until he turns 67 years old.[NEWLINE]agent: Were you born after 1960?[NEWLINE]user: yes[NEWLINE]agent: For anyone born in 1960 or later, full retirement benefits are paid at age 67. You can find your full retirement age by year of birth in the full retirement age table.[NEWLINE][BOUNDARY][NEWLINE]user: what else should i do...[NEWLINE]agent: Set up your financial plan with Social Security[NEWLINE][BOUNDARY][NEWLINE]user: and all income is calculated the same?[NEWLINE]agent: there are some types of income that have additional rules[NEWLINE][BOUNDARY][NEWLINE]user: At what age should you start receiving benefits?


user: Hello, I would like to obtain information about What affects your retirement benefits?[NEWLINE]agent: Everyone's retirement is unique. Beyond deciding when to start receiving retirement benefits, other factors that may affect your benefits include whether you continue to work, what type of job you had, and whether you have a pension from certain jobs.[NEWLINE][BOUNDARY][NEWLINE]user: Can pensions and taxes affect my retirement benefit?[NEWLINE]agent: Pensions and taxes have the potential to affect your retirement benefit.[NEWLINE][BOUNDARY][NEWLINE]user: At what age should you start receiving benefits?[NEWLINE]agent: The age at which you start collecting your retirement benefit affects the amount you will receive. There are three important things you need to know about age when thinking about when to start your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What else can affect retirement?[NEWLINE]agent: Other factors that may affect your benefits include whether you continue to work, what type of job you had, and whether you have a pension from certain jobs.[NEWLINE][BOUNDARY][NEWLINE]user: What are specific types of earnings?[NEWLINE]agent: Are you an American worker?


user: hi i would like to know if it is possible to decide when to start retirement benefits[NEWLINE]agent: Of course Choosing when to start receiving retirement benefits is a personal decision.[NEWLINE]agent: do you want to retire?[NEWLINE]user: yes[NEWLINE]agent: You will receive the full amount of your benefits. We will reduce your benefit amount if you retire before you reach full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: What if the person was born in 1960 or later?[NEWLINE]agent: For anyone born in 1960 or later, full retirement benefits are paid at age 67.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know how much benefit I will receive?[NEWLINE]agent: The Retirement Calculator within my Social Security allows you to obtain personalized retirement benefit estimates based on your actual earnings.[NEWLINE][BOUNDARY][NEWLINE]user: What are specific types of earnings?[NEWLINE]agent: are you in the american worker group?[NEWLINE]user: yes


user: There are some things about my social security benefits I would like to know.[NEWLINE]agent: Of course. Do you already receive Social Security or SSI benefits and do you have a bank account?[NEWLINE]user: Yes, to both.[NEWLINE]agent: In that case you can sign up for Direct Deposit.[NEWLINE]user: What if I want to open a bank account for direct deposit and I have decided on an account that is right for me?[NEWLINE]agent: Then you should let the representative at the financial institution know that you are interested in signing up to receive your benefits by Direct Deposit.[NEWLINE]user: What if I don't have a bank account at all?[NEWLINE]agent: Then you must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE]user: I see. And what is this direct express card I've read about?[NEWLINE]agent: The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account. We deposit your federal benefit payment directly into your card account.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't receive any benefits yet?


user: I'm a future benefits receiver and would like information about Direct Deposit.[NEWLINE]agent: So you don't get Social Security or SSI benefits yet?[NEWLINE]user: Not at the moment, no.[NEWLINE]agent: Do you already have an account with us?[NEWLINE]user: No I don't.[NEWLINE][BOUNDARY][NEWLINE]user: Do you need a bank account to receive benefits?[NEWLINE]agent: We offer a Direct Express card which is a debit card you can use to access your benefits and you don't need a bank account.[NEWLINE]user: What do I need to do for this?[NEWLINE]agent: You must open an account before you can sign up for Direct Deposit. Shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE][BOUNDARY][NEWLINE]user: And what information do I need to create an account?


user: I have a few questions about my social security benefits. It'd be great if you had the time to answer them.[NEWLINE]agent: Of course. Do you already receive Social Security or SSI benefits and you have a bank account?[NEWLINE]user: Yes, to both.[NEWLINE]agent: Then you can sign up for Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: My brother is not receiving benefits yet, but he is planning to apply and has a bank account. Can he apply for direct deposit, too?[NEWLINE]agent: Yes. Please tell him to take his checkbook or a copy of his bank statement with him.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. And how can I sign up for direct deposit?[NEWLINE]agent: You can sign up by contacting your bank, credit union or savings and loan association, for example.[NEWLINE][BOUNDARY][NEWLINE]user: Great. What if I already have a bank account? What do I need to consider during my application?[NEWLINE]agent: Just have your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: And what would someone without an account do?


user: I'm planning to apply for social security and direct deposit and I need some information about the process.[NEWLINE]agent: Of course. Are you currently not receiving any Social Security or SSI benefits yet but are you planning to apply?[NEWLINE]user: Yes, that'd be the case.[NEWLINE]agent: Then you should tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit.[NEWLINE]user: What if I already own a bank account?[NEWLINE]agent: Then you should bring your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. And what can you tell me about this direct express card I've read about?[NEWLINE]agent: The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account. With the Direct Express card program, we deposit your federal benefit payment directly into your card account.[NEWLINE]user: Sounds great. How can I sign up for such a card?[NEWLINE]agent: It's quick and easy to sign up for the card. Call the toll-free Direct Express hotline at 1-800-333-1795. Social Security can help you sign up.[NEWLINE]user: Alright. Back to direct deposit, what should I do next if I have an account?


user: Hello, I'm currently not receiving any benefits, but I'm planning to apply and also have some questions about benefits and direct deposit.[NEWLINE]agent: Are you not receiving Social Security or SSI benefits yet but are planning to apply?[NEWLINE]user: No, to both.[NEWLINE]agent: Do you already have an account?[NEWLINE]user: Yes, I already have a bank account.[NEWLINE]agent: Then you should bring your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have an account yet?[NEWLINE]agent: Then you must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE]user: Makes perfect sense. By the way, what is this direct express card, which is mentioned on your website?[NEWLINE]agent: The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account. With the Direct Express card program, we deposit your federal benefit payment directly into your card account.[NEWLINE]user: Sounds great. How can I sign up for it?


user: Hello! How can I receive Social Security Direct Deposit benefits?[NEWLINE]agent: Do you have a bank account?[NEWLINE]user: No, I don't.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I am not receiving benefits?[NEWLINE]agent: are you planning to apply?[NEWLINE]user: Yes, I want to apply.[NEWLINE]agent: So, You tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: How can I sign up for Direct Deposit?[NEWLINE]agent: You can sign up starting or changing Direct Deposit online Social Security benefits only.[NEWLINE][BOUNDARY][NEWLINE]user: Should I have a bank account?


user: Hello, I wonder what happens if I am already receiving help?[NEWLINE]agent: If you already receive the help, you can register in the Direct Deposit.[NEWLINE]user: I already receive SSI, what is the process?[NEWLINE]agent: You can primarily sign up for Direct Deposit using.[NEWLINE][BOUNDARY][NEWLINE]user: What if the benefit is not received?[NEWLINE]agent: If you do not receive SSI but are planning to apply, follow the respective steps.[NEWLINE]user: Can you expand this information more?[NEWLINE]agent: It is important to have an account.[NEWLINE]user: Sure, what else is there to know.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is the Direct Express card?


user: I need some information about getting my Social Security direct deposited in my account.[NEWLINE]agent: Do you receive SSI benefits and have a bank account?[NEWLINE]user: Yes to both.[NEWLINE]agent: You can sign up for Direct Deposit by doing one of the following:- starting or changing Direct Deposit online Social Security benefits only- contacting your bank, credit union or savings and loan association- calling Social Security toll-free at 1-800-772-1213[NEWLINE]user: What if I have a credit union instead?[NEWLINE]agent: Yes it is possible to sign up through them.[NEWLINE]user: I've chosen an account type, what do I do next?[NEWLINE]agent: Let a representative at your financial institution know that you are interested in signing up to receive your benefits by Direct Deposit.[NEWLINE]user: Yeah, what if I need a bank account?[NEWLINE]agent: You must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE]user: Is there a number I can call for the card?


user: Hi, what if I am not currently receiving aid?[NEWLINE]agent: If you do not get the benefits, you can apply for such a plan.[NEWLINE]user: What are the steps to apply?[NEWLINE]agent: It is important that you inform the Social Security representative.[NEWLINE][BOUNDARY][NEWLINE]user: What level of difficulty does it present when registering on the card?[NEWLINE]agent: It is fast and easy, you can also call 1 - 800 - 333 - 1795 to facilitate the process.[NEWLINE][BOUNDARY][NEWLINE]user: Do I have to have an account?[NEWLINE]agent: It is important that you carry your checkbook or a copy of your bank statement.[NEWLINE][BOUNDARY][NEWLINE]user: I wonder if I have to have an account before I can register?[NEWLINE]agent: Of course, in addition to being able to register for Direct Deposit.[NEWLINE]user: What benefits does the Direct Express card have?


user: for Direct Deposit of Social Security how can I do if I am already receiving benefits?[NEWLINE]agent: Are you sure you already receive Social Security or SSI benefits and have a bank account?[NEWLINE]user: yes i have everything[NEWLINE]agent: You can enroll in Direct Deposit using three types of process[NEWLINE]user: When I decide which account is right for me, what should I do?[NEWLINE]agent: You must inform the representative of the financial institution that you are interested in registering to receive your benefits through Direct Deposit.[NEWLINE]user: What is the first deposit registration process?[NEWLINE]agent: you must start or change Social Security benefits online direct deposit only[NEWLINE]user: and in case of not having an account?[NEWLINE]agent: In that case you must open an account before you can register for Direct Deposit. You should compare prices in your area to find an account that has the features you want at a price you can afford.[NEWLINE][BOUNDARY][NEWLINE]user: If I don't have Social Security benefits yet but I'm planning to apply, what should I do?


user: I'm not currently receiving benefits, but am looking for information about the direct deposit process. Can you answer me a few questions, please?[NEWLINE]agent: Of course. So you don't get Social Security or SSI benefits yet but are planning to apply?[NEWLINE]user: No, I'm just looking for information.[NEWLINE]agent: Alright. Do you already have an account?[NEWLINE]user: No, I don't have one and I don't need it.[NEWLINE][BOUNDARY][NEWLINE]user: Is an account needed to sign up for direct deposit?[NEWLINE]agent: Correct, you must open an account before you can sign up for Direct Deposit. You should shop around in your area to find an account that has the features you want at a price you can afford.[NEWLINE]user: What if i have gotten such an account?[NEWLINE]agent: Then you should let the representative at the financial institution know that you are interested in signing up to receive your benefits by Direct Deposit.[NEWLINE]user: That seems simple. What can you tell me about the Direct Express card?


user: Hello, I would like to know what I do if I am already receiving social security benefits[NEWLINE]agent: already receive Social Security or SSI benefits and have a bank account?[NEWLINE]user: yes[NEWLINE]agent: Have you already changed your Social Security online direct deposit benefits?[NEWLINE]user: no[NEWLINE]agent: Have you contacted your bank, credit union, or savings and loan association?[NEWLINE]user: yes[NEWLINE]user: and the Direct Express debit card works for me if I don't have an account?[NEWLINE]agent: The Direct Express card is a debit card that you can use to access your benefits. And you don't need a bank account[NEWLINE]user: If I don't have an account?[NEWLINE]agent: You must open an account before you can sign up for Direct Deposit. You should compare prices in your area to find an account that has the features you want at a price you can afford.[NEWLINE][BOUNDARY][NEWLINE]user: If you still do not receive Social Security or SSI benefits, what should I do?


user: How can I enroll in direct deposit if I am already receiving benefits[NEWLINE]agent: already receive Social Security or SSI benefits and have a bank account?[NEWLINE]user: yes[NEWLINE]agent: Are you changing Social Security benefits online from direct deposit only?[NEWLINE]user: yes[NEWLINE]user: And how is it done in the event that someone does not have an account?[NEWLINE]agent: You must open an account before you can sign up for Direct Deposit. You should compare prices in your area to find an account that has the features you want at a price you can afford.[NEWLINE][BOUNDARY][NEWLINE]user: What if I still don't receive benefits?[NEWLINE]agent: You still don't get Social Security or SSI benefits but are you planning to apply?[NEWLINE]user: no[NEWLINE]agent: Do you already have an account?[NEWLINE]user: yes


user: Yes i am already getting benefits[NEWLINE]agent: you already receive Social Security or SSI benefits and you have a bank account?[NEWLINE]user: not[NEWLINE]user: When do you decide which account is right for me?[NEWLINE]agent: let the representative at the financial institution know that you are interested in signing up to receive your benefits by Direct Deposit[NEWLINE]user: you can sign up for Direct Deposit?[NEWLINE]agent: yes, starting or changing Direct Deposit online Social Security benefits only[NEWLINE][BOUNDARY][NEWLINE]user: I am currently not receiving benefits[NEWLINE]agent:  you don t get Social Security or SSI benefits yet but are planning to apply?[NEWLINE]user: yes


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][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][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: What if I have only one medicare prescription drug coverage?[NEWLINE]agent: Then you'll pay an income-related monthly adjustment amount only on the benefit you have.[NEWLINE][BOUNDARY][NEWLINE]user: What if my income has gone down?[NEWLINE]agent: Has your income gone down due to any of the following situations, and does the change make a difference in the income level we consider?[NEWLINE]user: Yes, definitely.


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: What if I earn a lot less now? I mean, my income has significantly dropped due to the current crisis.[NEWLINE]agent: In that case you should 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: I'll put that on my list. So what should I do if I have a limited income?


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: What about my monthly medicare premiums for 2020 if I'm single and filed an individual tax return?[NEWLINE]agent: Then the chart on our website applies to you.[NEWLINE][BOUNDARY][NEWLINE]user: If I give you current tax information, can you update your records?[NEWLINE]agent: Yes, we'll update our records.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if you determine that I'm a higher-income beneficiary?


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][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][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]user: I think I would like to apply for prescription drug coverage, how is that done?[NEWLINE]agent: Please visit the Medicare website or call 1 - 800-MEDICARE 1 - 800 - 633 - 4227. Your State Health Insurance Counseling and Assistance Program SHIP also can help answer your Medicare questions.[NEWLINE]user: Do the SHIP people have answers for me?


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: What if I disagree with the decision you made about my adjustments?[NEWLINE]agent: You always have the right to appeal and the quickest and easiest way to file an appeal of your decision online.[NEWLINE]user: Do I need to file an appeal if I am requesting a new decision?


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][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: What if a separate tax return was filed if you ever lived with a person?


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: What does establishing the monthly adjustment amount consist of?[NEWLINE]agent: It consists of establishing the additional amount by adjusting the monthly income.[NEWLINE][BOUNDARY][NEWLINE]user: What if a federal tax return was filed?[NEWLINE]agent: You must submit a signed copy of the statement.[NEWLINE][BOUNDARY][NEWLINE]user: What would happen if you modified your tax return?


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][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][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][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][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: Finally we are making some progress. And what if I filed federal income tax return for the year in question?


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][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][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: where can I get more information?[NEWLINE]agent: For more information about income-related monthly adjustment amounts or to apply for Medicare Part A or B,[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: What do I do if I do not agree with a decision that you make?[NEWLINE]agent: disagree with our decision about your monthly income adjustment amounts?


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][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]user: Is it possible to change my Direct Deposit information?[NEWLINE]agent: Yes you can change your information for Direct Deposit.[NEWLINE]user: How do I go about changing my information for Direct Deposit?[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]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]user: Does this mean I can sign up for direct deposit there, too?[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]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]user: What if I don't have an account?[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]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: Can I also sign up directly with 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 if I didn't have an account?[NEWLINE]agent: In that case you would have to 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: And what if I didn't already receive social security and wanted to apply?[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][BOUNDARY][NEWLINE]user: What if I have found a bank account that is right for me?


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]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: Well, of course. That's only logical. So 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]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][BOUNDARY][NEWLINE]user: Great. I already have a bank account, as stated. What do I need to consider when applying?[NEWLINE]agent: Make sure to have your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: What next step should I take then if I have the account that is required?[NEWLINE]agent: In that case 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 makes sense. And how do I sign up for a direct express card?


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]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: Is it wise to let the representative at my financial institution know ahead of time that I will receive benefits by Direct Deposit?[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]user: What is the Direct Express debit card?[NEWLINE]agent: It is an option for receiving your benefits.[NEWLINE]user: 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][BOUNDARY][NEWLINE]user: In the event that you do not get the benefits but want to apply what should I do?[NEWLINE]agent: It is important that you seek the Social Security representative when applying for the benefits you want to enroll in Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: You can further expand that information.[NEWLINE]agent: It is important to seek more information with your management agent.[NEWLINE]user: What if you don't have an account?


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]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: Ah, so that's how it works. And I can sign up by contacting my bank you said?[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?