user: How do I apply online?[NEWLINE]agent: YOu can apply online if you meet the criteria[NEWLINE]user: Oh I do not meet them[NEWLINE]agent: Doyou agree to the terms of service?[NEWLINE]user: No i dont[NEWLINE]agent: You will need to agree to the terms of service to apply[NEWLINE]user: Oh okay I understand, thankyou[NEWLINE][BOUNDARY][NEWLINE]user: Can I get an estimate on how much I will get?[NEWLINE]agent: use one of our benefit calculators to estimate your future retirement, disability, and survivors benefits[NEWLINE]user: Where can  find the online tools?[NEWLINE]agent: Use one of our benefit calculators to help you plan to[NEWLINE][BOUNDARY][NEWLINE]user: Can survivers get benefits?


user: Can I apply for benefits online?[NEWLINE]agent: Are you applying for retirement, disability or Medicare.[NEWLINE]user: No, retirement.[NEWLINE]agent: Has it told you your request was unable to be processed?[NEWLINE]user: Yes, it errored out.[NEWLINE]agent: Then you will receive information on who to contact or how to schedule an appointment.[NEWLINE]user: Is there a website I can go to for help?[NEWLINE]agent: Yes, go to this site.[NEWLINE][BOUNDARY][NEWLINE]user: What about spousal benefits?[NEWLINE]agent: If you are the spouse of a retired worker, you may still qualify.[NEWLINE][BOUNDARY][NEWLINE]user: If  a spouse didn't work very long, can his family still get benefits?[NEWLINE]agent: Yes, there may be enough work credits to be eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Is there an online tool I can use to figure out what my benefits would be?


user: how do I apply for benefits[NEWLINE]agent: Apply for benefits online f you want to apply for retirement benefits, disability benefits, or just Medicare[NEWLINE]user: How do I complet an online application?[NEWLINE]agent: f we are not able to process you request  you cant complete your application online[NEWLINE]user: What do I do if you are not able to process my online request?[NEWLINE]agent: you will receive specific information on how to contact us by phone or schedule an appointment[NEWLINE][BOUNDARY][NEWLINE]user: What information is there for surivvors benefits?[NEWLINE]agent: Use our Survivors Planner to learn  how your family members are protected[NEWLINE][BOUNDARY][NEWLINE]user: Can I do this online?[NEWLINE]agent: you can complete your application online[NEWLINE][BOUNDARY][NEWLINE]user: What about spouse benefits?


user: Where exactly do I apply?[NEWLINE]agent: Apply For Benefits Onliner If you want to apply for retirement benefits, disability benefits, or just Medicare and you meet certain criteria[NEWLINE]user: That does not apply to me[NEWLINE]agent: ok that is fine, If you want to apply for retirement benefits, disability benefits, or just Medicare and you meet certain criteria[NEWLINE]user: can I complete it online?[NEWLINE]agent:  If you want to apply for retirement benefits, disability benefits, or just Medicare and you meet certain criteria you can complete your application online[NEWLINE]user: yes[NEWLINE]agent: Oh okay no problem[NEWLINE][BOUNDARY][NEWLINE]user: Does my spouse get benefits?[NEWLINE]agent:  Even if you never worked under Social Security,s you may still qualify for benefits if you are the[NEWLINE][BOUNDARY][NEWLINE]user: How can I get benefits


user: Hi, do I need information regarding Survivor Benefits please?[NEWLINE]agent: I recommend looking at the Survivor Planner for information on the subject.[NEWLINE][BOUNDARY][NEWLINE]user: Does the spouse qualify for benefits?[NEWLINE]agent: Of course, a retired worker's spouse or divorced spouse qualify for that purpose.[NEWLINE]user: Perfect, what else should I know?[NEWLINE]agent: It is important to note that this can happen even if you have never worked under Social Security.[NEWLINE][BOUNDARY][NEWLINE]user: What would happen if you die?[NEWLINE]agent: It is important that you search for information related to the topic.[NEWLINE]user: What is the labor credits?[NEWLINE]agent: It is essential to highlight that This protection is particularly important for young families with children.[NEWLINE][BOUNDARY][NEWLINE]user: What is the maximum number of Social Security credits to qualify?


user: I wonder who benefits from Social Security?[NEWLINE]agent: It is important that such a benefit is when you retire.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: This benefit is directed at you, your spouse, and other eligible family members.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I get more information?[NEWLINE]agent: You can visit our sites to request more information.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me what is the Retirement Planner?[NEWLINE]agent: It consists of learning what is necessary to qualify for the benefit.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect, what else should I know?[NEWLINE]agent: So we recommend using the Survivor Planner.[NEWLINE][BOUNDARY][NEWLINE]user: How can I estimate the benefit?


user: Hi, who did you provide Social Security benefits to?[NEWLINE]agent: One of the things you should be clear about is being retireable.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: Social Security can provide benefits to several of your family members.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information?[NEWLINE]agent: You can visit us and look for more information on the subject.[NEWLINE][BOUNDARY][NEWLINE]user: What is the Retirement Planner?[NEWLINE]agent: It is used more mind to learn more about the subject.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the benefit calculators to qualify the benefits?[NEWLINE]agent: Sure, it's important for that purpose.[NEWLINE][BOUNDARY][NEWLINE]user: Does insurance protect my family members?


user: Is it possible for me to apply for benefits online?[NEWLINE]agent: Do you want to file for retirement benefits, disability benefits, or Medicare?[NEWLINE]user: Yes, I would like to apply for at least one of those benefits.[NEWLINE]agent: Then you can always complete your application online.[NEWLINE]user: What if you cannot process my request?[NEWLINE]agent: You would be able to contact us by phone or schedule an appointment if you cannot process your request.[NEWLINE]user: What if I am the spouse of a retired or disabled worker?[NEWLINE]agent: You should fill out your application for monthly benefits or just Medicare online within 3 months of age 62 or older and must meet certain criteria.[NEWLINE][BOUNDARY][NEWLINE]user: Would I still qualify for benefits if I never worked under Social Security?[NEWLINE]agent: Are you a spouse of a retired worker?[NEWLINE]user: Yes, I am a spouse of a retired worker.[NEWLINE]agent: Then you qualify for spouse's' benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What about survivors benefits?


user: When can Social Security provide benefits for me, my spouse, or other family members?[NEWLINE]agent: Are you planning on retiring?[NEWLINE]user: Yes, I am.[NEWLINE]agent: Do you know they can provide benefits if you become disabled?[NEWLINE]user: Yes, I know this.[NEWLINE]agent: Do you know when you die they can provide benefits?[NEWLINE]user: Yes, I do know this also.[NEWLINE]agent: Then you know that you, your spouse, and other family members of your family can get benefits from Social Security.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to estimate my retirement benefits?[NEWLINE]agent: Yes, you can use our retirement planner.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to help understand more about Social Security protection?


user: I need help with Survivors Benefits[NEWLINE]agent: You can use our Survivors Planner to learn more about benefits.[NEWLINE][BOUNDARY][NEWLINE]user: can you tell me how to apply?[NEWLINE]agent: Yes, with the Retirement Planner you can learn how and when you should apply.[NEWLINE][BOUNDARY][NEWLINE]user: can I still get benefits even though I myself was never a worker?[NEWLINE]agent: Are you the spouse or divorced spouse of a retired worker?[NEWLINE]user: my husband was retired[NEWLINE]agent: You may still qualify for benefits because of him.[NEWLINE][BOUNDARY][NEWLINE]user: do you have info on how family members can get benefits when someone dies?[NEWLINE]agent: Yes, with the Survivors Planner you can learn how family members are protected[NEWLINE][BOUNDARY][NEWLINE]user: is there a way to look at what retirement benefits someone might get?


user: Hi there. Need some info about the retirement thing, please.[NEWLINE]agent: Sure. Do you mean a Government Pension Offset?[NEWLINE]user: Yeah, yeah, that's the one.[NEWLINE]agent: Perfect.That GPO refers to a pension that you'll receive for your work but is not covered by Social Security, that would be in the case of government employment. Is that your case?[NEWLINE]user: Yeah, that's me.[NEWLINE]agent: Right. In that case, you must know that any SS benefits you may be eligible to receive on your spouse's record may be reduced.[NEWLINE][BOUNDARY][NEWLINE]user: Um, ok, didn't know that. Well, i'll deal with that. In any case, can you tell me what happens if i'm eligible for benefits and i happens to know my spouse's estimate?[NEWLINE]agent: A moment. IN that case, you'll need to find the estimated amount of the retirement benefit your spouse would be eligible to receive at full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: I see. i'll get to it asap. Say, is there a way to get a more precise estimate about the pension i could receive?[NEWLINE]agent: Sure. If you want to know a more precise estimate, do as follow: Find and enter the estimated gross monthly amount you'll receive and not covered by Social Security. Then enter it on calculator. Be aware you must use your most recent estimate to determine your future benefit.[NEWLINE][BOUNDARY][NEWLINE]user: Wow, that's a lot information to handle. It is possible for me to get more personalized help?. I was wandering about retirement before full age, for example.[NEWLINE]agent: No problem. Just look for our toll free numbers to get more help or contact your local SS office.[NEWLINE][BOUNDARY][NEWLINE]user: All right, i'll keep that on mind. Well, a last question, then. If i go under the GPO, what i need to estimate future benefits?


user: I could use some help with retirement benefits[NEWLINE]agent: Do you need help with knowing more about what Government Pension Offset is?[NEWLINE]user: no, other things[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need help to calculate your benefits if you are affected by the GPO?[NEWLINE]user: yes sir[NEWLINE]agent: Are you trying to estimate your future spouse 's, widow 's, or widower 's benefits under the GPO?[NEWLINE]user: yes I am[NEWLINE]agent: OK, you need two things :The estimated " gross " monthly amount of your pension from your government job not covered by Social Security. and, The estimated monthly amount of your Social Security benefit as a spouse, widow, or widower before the effect of GPO.[NEWLINE][BOUNDARY][NEWLINE]user: and what if my spouse already gets benefits?[NEWLINE]agent: ask them what their benefit would be if it started at their full or normal retirement age, Divide this amount in half and round down to the nearest dollar.This is your estimated spouse 's benefit if you retire at full retirement age[NEWLINE][BOUNDARY][NEWLINE]user: what happens to the benefit amounts if I retire before full retirement age?


user: I need help with the benefits planner for retirement.[NEWLINE]agent: Do you need to know about the Government Pension Offset or GPO?[NEWLINE]user: Yes I need to learn about the GPO.[NEWLINE]agent: Will you receive a pension for work not covered by Social Security such as a government employee?[NEWLINE]user: Yes, I will receive pension for work not covered by Social Security.[NEWLINE]agent: If that is the case, then any Social Security benefits you may be eligible for it will be reduced but you will still get some.[NEWLINE][BOUNDARY][NEWLINE]user: What do i need to do to estimate my future spouse's benefits under GPO?[NEWLINE]agent: You need the estimated gross monthly amount of your pension for your government job not covered by Social Security and the monthly amount of your Social Security benefit as a spouse before the effect of GPO.[NEWLINE][BOUNDARY][NEWLINE]user: Will I be eligible for Social Security retirement benefit based on my own earnings?[NEWLINE]agent: Do you have a higher benefit based on your spouse's earnings?


user: Hello. I want to ask some things about retirement benefits.[NEWLINE]agent: Well, there is the GPO option, is that what you're looking for?[NEWLINE]user: Yes, that's the one i need info about.[NEWLINE]agent: Good, Are you going to receive a pension for a work not covered by Social Security then?[NEWLINE]user: Yeah, i will.[NEWLINE]agent: Very well. Then, if you're going to receive that pension, under GPO the benefits you may be eligible to receive from your spouse record may get to be reduced.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Can you tell me if that applies equally in case i retire before full retirement age?[NEWLINE]agent: That would be correct. If you happen to retire before full age of retirement, then your benefit amount as a spouse get reduced. Of course, it has to do with your age, and in that regard, maximum reduction can hit 30 percent, at age of 62.[NEWLINE]user: Umm seems a little complicated. What can i do if i need more information?[NEWLINE]agent: You can call to any of our free toll numbers or yo can contact your nearest Social Security ofiice, for more information.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, i'll do that. Now, what can i do if in any case, i don't have access to my spouse estimates or records?[NEWLINE]agent: As with the question before this, you better call to our toll free numbers or go to your nearest SS office.[NEWLINE][BOUNDARY][NEWLINE]user: Ok last question. Is there anything that could affect my benefits as spouse?


user: I am looking to get information regarding a retirement benefits planner, where do I go to get this information?[NEWLINE]agent: Are you aware of the Government Pension Offset (GPO)?[NEWLINE]user: Yes, I have heard of this but would need more information on it[NEWLINE]agent: Will you be in receipt of a pension for work that is not covered by Social Security?[NEWLINE]user: Yes, that does apply to me[NEWLINE]agent: In this case, any benefits that you may be able to receive on your spouse's record may be reduced. This reduction is referred to as GPO[NEWLINE][BOUNDARY][NEWLINE]user: What information is required to calculate my benefits if I am affected by GPO?[NEWLINE]agent: There are two things required; we will need to know your gross monthly pension from your job that is not covered by Social Security and then the estimated monthly amount of your Social Security benefit as a spouse, widow or widower, before the effect of GPO[NEWLINE][BOUNDARY][NEWLINE]user: Where can I get further information regarding the calculation of my benefits upon retirement?[NEWLINE]agent: Are you eligible for widow's or widower's benefits, or have you no access to your spouse's estimate or records?


user: Can you tell me more about the Benefits Planner for my retirement?[NEWLINE]agent: Gladly. Would you like to know what Government Pension Offset (GPO) is?[NEWLINE]user: Yeah, that's exactly what I wanted to know![NEWLINE]agent: Great. Could you tell me if you are going to receive a pension for work not covered by Social Security?[NEWLINE]user: Yes, I believe I do.[NEWLINE]agent: Then you should know that any Social Security benefits you may be eligible to receive on your spouse's record may be reduced. This type of benefit reduction is called GPO.[NEWLINE]user: Oh, where can I get more information about that?[NEWLINE]agent: For more information, please read the "When won't my Social Security benefits be reduced?" section of our " Government Pension Offset " factsheet.[NEWLINE][BOUNDARY][NEWLINE]user: Will this also affect my benefits as a spouse somehow?[NEWLINE]agent: Yes, this will also affect your benefits as a spouse, widow, or widower.[NEWLINE][BOUNDARY][NEWLINE]user: Do I get just as much benefits as a spouse?


user: Hello there. I'm looking for information about benefits planning, specifically retirement, please?[NEWLINE]agent: Sure. Do you want to know about a Government Pension Offset?[NEWLINE]user: Yes, please. I would like to have the information.[NEWLINE]agent: This pension is for those who will receive a pension for work not covered by social security. Is that your case?[NEWLINE]user: No, now i heard the explanation, i think it's not my case.[NEWLINE][BOUNDARY][NEWLINE]user: Well, i guess i have to be sure about what i'm looking for. Anyway, another question, lets say i am eligible for a retirement benefit on my own, but i do have a benefit based on my spouse's earnings, that will have any effect on mine's?[NEWLINE]agent: Yeah, it will. If there is a higher benefit, this will also affect your benefits as a spouse, widow or wdower.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, ok. Look now, what would be my spouse's benefit if she is already receiving benefits?[NEWLINE]agent: If that's the case, you'll have to ask your spouse what its benefit would be if it started at full retirement age. Then, you'll have to divide that on half, rounding it to the nearest dollar. That would be the benefit.[NEWLINE][BOUNDARY][NEWLINE]user: And what about if i want to retire before the normal age? Would be any effect?


user: I need help with benefits.[NEWLINE]agent: What would you like to know about the Government Pension Offset?[NEWLINE]user: What is a GPO?[NEWLINE]agent: Do you have pension for work not covered by Social Security?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Then Social Security benefits from your spouse's record may need to be reduced.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a number I can call for assistance?[NEWLINE]agent: -Yes we have representatives available at 1-800-772-1213.[NEWLINE][BOUNDARY][NEWLINE]user: Can I get a better estimate on how my benefit will change?[NEWLINE]agent: Go to Calculate Your Benefits and enter the amounts for a more accurate estimate.[NEWLINE][BOUNDARY][NEWLINE]user: What if I retire early?


user: Can you help me with retirement benefits?[NEWLINE]agent: Is it for your spouse?[NEWLINE]user: No, my spouse's.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you affected by the GPO?[NEWLINE]user: Yes, I have a pension from a job not covered by Social Security.[NEWLINE]agent: Do you want to estimate your spouse's benefits?[NEWLINE]user: Not yet.[NEWLINE]user: What information do I need to do that?[NEWLINE]agent: You need your estimated gross monthly income for your pension and the estimated monthly amount of your spousal benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any exemptions to the GPO?


user: I want to know more about planning my retirement benefits.[NEWLINE]agent: well, there's the Government Pension Offset (GPO). Do you want to know about it?[NEWLINE]user: yes.[NEWLINE]agent: Will you receive a pension for work not covered by Social Security?[NEWLINE]user: I won't.[NEWLINE][BOUNDARY][NEWLINE]user: but tell me how would affect the benefits I would get from my spouse's work.[NEWLINE]agent: to calculate your benefits enter the estimated "gross" monthly amount you would get from any government pension for work not covered by Social Security in step #1 of "Calculate Your Benefits", then use your most recent estimate to determine your estimated retirement benefit based on your own earnings.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I get more information about the estimated benefit amount I would get if I retire before reaching full retirement age.[NEWLINE]agent: You can call our toll free number 1-800-772-1213. For peoñle with hearing impairments, we have available our TTY number 1-800-325-0778 or contact your local Social Security office.[NEWLINE][BOUNDARY][NEWLINE]user: What information do I need to calculate my future widow's benefits under the GPO?


user: What is the Benefits Planner for Retirement?[NEWLINE]agent: Would you like to learn about the Government Pension Offset?[NEWLINE]user: Yes, could you please tell me about it.[NEWLINE]agent: Will you receive a pension for work not covered by Social Security?[NEWLINE]user: Yes, I would receive a pension not covered by Social Security?[NEWLINE]agent: That is ok but any Social Security benefits you would receive on your spouses record could be lowered.[NEWLINE][BOUNDARY][NEWLINE]user: Can I find out if I would be eligible for spouse's benefits and have access to your spouses estimate?[NEWLINE]agent: Do you know you can find the estimated amount of the retirement benefit your spouse would be eligible for at full retirement age?[NEWLINE]user: No, I did not know that.[NEWLINE]agent: Do you know you can divide your spouses benefit in half and round to the nearest dollar?[NEWLINE]user: No, I did not know I could do that to get an estimate.[NEWLINE][BOUNDARY]


user: Good morning. I'm looking to clear out some doubts about the benefit planner?[NEWLINE]agent: No problem, I assume that you know what a Government Pension Offset is?[NEWLINE]user: No, i don't have the minimal idea about what that is.[NEWLINE][BOUNDARY][NEWLINE]agent: It's a kind of reduction on your spousal benefits. If you are eligible for that, you may need to know hoe to calculate your benefits under that figure, Do you want to know information for that?[NEWLINE]user: No, I don't think I need it right now.[NEWLINE][BOUNDARY][NEWLINE]agent: O.K., even so, you could try to get some estimate. Do you have access to your spouse's estimate?[NEWLINE]user: Yeah, I have access to that information.[NEWLINE]agent: O.k, that's good. Could you locate the estimated amount of the retirement benefit your spouse would be eligible to receive at full retirement age?[NEWLINE]user: No, sorry, I don't think I'm able to find that.[NEWLINE]agent: I understand, Then I assume that you couldn't be able to make a simple divide and round operation then, right?[NEWLINE]user: No, certainly not.[NEWLINE][BOUNDARY]


user: benefits help[NEWLINE]agent: Do you want to know what Government Pension Offset is?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Did you want to know what Information You Need to Calculate Your Benefits If You Are Affected by the GPO?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]agent: Are you eligible for spouse's benefits and have access to your spouse's estimate?[NEWLINE]user: yes[NEWLINE]agent: Did you want to find the estimated amount of the retirement benefit your spouse would be eligible to receive at full retirement age?[NEWLINE]user: no[NEWLINE]agent: Do you know how to get an estimate of your spouse's benefits by dividing and rounding down?[NEWLINE]user: yes[NEWLINE][BOUNDARY][NEWLINE]agent: You will need to know the estimated monthly amount of your Social Security benefit as a spouse, widow, or widower before the effect of GPO to estimate the benefits[NEWLINE][BOUNDARY][NEWLINE]user: what will I need to get a more accurate estimate of how my government pension will affect my our benefits?


user: Hi, I need help with a retirement benefits planner.[NEWLINE]agent: Are you aware of the Government Pension Offset?[NEWLINE]user: No, I don't know anything about the Government Pension Offset.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need information on how to calculate your benefits if you are affected by the Government Pension Offset?[NEWLINE]user: No, I don't think so.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like information about if you will be eligible for the spouse's benefits?[NEWLINE]user: Yes that would be helpful to know about.[NEWLINE]agent: Do you need to find the estimated amount of retirement benefit that your spouse would be eligible to receive at full retirement age?[NEWLINE]user: No, I already know the estimated amount.[NEWLINE]agent: Ok, great. Now do you know that you have to divide this amount in half and round down to the nearest dollar?[NEWLINE]user: Oh! Well I didn't know that, so that is really good to know.[NEWLINE][BOUNDARY][NEWLINE]agent: Also, to get your estimate you will need the estimated monthly amount of your Social Security benefit as a spouse before the effect of the Government Pension Offset.[NEWLINE][BOUNDARY][NEWLINE]user: Now, lets say that I retire before my full retirement age, how will my benefit amount respond and was the reduction based on?


user: I just wanted to look into the retirement benefits planner and GPO[NEWLINE]agent: Would you like to know more about Government Pension Offset?[NEWLINE]user: yes I would[NEWLINE]agent: Will you receive a pension for work not covered by Social Security such as government employment?[NEWLINE]user: yes[NEWLINE]agent: Any Social Security benefits you may be eligible to receive on your spouse's record may be reduced. This type of benefit reduction is called Government Pension Offset[NEWLINE][BOUNDARY][NEWLINE]user: how can I use the planner?[NEWLINE]agent: Did you want to find the estimated amount of the retirement benefit your spouse would be eligible to receive at full retirement age?[NEWLINE]user: no just wanted to use it[NEWLINE]agent: Did you want to know how to calculate your estimated spouse's benefit if you retire at full retirement age?[NEWLINE]user: no I don't know the numbers I would have to put in yet[NEWLINE][BOUNDARY]


user: What should I consider when planning for SS retirement[NEWLINE]agent: Things to consider would be the best age to start your benefits[NEWLINE]user: What is the best age to start?[NEWLINE][BOUNDARY][NEWLINE]user: If you spouse or minor or disabled children will also gaulify for benefits from your record. The value of their benefits added to your own may help you decide if taking you benefits sooner is your best choice[NEWLINE]agent: This is N/A to me[NEWLINE][BOUNDARY][NEWLINE]user: I am married and my spouse is employed[NEWLINE]agent: You may be able to switch to their health insurance[NEWLINE]user: When should I think about retirement?[NEWLINE]agent: It is best to plan for the long term[NEWLINE][BOUNDARY][NEWLINE]user: What about my spouse?


user: What things should I consider when palnning for retirement[NEWLINE]agent: Considering what age to start your benefits is something to think about[NEWLINE]user: What age would be the best age?[NEWLINE][BOUNDARY][NEWLINE]user: It's best to delay receiving your retirement benefits until your full reitrement age or later[NEWLINE]agent: your retirement benefits will be higher[NEWLINE][BOUNDARY][NEWLINE]user: But when should I start?[NEWLINE]agent: There is no best age for everyone - you should make your decision based on your individual family circumstances[NEWLINE]user: What if I plan to continue working[NEWLINE]agent: There are limits on how much you can earn each year between the age of 62 and full retirement and stil get all your benefits[NEWLINE]user: The are limits on how much one can earn?


user: What other things should I condisder when planning for reitirement[NEWLINE]agent: Some other things to consider is what the best age is to start your benefits[NEWLINE]user: How do I know what the best age is?[NEWLINE]user: I come from a long-lived family[NEWLINE]agent: you may need the extra money more in later years particularly if you may outlive your pensions or annuties[NEWLINE][BOUNDARY][NEWLINE]user: Should I apply for medicare if I start my benefits?[NEWLINE]agent: Before full retirement age?[NEWLINE]user: What happens if I delay?[NEWLINE]agent: You may have additional options[NEWLINE][BOUNDARY][NEWLINE]user: What decisions should I make about what the best age to apply for benefits is?[NEWLINE]agent: Ultimately it is your choice. You should make a decision when to apply based on your individual and family circumstances.[NEWLINE]user: What about the long term?


user: How will I know if I should apply for Medicare?[NEWLINE]agent: You should apply if you are age 65.[NEWLINE]agent: Do you plan to delay your benefits when you are 65?[NEWLINE]user: That is the question I need to ask because I think I want to.[NEWLINE]agent: Since you want to delay your Medicare benefits then you need to contact Social Security about 3 months before you turn 65.[NEWLINE]user: What happens if I forgot to sign up for Medicare?[NEWLINE]agent: All you need to do is read the general and special enrollment period on page 12 of the Medicare booklet and also your Medicare coverage could be delayed and cost more.[NEWLINE]user: Do I still need to sign up for Medicare if I all ready have coverage through an employer?[NEWLINE]agent: Yes, you still should check to see whether you need to sign up for Medicare because some health insurance plans change at age 65.[NEWLINE]user: Will other family members or minor children qualify for benefits under my record?[NEWLINE]agent: Actually, the value of their benefits added to your own will help you decide if taking your benefits sooner is your best choice.[NEWLINE]user: What if something like an accident occurred?


user: what other things are there to consider when planning for SS retirement?[NEWLINE]agent: Consider what the best age is to start your benefits[NEWLINE]user: What is the best age?[NEWLINE]user: Are you at full retirement age?[NEWLINE]agent: After you reach full retirement age, we recalculate your benefit amount to give you credit for any months in which you did not receive a benefit because of your earnings.[NEWLINE]user: I'm sorry I asked what is the best age[NEWLINE]agent:  There is no one best age for everyone, Decisions about when to apply for benefits is based on your individual and family circumstances.[NEWLINE]user: How can I figure out my inividual choices?[NEWLINE]agent: You need to make these decisions on your own as applies to your circumstances.[NEWLINE]user: What about my earnings?[NEWLINE]agent: When earnings appear on your record we check whether your monthly benefit with increase[NEWLINE]user: I come from a long lived family how will this affect me?


user: Hello, I would like some information about Medicare, do I qualify.[NEWLINE]agent: you certainly do if you are over the age of 65.[NEWLINE]agent: Do you plan to delay your retirement benefits?[NEWLINE]user: No I think I won't.[NEWLINE]user: What happens when my spouse files a benefit?[NEWLINE]agent: If that is the case, they will effectively be filing for all retirement or spousal benefits.[NEWLINE]user: I've read something about widow benefits, what is that?[NEWLINE]agent: f you qualify for benefits as a widow you have the option to apply for survivors benefits now and delay your retirement benefit until later.[NEWLINE]user: Can my spouse receive benefits on my record?[NEWLINE]agent: If they are of a certain age, then they must file straight away and will be effectively filing for all retirement or spousal benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a earnings limit when I reach my full retirement age?[NEWLINE]agent: No, once you reach full retirement age there is no limit on how much you can earn.[NEWLINE][BOUNDARY][NEWLINE]user: What if I die, will my spouse get full benefits?[NEWLINE]agent: After full retirement age, your surviving spouse may receive your full benefit amount plus any accumulated delayed retirement credits.[NEWLINE]user: Is there a downside to applying for Medicare later than recommended?


user: Are there things I need to consider when it comes to retirement benefits planning?[NEWLINE]agent: Yes there are. A good place to start is to figure out which age works best for you to start receiving your benefits. Have you considered that yet?[NEWLINE]user: No, I have not given much thought as to what age will work best for me. Can you provide me with assistance on this?[NEWLINE][BOUNDARY][NEWLINE]user: Are there things that can't be ruled out in regards to making decisions about your future?[NEWLINE]agent: Yes, many unforseen circumstances can occur like a car accident, so your final decision may have to be based on your "best guess."[NEWLINE]user: So anything unexpected like accidents and health problems should be taken into consideration?[NEWLINE]agent: Yes, that is correct.[NEWLINE][BOUNDARY][NEWLINE]user: Is there an age that is considered the best to start your benefits?[NEWLINE]agent: No there isn't a "one age suits all" scenario. It is ultimately up to you and your informed decision based on your individual needs and circumstances.[NEWLINE][BOUNDARY][NEWLINE]user: Is there someone I should contact if I decide to start delaying when I start my benefits?[NEWLINE]agent: Yes, you would need to contact Social Security 3 months before you turn 65 so that you can look into applying for Medicare.[NEWLINE]user: Should I still look into whether I need to sign up for Medicare if I still have health insurance through my former employer?[NEWLINE]agent: Yes, you should look into this because some health insurance plans change automatically when you turn 65.[NEWLINE][BOUNDARY][NEWLINE]user: If my earnings reach a certain amount, will I have to give up my benefits?


user: I am not sure if I should apply for Medicare.[NEWLINE]agent: I understand. It's important to consider that Medicare usually starts when you reach age 65.[NEWLINE]agent: Are you planning to delay starting your benefits?[NEWLINE]user: Yes, I was thinking about doing just that. You know, my current situation made me think a delay might be a good idea.[NEWLINE]agent: In that case be sure to contact Social Security about 3 months before you turn age 65 to check about applying for Medicare.[NEWLINE]user: What about my wife? I think she also qualifies for benefits from my record.[NEWLINE]agent: If your wife qualifies for benefits from your record, the value of her benefits, added to your own, may help you decide if taking your benefits sooner is your best choice.[NEWLINE]user: Got it, but I do have health insurance at my current job. Does this impact my Medicare plans somehow?[NEWLINE]agent: Even if you have health insurance through a current or former employer or as part of your severance package, you should still check to see whether you need to sign up for Medicare. Some health insurance plans change automatically at age 65.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. So tell me, could I also choose to get my retirement benefits earlier?[NEWLINE]agent: That is possible, you may choose to start receiving retirement benefits earlier.[NEWLINE]user: Well, I'm just thinking here. About life expectation and all. What good is retirement if I don't live to see it?


user: Do I need original documents to get a replacement social security card for a noncitizen child?[NEWLINE]agent: Yes, you will need original documents to verify their immigration status.[NEWLINE]agent: Are you able to prove your child's immigration status?[NEWLINE]user: No, I am not able to supply this information.[NEWLINE][BOUNDARY][NEWLINE]user: Can you accept photocopies of the documents?[NEWLINE]agent: No, we can only accept the original documents, no photocopies or notarized copies.[NEWLINE][BOUNDARY][NEWLINE]user: Can my child get a social security card if they don't have permission to work?[NEWLINE]agent: If they don't have permission to work, they may only apply for a card if they meet certain requirements.[NEWLINE]user: When must I present my work permit I-766?[NEWLINE]agent: You must present the work permit if you are an F-1 student.[NEWLINE]user: Can a child who does not have permission to get work still get benefits?[NEWLINE]agent: Lawfully admitted noncitzens who can't work can obtain private health insurance, apply for school lunch programs, and subsidized housing.[NEWLINE]user: What types of documentation prove immigration status?


user: Hi. I want to know what kind of documents i need for a replacement card?[NEWLINE]agent: Well, that would be to prove a immigration status, so you'll need to show your child's current U.S immigration document.[NEWLINE]agent: Are you going to prove your child's immigration status?[NEWLINE]user: Yes, i want to do it.[NEWLINE]agent: Good, then you need to have Form I-551 or Lawful Permanent Resident Card or Form I-766 EAD work permit.[NEWLINE]user: And what happens if my child doesn't have permission to work? what to do then?[NEWLINE]agent: If that's the case, then the child may apply for a SSN if a federal or local law requires for him / her to provide a SSN.[NEWLINE]user: And if my child is a Student elegible to work?[NEWLINE]agent: If he/she falls into a F-1 student status, the child must provide a letter form his/her school official identifying him/her and confirming its school status.[NEWLINE]user: What if i don't hapend to have any documents?[NEWLINE]agent: Then you can provide us other documents we ask you, of course they mus t be valid.[NEWLINE]user: And if the student goes for an CPT?


user: I need a replacement card for a child[NEWLINE]agent: IIf for a noncitizne child you can replace for free if it is lost or stolen[NEWLINE]agent: What if my chld does not have permission to work but needs a card for other reasons?[NEWLINE]user: My child does not have premission to work[NEWLINE]agent:  see " If your child does not have permission to work " for further information.s[NEWLINE][BOUNDARY][NEWLINE]user: Does my child have to have a current DHS document?[NEWLINE]agent: yes social security will ask to see your childs current DHS document[NEWLINE]user: How do I show evidence of employment?[NEWLINE]agent: Yes we need evidence such as recent pay slip or a leeter from employer and your supervisor must sign and date the letter[NEWLINE]user: How do I prove my childs U.S. immigration status?[NEWLINE]agent: We accept documents such as a lawful permanent resident card or an employment authorization document[NEWLINE]user: What if my child is a J-1 or J-2 exchange visitor


user: How do i get replacement card for a noncitizen child?[NEWLINE]agent: You can replace your child's Social Security card for free if it is lost or stolen.[NEWLINE]agent: Does your child not have permission to work but still needs a social security number for other purposes?[NEWLINE]user: My child has permission to work.[NEWLINE][BOUNDARY][NEWLINE]user: What original documents do i need to prove my child's immigration status?[NEWLINE]agent: Need to show your child's current immigation status by using lawful permanent resident card, machine readable immigrant visa or employment authorization document.[NEWLINE]user: Are you sure that is what I need to show as original documents?[NEWLINE]agent: Yes, you need to show your child's U.S. immigration document such as Lawful Permanent Resident Card or EAD.[NEWLINE]user: Can I use the non-work number to work?[NEWLINE]agent: The non-work number is for other purposes; but not for working.[NEWLINE]user: What can I use as proof of identity for social security?[NEWLINE]agent: You can always use your U.S. driver's license, state-issued non-driver identification.[NEWLINE]user: What do I need if I am an F-1 student authorized to work in curricular practical training?[NEWLINE]agent: You will have to provide us with Form I-20 with the employment page completed and signed by your designated school official.[NEWLINE]user: What documents do you need to see for children with work-authorization?


user: I need help regarding a replacement card for a non-citizen child.[NEWLINE]agent: Of course. You can replace your child 's Social Security card for free if it is lost or stolen. However, you are limited to three replacement cards in a year and 10 during a lifetime. Legal name changes and other exceptions do not count toward these limits.[NEWLINE]agent: Does your child not have permission to work but does it need a Social Security number for other purposes?[NEWLINE]user: Yes, that would be the case.[NEWLINE]agent: In that case you should see "If your child does not have permission to work" for further information.[NEWLINE][BOUNDARY][NEWLINE]user: Do you need proof of my identity?[NEWLINE]agent: Yes, we must see proof of your identity. An acceptable document must be current, not expired and show your name, identifying information date of birth or age and preferably a recent photograph.[NEWLINE]user: What documents do I need to show you?[NEWLINE]agent: You must show us your child 's current U.S. immigration document. An I-551 Lawful Permanent Resident Card, Machine Readable Immigrant Visa or an I-766 Employment Authorization Document, EAD, work permit.[NEWLINE]user: Alright, and what if I don't have one of these documents?[NEWLINE]agent: In that case we will ask to see other documents, for example an employee identification card. Any documents submitted, including the following, must be current, not expired and show your name, identifying information date of birth or age and preferably a recent photograph.[NEWLINE]user: Can I use a taxpayer identification number to work, if I have one assigned for non-work purposes?


user: I need to know what original documents that I need.[NEWLINE]agent: To prove immigration status, there are some specific documents you need.[NEWLINE]agent: Are you trying to prove your child's U.S. immigration status?[NEWLINE]user: Yes I am[NEWLINE]agent: We will need your child's current U.S. immigration document, like a I-551 Lawful Permanent Resident Card, Machine Readable Immigrant Visa, I-766 Employment Authorization Document, EAD, or a work permit.[NEWLINE]user: What if you are not a U.S. citizen?[NEWLINE]agent: Then Social Security will want to see a current DHS document like a I-551 Permanent Resident Card.[NEWLINE]user: What about taxes?[NEWLINE]agent: You can apply for an Individual Taxpayer ID number[NEWLINE]user: Can you get benefits and services without a SSN?[NEWLINE]agent: Yes, you do not need a number to conduct business with a bank, register for school, apply for educational tests, obtain private health insurance, apply for school lunch programs, or apply for subsidized houses.[NEWLINE]user: Can you use a number to work?[NEWLINE]agent: No, you can't use it to work.[NEWLINE]user: What happens if I work?


user: I have a child that is a non citizen, how doI get a replacement card?[NEWLINE]agent: You can replace your child 's Social Security card for free if it is lost or stolen[NEWLINE]agent: If your child does not have permission to work but needs a Social Security number for other purposes[NEWLINE]user: ok yes my child needs one[NEWLINE]agent: ok great!  see " If your child does not have permission to work " for further information[NEWLINE]user: Does it cost anything to replace it?[NEWLINE]agent: You can replace your child 's Social Security card for free if it is lost or stolen[NEWLINE][BOUNDARY][NEWLINE]user: What if I do not have a certain document available?[NEWLINE]agent:  we may accept the child 's State - issued non - driver 's identification card[NEWLINE]user: Will it be ok to use for work?[NEWLINE]agent: Unfortunately  you can not use it to work[NEWLINE]user: What will you use the documents for?


user: What original documents are needed?[NEWLINE]agent: We would need to have information about immigration status.[NEWLINE]agent: Do you need to know what documents needed to prove your child's U.S. immigration status?[NEWLINE]user: No, I all ready have information to prove my child's U.S. immigration status.[NEWLINE]user: What happens if I do not have the specific documents in the time period?[NEWLINE]agent: We will ask to see others documents that are not expired, have to show your name, and birth age and recent photograph.[NEWLINE]user: What do I need if child does not have permission to work?[NEWLINE]agent: Lawfully admitted noncitizens can get many benefits and services without social security numbers.  You do not need a number to conduct business with a bank, register for school, or apply for educational test.[NEWLINE]user: What happens if you are a J-1 student?[NEWLINE]agent: If you are a J-1 student you must provide a letter from your sponsor and should be on the letterhead of the sponsor with original signature that authorize employment.[NEWLINE]user: What documents do I need to show child's U.S. immigration status?


user: I need help with the online application for applying for retirement benefits[NEWLINE]agent: Select the " Apply for Retirement Benefits " button above.You ll be asked to create or sign in to your my Social Security account and then go through a series of screens that will ask you questions about yourself, your family, and your work.Fill out the online application.[NEWLINE]agent: Have you already begun the application and are you stuck on something?[NEWLINE]user: I just started and got stuck on some questions[NEWLINE]agent: If you: get stuck on a question,you can skip it and go back later.When you get to the end of the application, we 'll let you know if there are any questions you still need to answer.[NEWLINE][BOUNDARY][NEWLINE]user: and I can apply if I'm a spouse?[NEWLINE]agent: Yes, You can apply online for retirement benefits or benefits as a spouse if you :are at least 61 years and 8 months old ; Are not currently receiving benefits on your own Social Security record ; have not already applied for retirement benefits ; and want your benefits to start no more than 4 months in the future.[NEWLINE][BOUNDARY][NEWLINE]user: Where do I apply for retirement benefits if I do not live in the U.S.?[NEWLINE]agent: If you do not live in the U.S. or one of its territories you can also - Contact the nearest U.S. Social Security office, U.S. Embassy or consulate.[NEWLINE][BOUNDARY][NEWLINE]user: also, I got stuck when entering my address and I keep getting a message to fix it, what is that about?[NEWLINE]agent: You can not use a period as part of an address. If you type " 27 N. Main St. " instead of " 27 N Main St " in an address field,you will get a message when you try to go to the next page.[NEWLINE]user: and when I finish do I sign it and such?


user: How long am I able to stay on each page?[NEWLINE]agent: For security reason you are allowed to stay on the page for a short time.[NEWLINE]user: Oh, I did not know that was the reason i cannot stay on the page a long time.[NEWLINE]user: What are the limits to stay on a page?[NEWLINE]agent: A warning will come on the page at 25 minutes of not doing anything and you can extend your time.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I am done filing for retirement benefits?[NEWLINE]agent: Usually, once your application has been submitted electronically you are finished.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen after I apply for benefits?[NEWLINE]agent: When we receive your application it will be reviewed and then will contact you if need more information.[NEWLINE]user: When you have all the necessary information and documents then what happens?[NEWLINE]agent: We will process your applilcation and then send you a letter about our decision in the mail.[NEWLINE][BOUNDARY][NEWLINE]user: Am I finished once my application is submitted electronically?


user: I went on your online site regarding retirement benefits but the page keeps asking me to sign-in.[NEWLINE]agent: There is a timer on those pages for security reasons.[NEWLINE]user: Why is that?[NEWLINE]agent: As it stands, you will receive a warning after 25 minutes without doing anything and you will be able to extend your time on the page.[NEWLINE][BOUNDARY][NEWLINE]user: Well that doesn't work for me. Can I apply some other way?[NEWLINE]agent: Yes, you can also apply by calling 1 - 800 - 772 - 1213, by text telephone at TTY 1 - 800 - 325 - 0778 from 7 AM to 7 PM Monday through Friday.[NEWLINE][BOUNDARY][NEWLINE]user: After I apply can someone receive benefits on my work record?[NEWLINE]agent: We'll inform you if that is possible once your application has been processed.[NEWLINE]user: Will I be able to receive benefits on my spouse's record?[NEWLINE]agent: You will also be informed of that once your application has been processed.[NEWLINE]user: Is there a delay after I send in my application?[NEWLINE]agent: Once we receive your application it will be reviewed. After the review we will contact you if we need more information or if we need to see your documents.[NEWLINE]user: And then is it good to go?


user: Can anyone apply for retirement benefits online?[NEWLINE]agent: You can apply online for retirement benefits or benefits as a spouse.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if there is a problem with my online application?[NEWLINE]agent: You will get a message that tells you there is a problem and what actually caused it.[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to do about Medicare?[NEWLINE]agent: You can still use if you all ready have Medicare?[NEWLINE]user: No I don't have Medicare.[NEWLINE][BOUNDARY][NEWLINE]user: What other things should I think about before making my decision?[NEWLINE]agent: You need to read other things to consider for information on when to take your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a Social Security online retirement application that I can complete?


user: Why should I apply online for my retirement?[NEWLINE]agent: Using our online application has a number of benefits[NEWLINE][BOUNDARY][NEWLINE]user: What things do I need to know before I apply?[NEWLINE]agent: there are certain Social Security " basics " you should know about  Your " full retirement age " -Depending on your date of birth[NEWLINE][BOUNDARY][NEWLINE]user: What is the process after I apply?[NEWLINE]agent: we 'll review it. we will contact you if we need more information or if we need to see your documents.[NEWLINE][BOUNDARY][NEWLINE]user: If I view the pages online, is there a limit on how long i can stay on each page?[NEWLINE]agent:  For security reasons, there are time limits for viewing each page. You will receive a warning after 25 minutes without doing anything[NEWLINE]user: oh okay, thanks so much[NEWLINE][BOUNDARY][NEWLINE]user: Are there other ways to apply?


user: How do I start the online application?[NEWLINE]agent: Click on the Apply for Retirement Benefits to begin the application.[NEWLINE]agent: Are you stuck on a screen?[NEWLINE]user: Yes, I don't know the answer to some of them.[NEWLINE]agent: You can skip it and go back to it later.[NEWLINE][BOUNDARY][NEWLINE]user: How far in advance can I do the application?[NEWLINE]agent: You can apply at any time, you just won't be able to check the status until 1 month before benefits start.[NEWLINE]user: I answered all the questions, now what do I do?[NEWLINE]agent: Click on Submit Now[NEWLINE][BOUNDARY][NEWLINE]user: Is online the only way to apply?[NEWLINE]agent: You can also apply over the phone.[NEWLINE][BOUNDARY][NEWLINE]user: Can I check to see if I'm eligible under my spouse?


user: You can help me with the online retirement benefits application[NEWLINE]agent: Okay, you start by selecting the " Apply for Retirement Benefits " button. You will be asked to create an account,  or sign in to your my Social Security account. Then you'll go through a series of screens that will ask you questions about yourself, your family, and your work. You can fill out the application in one sitting or come back later.[NEWLINE]user: what if I get stuck and don't know what to enter or select?[NEWLINE]agent: If you get stuck on a question you can skip it and go back to it later. You will know at the end of the application if you still have any questions you may need to answer.[NEWLINE][BOUNDARY][NEWLINE]user: okay, and if I can't do it online can I just go in or call and do it that way?[NEWLINE]agent: Yes, you can call and apply by phone.   You can call at 1 - 800 - 772 - 1213,  or TTY 1 - 800 - 325 - 0778 from 7 AM to 7 PM Monday through Friday[NEWLINE][BOUNDARY][NEWLINE]user: but if I just do it online, do I still have to print it out and sign it then send it?[NEWLINE]agent: No, when you are done just hit " Submit Now " to finish your application. You 'll get a receipt for your online application You can print the receipt and keep for your records.[NEWLINE][BOUNDARY][NEWLINE]user: cool, and can I just take my time and do it carefully?[NEWLINE]agent: Will you be taking a very long time per page? you should know that for security reasons there are time limits for viewing each page.You will receive a warning after 25 minutes of inactivity but you can extend your time.[NEWLINE]user: No, I won't take that long per page so anything else I should look out for[NEWLINE][BOUNDARY][NEWLINE]user: Would it be better if I just go in to an office?


user: What if i all ready have Medicare?[NEWLINE]agent: Do you all ready have Medicare?[NEWLINE]user: Yes, I all ready have Medicare.[NEWLINE]agent: You can still use the application to apply for your retirement benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Can other family members receive benefits under my work record?[NEWLINE]agent: n/a[NEWLINE]user: What happens after I apply?[NEWLINE]agent: Once we get your application we will review it.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I don't have Medicare and three months within age 65?[NEWLINE]agent: You can use the application to apply for both Medicare and retirement benefits within 3 months of age 65.[NEWLINE][BOUNDARY][NEWLINE]user: What are examples i cannot do when entering my address?[NEWLINE]agent: You are not allowed to use a period as part of your address.[NEWLINE][BOUNDARY][NEWLINE]user: What if I have trouble answering questions?


user: Am I in the right place to access a benefits planner?[NEWLINE]agent: Yes, you can access your social security benefits for you, your spouse, and other eligible family members.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to apply for benefits online?[NEWLINE]agent: If you meet certain criteria, you can complete your benefits application online.[NEWLINE]user: Can I apply for retirement benefits online?[NEWLINE]agent: Yes, as long as you meet certain criteria, agree to a terms of service agreement, and create a personal social security account.[NEWLINE][BOUNDARY][NEWLINE]user: How do I estimate what benefits i'm eligible for?[NEWLINE]agent: You can use a benefit calculator provided on the site to estimate your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Are you able to get earn disability protection even at a young age?[NEWLINE]agent: Yes, young workers may have already earned disability protection.[NEWLINE][BOUNDARY][NEWLINE]user: Are spouse's eligible for benefits?


user: How can I use the benefits planner?[NEWLINE]agent: Social Security can give you, your spouse,, and other eligible family members with benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Can my spouse get benefits?[NEWLINE]agent: Your spouse or divorced spouse can get benefits under Social Security.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to estimate survivor benefits?[NEWLINE]agent: You can use one of our benefit calculators to estimate future retirement, disability, and survivors benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to apply for benefits online?[NEWLINE]agent: Do you want to apply for benefits online?[NEWLINE]user: Yes, I want to apply for benefits online.[NEWLINE]agent: You can complete your application online.  You will need to agree to terms of service and create a log in.[NEWLINE]user: What happens if you are a spouse or divorced spouse of a retired or disabled worker?


user: I would like to know more about benefits, please.[NEWLINE]agent: No problem. You can get benefits for you, your spouse or other family members, thanks to social security.[NEWLINE]user: That's when you retire, isn't?[NEWLINE]agent: Correct, although retirement is just one option. There's disability and death, too.[NEWLINE][BOUNDARY][NEWLINE]user: I see, thanks. By the way, i saw one can apply via online. But, what happens if you can't process my request?[NEWLINE]agent: If that happens, you'll receive some specific information in order to you contact us by phone or schedule an appointment.[NEWLINE]user: That's a relief. So, if a want to apply, what do i have to do?[NEWLINE]agent: Are you goig to apply for retirement, disability o medicare?[NEWLINE]user: Yeah, i want to apply for those.[NEWLINE]agent: That's easy. Just go online and complete your application. Of course, there will be certain criteria you must meet in order to get benefits. Also you'll have to agreed on the terms of service and create a personal account.[NEWLINE][BOUNDARY][NEWLINE]user: Is there any tool i can use to make calculations about the benefits?


user: Hi there, i 'm trying to get some information about the benefits, please.[NEWLINE]agent: Well, benefits are something that social security can provide for you, your spouse and other members of your family if they are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, i see. In that matter, the survivor benefits have significant importance?[NEWLINE]agent: You can be sure about that. Survivor benefits are meant to protect people in dire situations. Mostly, is a protection for young families with children, and for that every worker may have it.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, glad to know that. Now, i was told you can apply for benefits via online?[NEWLINE]agent: Yeah, you can do that. Would you apply for retirement, disability or medicare?[NEWLINE]user: Yeah, i would apply for one of those.[NEWLINE]agent: All right. Then all you'l need is to go online and complete your application. Of course, there is certain criteria to be meet, aside from agreeing on the terms of service and create an account.[NEWLINE][BOUNDARY][NEWLINE]user: Ok, thanks. Another issue, do you have any tools or assets to get a better understanding of these benefits?[NEWLINE]agent: Sure. You can use our planners in order to better understand them. Plus, you can choose a calculator to get some estimates.[NEWLINE][BOUNDARY][NEWLINE]user: Going back about survivor benefits, all young workers have access to it, isn't?[NEWLINE]agent: That's correct. As said before, is thought to be a protection for those young families in a worst case scenario.[NEWLINE][BOUNDARY][NEWLINE]user: Thanks, just wanted to be sure. Say,there is other ways to apply for benefits?[NEWLINE]agent: Sure. you can use our information page.[NEWLINE]user: Ok. Now lets suppose you can't process my request via online, what happens next?


user: Hello, can you help me with the Benefits Planner, please?[NEWLINE]agent: Of course. As you might know, Social Security can provide you, your spouse, and other eligible members of your family with benefits.[NEWLINE][BOUNDARY][NEWLINE]user: That's nice and all, but what about benefits for a spouse?[NEWLINE]agent: Well, even if you never worked under Social Security, you may still qualify for benefits if you are the spouse or divorced spouse of a retired worker.[NEWLINE][BOUNDARY][NEWLINE]user: Yes, that is my understanding. But what about retirement benefits?[NEWLINE]agent: Our Retirement Planner will show you how you qualify for Social Security retirement benefits and about possible benefits you may be eligible for on someone else's record.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. And what if I want to apply for benefits online?[NEWLINE]agent: Do you want to apply for retirement benefits, disability benefits, or Medicare?[NEWLINE]user: Yeah, for retirement benefits.[NEWLINE]agent: Then you can complete your application online. You will be asked to agree to a Terms of Service Agreement and create or log in to your personal my Social Security account.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, great. And for what are those benefit calculators?


user: I need some help with benefits planning.[NEWLINE]agent: Let me help you with that. Social Security can provide you, and certain family members, with benefits.[NEWLINE]user: What if I become disabled or die?[NEWLINE]agent: We can discuss that. By using our planners to help you better understand your Social Security protection you can plan for your financial future.[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply for benefits online?[NEWLINE]agent: Are you looking to apply for retirement benefits, disability benefits, or Medicare?[NEWLINE]user: No, I am not.[NEWLINE]agent: Then we can not process your request.[NEWLINE]user: That is too bad, how can I apply?[NEWLINE]agent: You will get specific information on how to contact us by phone or schedule an appointment.[NEWLINE]user: Does anything change if I am the spouse of a retired worker?


user: I want to see about the Benefits Planner and my Social Security[NEWLINE]agent: Social Security can provide you, your spouse, and other eligible members of your family with benefits :[NEWLINE][BOUNDARY][NEWLINE]user: that's good but can I apply online?[NEWLINE]agent: Yes, you can. If you want to apply for retirement benefits, disability benefits, or Medicare and you meet certain criteria, you can complete your application online.[NEWLINE]user: yes, that's why I'm here[NEWLINE]agent: Okay, you can do it online and you will be asked to agree to a Terms of Service Agreement and create or log in to your personal my Social Security account.[NEWLINE][BOUNDARY][NEWLINE]user: can I also look into survivors benefits?[NEWLINE]agent: Yes, you can use our Survivors Planner to learn how your family members are protected if you pass away.[NEWLINE][BOUNDARY][NEWLINE]user: and what if you can't help me online? what should I do then?[NEWLINE]agent: We can still help you if that happens. If we are not able to process your request, you will receive specific information on how to contact us by phone or schedule an appointment[NEWLINE][BOUNDARY][NEWLINE]user: sounds good,so I can find out about Social Security and retirement and other things?


user: Good afternoon, I'm looking for some information about the Benefits planner.[NEWLINE]agent: Sure. It's something available to you and other family members by Social Security in certain event or circumstances.[NEWLINE]user: I see. So, any of member under my family can be provided with those benefits?[NEWLINE]agent: That's right. Any from your spouse, to other eligible family members.[NEWLINE]user: That kind of benefits apply when i retire, isn't?[NEWLINE]agent: Correct. Plus, you can apply for those in cases when you get disabled or death occurs.[NEWLINE][BOUNDARY][NEWLINE]user: Umm, i would prefer to avoid that last one, but is good to know the criteria. Say, what can i do if i already have a significant amount of Social Security credits, allowing me to qualify?[NEWLINE]agent: If you have those, you can proceed and use our retirement estimator for a personalized estimate of your retirement benefits. The estimator is instant, and you can use different dates and ages for a better retirement date.[NEWLINE]user: And if happens that i don't have enough points? What do i do?[NEWLINE]agent: Then you can go and use one of our benefit calculator, so you can estimate your future retirement, disability or survivor benefits.[NEWLINE][BOUNDARY][NEWLINE]user: These things can be completed using the computer, right?[NEWLINE]agent: Are you goind to try it online?[NEWLINE]user: No, i'm only curious about it.[NEWLINE]agent: In any cse, you would be willing to do that process, even if we are not able to process your request?[NEWLINE]user: Sure, why not.


user: Does social security provide a benefits planner?[NEWLINE]agent: Yes, social security can provide you and other eligible family members benefits and a benefit planner.[NEWLINE][BOUNDARY][NEWLINE]user: Am I able to apply for benefits online?[NEWLINE]agent: Do you want to apply for retirement or disability benefits?[NEWLINE]user: Yes, I want to apply for disability benefits online.[NEWLINE]agent: You can complete your application online, all you need to do is agree to a Terms of Service Agreement and create or log in to your personal Social Security Account.[NEWLINE]user: Are there other places I can find more information about ways to apply?[NEWLINE]agent: Yes, there are.[NEWLINE]user: Will I be notified if you weren't able to process my request?[NEWLINE]agent: Yes, you will receive information on how to contact us to discuss it by phone or by appointment.[NEWLINE]user: As the spouse of a disabled worker, how old do I have to be to fill out a benefits application?


user: How do I plan for Benefits?[NEWLINE]agent: Social Security can provide you, your spouse, and other eligible members of your family with benefits[NEWLINE][BOUNDARY][NEWLINE]user: I need help planning for retirement benefits[NEWLINE]agent: se our Retirement Planner to find out how you qualify for Social Security retirement benefits[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply for benefits online?[NEWLINE]agent:  Yes you can apply online for retirement benefits, disability benefits, or just Medicare[NEWLINE]user: I want to apply for retirement benefits[NEWLINE]agent: You may have to contact us by phone if we are not able to process your request[NEWLINE]user: Can I go to a SS office with a scheduled appointment?[NEWLINE]agent: If we are not able to process your request, ou will receive information on how to contact us by phone or schedule an appointment[NEWLINE][BOUNDARY][NEWLINE]user: Can I get an estimate for survivors or disablity benefits?


user: Hello, can you tell me what is the Benefits Planner?[NEWLINE]agent: Can Social Security provide benefits to several of your family environment?[NEWLINE]user: Perfect, what else can you tell me?[NEWLINE]agent: It is important to note that this occurs when you retire.[NEWLINE]user: Ok, what else?[NEWLINE]agent: This benefit includes you, your spouse, and other eligible family members.[NEWLINE][BOUNDARY][NEWLINE]user: How many Social Security credits do you have to have to qualify?[NEWLINE]agent: Is it important that you use the Retirement Estimator to make the calculations?[NEWLINE][BOUNDARY][NEWLINE]user: What can you tell me about the disability benefits?[NEWLINE]agent: It is important that you use our Disability Planner to expand the information.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have enough Social Security credits to qualify?


user: Good, what is the Benefits Planner?[NEWLINE]agent: It is noteworthy that Social Security can provide benefits to several of your family.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE][BOUNDARY][NEWLINE]user: What is Disability Benefits?[NEWLINE]agent: You can review the Disability Planner to find information regarding benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: It is important to highlight that you must be retireable.[NEWLINE]user: Where can I find more information?[NEWLINE]agent: You can also qualify if you are disabled.[NEWLINE]user: What else should I know.[NEWLINE]agent: Of course also when when you die.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: The benefits cover you, your spouse, and other eligible family members.[NEWLINE][BOUNDARY][NEWLINE]user: What are the survivor benefits?


user: Are there benefit planners I could use for social security?[NEWLINE]agent: Do you need social security to provide you, your spouse, and other eligible members of your family with benefits?[NEWLINE]user: Yes, I would like benefits.[NEWLINE]agent: Are you retiring?[NEWLINE]user: Yes, I will be retiring.[NEWLINE]agent: Have you become disabled?[NEWLINE]user: Yes, I am disabled.[NEWLINE]agent: Do you know we provide benefits when you die?[NEWLINE]user: No, i did not know that.[NEWLINE]agent: Then you did not know you were eligible for family benefits.[NEWLINE]user: Can I use the planners to help understand my Social Security protection?


user: Hello, I need information on how I can Plan benefits?[NEWLINE]agent: It is noteworthy that Social Security can provide benefits to several of your relatives.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me which members of your family can get benefits?[NEWLINE]agent: That depends on your earnings record.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I find more information?[NEWLINE]agent: We will give you information related to the phone or make an appointment.[NEWLINE][BOUNDARY][NEWLINE]user: Which relatives can receive the benefit?[NEWLINE]agent: They receive when you retire.[NEWLINE]user: Perfect, what else do I need to know?


user: Hi, I need to Plan the benefits.[NEWLINE]agent: Several families of yours Social Security can provide benefits.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: Sure when you retire.[NEWLINE]user: Where can I find more information?[NEWLINE]agent: Also if you are disabled.[NEWLINE]user: what else do I need to know?[NEWLINE]agent: Also when you die.[NEWLINE]user: Where can I find more information?[NEWLINE]agent: Benefits go to you, your spouse, and other eligible family members[NEWLINE]user: How to know if you qualify?


user: Hi, do I need to plan benefits?[NEWLINE]agent: Importantly, Social Security can provide benefits to several family members.[NEWLINE]user: Where can I find more information?[NEWLINE]agent: You opt for the benefit when you retire.[NEWLINE]user: Perfect, what else do I need to know?[NEWLINE]agent: It is noteworthy that the benefits go to you, your spouse, and other eligible family members.[NEWLINE][BOUNDARY][NEWLINE]user: How can the application be made?[NEWLINE]agent: You must keep in mind the how and when.[NEWLINE][BOUNDARY][NEWLINE]user: Requirements to qualify for benefits?[NEWLINE]agent: The spouse or divorced spouse of a retired worker qualifies.[NEWLINE]user: Where can I find more information?[NEWLINE]agent: Also, if you never worked under Social Security.[NEWLINE][BOUNDARY][NEWLINE]user: How to apply for benefits online?


user: How do I apply for retirement benefits[NEWLINE]agent: Apply for retirement benefits[NEWLINE]user: What do I need to do to apply[NEWLINE]agent: Apply with the easy online application in as little as 15 minutes[NEWLINE]agent: If you prefer you can complete your application in a language other than english[NEWLINE]user: That does not apply to me[NEWLINE]agent: you can choose this option to schedule an appointment.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need to mail the application?[NEWLINE]agent: No need to mail you can use the submit now button to send your application to SS[NEWLINE][BOUNDARY][NEWLINE]user: How do I get notified of your decision?[NEWLINE]agent: We will process your application and send you a letter about our decision in the mail[NEWLINE][BOUNDARY][NEWLINE]user: Who can apply for retirement benfits online


user: How do I appy for retirement benefits?[NEWLINE]agent: Do you have a computer you can log on to SS office[NEWLINE]user: Yes can I apply online?[NEWLINE]agent: SS has an online retirement application that you can complete in as little as 15 minutes easily[NEWLINE]user: Can I complete the aplication in a language other than english?[NEWLINE]agent: The online application is currently only available in English but  you can schedule an  appointment to apply  apply for benefits in your preffered language[NEWLINE]user: Is there a specific time we can apply online?[NEWLINE]agent: You can apply at a time that is most convenient for you.[NEWLINE][BOUNDARY][NEWLINE]user: How do I use the online application?[NEWLINE]agent: Select the apply for retirement benefits button and you'll be asked to create or sign in to your my SS account and then follow the series of questions.[NEWLINE]agent: Would you like to fill out the online application now?[NEWLINE]user: Do I need to complete the application in one session?[NEWLINE]agent: If you get stuck on a question you can skip it and go back later[NEWLINE][BOUNDARY][NEWLINE]user: What if I already have medicare?


user: Can you tell me about retirement benefits?[NEWLINE]agent: Do you need to know how to apply for retirement benefits?[NEWLINE]user: Yes, I need to apply for Retirement Benefits.[NEWLINE]agent: Social Security offers to fill out the application online that only takes about 15 minutes and is very easy.[NEWLINE]user: Can i take my application in another language other than English?[NEWLINE]agent: The online application will give you the option to make an appointment to apply for benefits in your preferred language.[NEWLINE][BOUNDARY][NEWLINE]user: Can I return to a saved application later and how do I know if their are other questions for me to answer?[NEWLINE]agent: We will let you know if any other questions need to be answered and you can save your application if you need to leave it for any reason.[NEWLINE][BOUNDARY][NEWLINE]user: What languages is the application online available?[NEWLINE]agent: Currently it is only available in English online; but you can schedule an appointment to apply for benefits in your preferred language.[NEWLINE][BOUNDARY][NEWLINE]user: none


user: I need help regarding my retirement benefits.[NEWLINE]agent: Do you need help with applying for retirement benefits?[NEWLINE]user: Yes, please.[NEWLINE]agent: Social Security offers an online retirement application that you can complete in as little as 15 minutes. It's very easy.[NEWLINE]agent: Do you prefer to complete your application in a language other than English?[NEWLINE]user: No, English is fine for me. Thanks.[NEWLINE]agent: Well, the online application will give you the option to schedule an appointment to apply for benefits in your preferred language. It is currently only available in English.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have more information about Medicare?[NEWLINE]agent: If you want to know more about Medicare, visit the Medicare page to find out.[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything else I should know before applying?[NEWLINE]agent: Before you apply for retirement benefits, there are certain Social Security "basics" you should know about. For example regarding your full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: Can I use special characters when answering some of the questions?[NEWLINE]agent: Unfortunately, you may not be able to use periods, commas, and other special characters when you answer some of the questions.[NEWLINE][BOUNDARY][NEWLINE]user: What if I want to apply for benefits at a later time?


user: Hello. I hope you're doing well. I just wanted to inquire about retirement benefits.[NEWLINE]agent: Would you like to know how to apply for retirement benefits?[NEWLINE]user: Actually, yeah. Tell me more about it, please.[NEWLINE]agent: Well, Social Security offers an online retirement application that you can complete in as little as 15 minutes. It's very easy.[NEWLINE]agent: Would you prefer to complete your application in a language other than English?[NEWLINE]user: No, English would be fine.[NEWLINE][BOUNDARY][NEWLINE]user: So, like, how do I use the online application?[NEWLINE]agent: Just select the " Apply for Retirement Benefits " button above, then you will be asked to create or sign in to your my Social Security account and then you go through a series of screens that will ask you questions about yourself, your family and your work.[NEWLINE]user: If I...?[NEWLINE]agent: If you get stuck on a question, you can skip it and go back later.[NEWLINE][BOUNDARY][NEWLINE]user: What about a receipt? I need one. Will I be able to get a receipt?


user: Tell me about retirement benefits.[NEWLINE]agent: Do you want to apply for retirement benefits?[NEWLINE]user: Yes, I do.[NEWLINE]agent: Ok great. If you are interested in applying, Social Security offers an online retirement application that you can complete in as little as 15 minutes. It is very easy.[NEWLINE]agent: Do you need to complete your application in a different language other than English?[NEWLINE]user: Yes, that would be easier for me.[NEWLINE]agent: The online application is only available in English, but it does give you the option to schedule an appointment to apply for benefits in your preferred language.[NEWLINE][BOUNDARY][NEWLINE]user: How do I find out what documents I need to apply?[NEWLINE]agent: You can read our "Checklist for Online Medicare, Retirement, and Spouses Applications".[NEWLINE][BOUNDARY][NEWLINE]user: I will check that out. Can I receive benefits on another person's record?[NEWLINE]agent: We will let you know once you complete your application.[NEWLINE][BOUNDARY][NEWLINE]user: Now what if I am not currently receiving benefits on my own Social Security record?


user: I need help applying for retirement benefits.[NEWLINE]agent: Are you applying for benefits?[NEWLINE]user: Yes, I want to apply.[NEWLINE]agent: It's easy to apply online.[NEWLINE]user: What if I don't want to do it in English?[NEWLINE]agent: It will give you the option to schedule an appointment to apply in your preferred language.[NEWLINE]user: Does it take a long time to fill out?[NEWLINE]agent: No, you can finish it in as little as 15 minutes.[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply in advance for benefits?[NEWLINE]agent: Yes, you just can't check the application status until 1 month before you start getting benefits.[NEWLINE][BOUNDARY][NEWLINE]user: When you process the application?[NEWLINE]agent: A soon as we have all of your information and documents, we will process your application.[NEWLINE][BOUNDARY][NEWLINE]user: What comes next after I finish the application?


user: How do I apply for retirement benefits?[NEWLINE]agent: Apply for retirement benefits[NEWLINE]user: How do I apply?[NEWLINE]agent: with  an online retirement application that you can complete in as little as 15 minutes It 's so easy[NEWLINE]agent: Do you need to complete your application in a different language other than English?[NEWLINE]user: No need for that[NEWLINE]user: Will it really only take 15 minutes?[NEWLINE]agent: you can complete in as little as 15 minutes[NEWLINE][BOUNDARY][NEWLINE]user: What are some things I should thing about before I decide?[NEWLINE]agent: ome of the things you should think about before you decide include how long you think you will receive benefits[NEWLINE][BOUNDARY][NEWLINE]user: Should do I apply for my retirement benefits?


user: Hello, i want to know something about benefits for my divorced spouse[NEWLINE]agent: Are you divorced or remarried?[NEWLINE]user: Yeah, divorced.[NEWLINE]agent: Right. Then your spouse can qualify for benefits on your record.[NEWLINE][BOUNDARY][NEWLINE]user: What about benefits for children over 18?[NEWLINE]agent: Normally, those benefits stops when child reach 18, but if the child is a full time student, benefits can continue until he graduates or two months after reaching 19.[NEWLINE][BOUNDARY][NEWLINE]user: What can do my ex-spouse to qualify?[NEWLINE]agent: Well, need to comply with some requirements, such as been married with you for at least ten years and to be at least 62 years old.[NEWLINE][BOUNDARY][NEWLINE]user: And what about the children?[NEWLINE]agent: In the case of children, the child must be unmarried, under 18 o be 18-19 but full time student or to have a disability.[NEWLINE]user: And if is me who have the disability, my child can receive benefits too?


user: What is the maximum amount my family will receive?[NEWLINE]agent: Each family member may be eligible for up to 50 percent of your disability amount.[NEWLINE]user: What happens if the sum of the benefits payable on my account is greater than the family limit?[NEWLINE]agent: Your benefits will not be decreased, but your family members will be reduced equally.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if my spouse worked under social security?[NEWLINE]agent: Is your spouse eligible for retirement benefits on his or her own record?[NEWLINE]user: No my spouse is not eligible for retirement benefits on their own record.[NEWLINE][BOUNDARY][NEWLINE]user: When I qualify for Social Security disability benefits will be children also?[NEWLINE]agent: Yes, your children may qualify to receive benefits on your record if they are biological, adopted, or stepchild and maybe your grandchild.[NEWLINE][BOUNDARY][NEWLINE]user: If eligible on own record then we will pay that amount first only if it is a higher amount than what your benefit would be.[NEWLINE]agent: Yes that is correct that we would pay what equals the higher amount to your spouse.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen with my benefits if I am divorced?[NEWLINE]agent: Your ex-spouse may qualify for benefits on your record.[NEWLINE][BOUNDARY][NEWLINE]user: How will the sum of benefits be for my family?


user: I need to know more about spouses and social security retirement benefits and amounts paid out?[NEWLINE]agent: Is your spouse eligible for retirement benefits on his or her own record?[NEWLINE]user: yes, she is[NEWLINE]agent: If your spouse is eligible for retirement benefits on his or her own record, we will always pay that amount first. But if the spouse benefit that is payable on your record is a higher amount,he or she will get a combination of benefits that equals that higher amount.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any materials I can read about benefits and such?[NEWLINE]agent: Yes, we have publications such as : Disability Benefits,  Benefits For Children, and What You Need To Know When You Get Social Security Disability Benefits[NEWLINE][BOUNDARY][NEWLINE]user: Okay. Another question, will we be affected if my spouse gets a pension?[NEWLINE]agent: If your spouse will also receive a pension based on work not covered by Social Security, such as government or foreign work,his or her Social Security benefit on your record may be affected.[NEWLINE]user: My benefits get affected?[NEWLINE]agent: Your spouse's Social Security benefit on your record may be affected.[NEWLINE][BOUNDARY][NEWLINE]user: What about benefits for divorced ex spouses what factors decide if she qualifies on my record?[NEWLINE]agent: To qualify on your record, your ex - spouse must : have been married to you for at least 10 years ; be at least 62 years old ; be unmarried ;   and not be eligible for an equal or higher benefit on his or her own Social Security record, or on someone else 's Social Security record.[NEWLINE]user: and what about being divorced and remarried can my ex -spouse still qualify on my record?


user: Hello, can you tell me about the maximum family amount please?[NEWLINE]agent: Of course. Each family member may be eligible for a monthly benefit of up to 50 percent of your disability benefit amount. However, there is a limit to the amount we can pay your family.[NEWLINE]agent: Is the sum of the benefits payable on your account greater than the family limit?[NEWLINE]user: No, it isn't.[NEWLINE][BOUNDARY][NEWLINE]user: So, what about benefits if my spouse collects a higher Social Security benefit than me?[NEWLINE]agent: In that case the spouse benefit amount will be permanently reduced by a percentage based on the number of months until his or her full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: Oh, so if she also works under Social Security that has an effect on the benefit as well?[NEWLINE]agent: Yes, that is correct. His or her Social Security benefit on your record may be affected.[NEWLINE]user: I see. And if she didn't work under Social Security that would not be an issue, right?[NEWLINE]agent: Yes, that is correct.[NEWLINE][BOUNDARY][NEWLINE]user: And when would benefits be payable for my spouse?


user: I am looking for information regarding what benefits my children may qualify for?[NEWLINE]agent: Do you qualify for Social Security disability benefits?[NEWLINE]user: No, not at this time[NEWLINE]user: What are the requirements for my children to qualify for benefits from my Social Security record?[NEWLINE]agent: If you qualify for Social Security disability benefits, your children may also qualify for benefits. Eligible children are classified as your biological child, adopted child or stepchild. Dependent grandchildren may also qualify[NEWLINE]user: What are the rules governing when children can receive benefits under my Social Security record?[NEWLINE]agent: The first rule is that your child must be unmarried[NEWLINE][BOUNDARY][NEWLINE]user: Are there any publications that I can view regarding benefits?[NEWLINE]agent: You can view the following publications; Disability Benefits, Benefits for Children and also What You Need To Know When You Get Social Security Disability Benefits[NEWLINE][BOUNDARY][NEWLINE]user: Is there any way that a child can receive benefits after the age of 18?


user: I would like to know about benefits for my spouse.[NEWLINE]agent: You want to know when benefits are payable to your spouse?[NEWLINE]user: No I do not need that information about benefits payable to my spouse.[NEWLINE]agent: Do you know if your spouse collects a higher Social Security based on their earnings record.[NEWLINE]user: No my spouse does not have a higher earnings record.[NEWLINE]agent: Is your spouse age 62 or older?[NEWLINE]user: Yes my spouse is over age 62.[NEWLINE]user: when will my spouses benefit be reduced?[NEWLINE]agent: The spouse benefit will be reduced by a percentage based on the number of months until their full retirement age.[NEWLINE]user: So the spouses retirement benefit will be reduced until reach full retirement age?[NEWLINE]agent: Yes, your spouse's retirement benefits will be reduced by a percentage based on number of months until their full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: What will happen if the sum of the benefits is greater than the family limit?


user: Just wanting to know about benefits for my husband[NEWLINE]agent: Would you like to know when benefits are payable to your husband?[NEWLINE]user: no, I'm looking for different things[NEWLINE]agent: Would you like to know at what age the benefits are payable?[NEWLINE]user: no, trying to look for when benefits start, stop and those kinds of things. mostly just looking for info[NEWLINE]agent: Is your husband age 62 or older?[NEWLINE]user: no he is not, I want to just look for other info on benefits[NEWLINE][BOUNDARY][NEWLINE]user: Is there anything I can use to read up on benefits?[NEWLINE]agent: Yes, we have publications on topics such as Disability Benefits, Benefits For Children, What You Need To Know When You Get Social Security Disability Benefits, and others[NEWLINE][BOUNDARY][NEWLINE]user: can you tell me when benefits for our kids stop coming?[NEWLINE]agent: Yes, I can. Usually benefits stop when children reach age 18 unless they are disabled. But they will continue if the child is enrolled at a secondary or elementary school at age 18[NEWLINE][BOUNDARY][NEWLINE]user: Can we have something come up if my husband did some foreign work?


user: My wife is working under Social Security. I was wondering about what that means for my benefits.[NEWLINE]agent: Is your wife eligible for retirement benefits on her own record?[NEWLINE]user: Yes, she is.[NEWLINE]agent: In that case we will always pay that amount first, but if your wife's benefit that is payable on your record is a higher amount she will get a combination of benefits that equals that higher amount.[NEWLINE]user: Ah, now I get how it works. So if she gets a higher benefit, she'll receive an equal amount. Does that sound right?[NEWLINE]agent: Yes, that is correct.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have any publications that I can read to inform myself better?[NEWLINE]agent: Yes, we do. We have publications for Disability Benefits, Benefits For Children and What You Need To Know When You Get Social Security Disability Benefits, for example.[NEWLINE][BOUNDARY][NEWLINE]user: Splendid. By the way, are there any requirements my ex-wife has to fulfill to qualify on my record?[NEWLINE]agent: Of course. Your ex-wife must have been married to you for at least 10 years and be at least 62 years old.[NEWLINE][BOUNDARY][NEWLINE]user: And what about the benefits for my boys? They are still full-time students.


user: What info do I need to calculate my benefits when affected by GPO?[NEWLINE]agent: are you estimating your your future spouse 's, widow 's, or widower 's benefits under the GPO?[NEWLINE]user: Yes I am[NEWLINE]agent: You will need two things: The estimated " gross " monthly amount of your pension from your government job not covered by Social Security. and The estimated monthly amount of your Social Security benefit as a spouse, widow, or widower before the effect of GPO.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know what my spouse's benefit will be if I retire at full retirement age?[NEWLINE]agent: If your spouse already receives benefits  ask them what their benefit would be if it started at their full or normal retirement age. Divide this amount in half and round down to the nearest dollar.This is your estimated spouse 's benefit if you retire at full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: and how would I know how my government pension will affect my benefits?[NEWLINE]agent: To get a more accurate estimate of how the government pension you will receive for work not covered by Social Security will affect the part of your benefit based on your spouse 's work : Enter the estimated " gross " monthly amount of the government pension in today 's dollars you will receive for work not covered by Social Security in Step # 1 of " Calculate Your Benefits." Use your most recent estimate to determine your estimated retirement benefit based on your own earnings.[NEWLINE]user: will my own earnings affect whether or not I'll be eligible for a Social Security benefit?[NEWLINE]agent: We will need more info from you


user: Hello, i need information about benefit calculations under GPO, please?[NEWLINE]agent: Would you iclude your spouse or widow in the calculation?[NEWLINE]user: No i wouldn't.[NEWLINE]user: Lets say i take my spouse in account, what woud i need?[NEWLINE]agent: Well, you'll need two things[NEWLINE][BOUNDARY][NEWLINE]user: And what about[NEWLINE]agent: In that case[NEWLINE][BOUNDARY][NEWLINE]user: what about[NEWLINE]agent: please read[NEWLINE][BOUNDARY][NEWLINE]user: What about[NEWLINE]agent: You can call to our toll free number[NEWLINE][BOUNDARY][NEWLINE]user: Now, if


user: Can you help me with calculating my spouse's benefits?[NEWLINE]agent: Of course. First, find the estimated amount of the retirement benefit your spouse would be eligible to receive at full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: Will it also affect my benefits as a widow?[NEWLINE]agent: Yes, it will affect your benefits as well.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I retire before full retirement age?[NEWLINE]agent: Should you retire before full retirement age, your benefit amount as a spouse will be reduced. This reduction will vary based on your date of birth. The maximum reduction for benefits starting at age 62 is 30 percent for someone born in 1946.[NEWLINE]agent: Do you require more information about this?[NEWLINE]user: Yes, where I can I find more information?[NEWLINE]agent: For more information, please call our toll free number at 1-800-772-1213. If you are deaf or hard of hearing, call our TTY number at 1-800-325-0778 or contact your local Social Security office.[NEWLINE][BOUNDARY][NEWLINE]user: Am I eligible for a Social Security retirement benefit based on my own earnings?[NEWLINE]agent: Are you eligible for a higher benefit based on your spouse's earnings?


user: Hello and good afternoon. I was told that i would probably be eligible to receive a government pension, so i wanted to know if that could affect my eligibility for a social security retirement benefit, please?[NEWLINE]agent: Are you currently having a benefit based on your spouse's earnings?[NEWLINE]user: No, i'm not having any of that right now.[NEWLINE][BOUNDARY][NEWLINE]user: Is any other way apart from this i can get information about that?[NEWLINE]agent: Yes, no problem. You can call to any of our toll free numbers or if you like, contact directly your local Social Security office.[NEWLINE]user: Ah, i see, I have a kinda of hearing disability so, any of those numbers is useful to me in that regard?[NEWLINE]agent: Sure. For that kind of issues, you can call our TTY number. It's specifically designed for people with that kind of disability.[NEWLINE]user: Ok, i'll look into that asap. Say, if i decide to retire early, i mean before my age of retirement, woud be any effect on my benefit?[NEWLINE]agent: Well, i'm afraid it has. If you do that, the benefit amount you receive as spouse will be obviously reduced, based mainly on your date of birth. This reduction could reach up to 30 percent.[NEWLINE][BOUNDARY][NEWLINE]user: Um, that's something to think about. Hey, and how can i get a more accurate estimate on the effect of my government pension over my benefits?[NEWLINE]agent: Well, you can use the Calculate Your Benefits section and get a more accurate amount. For that, you'll need to enter your estimated gross monthly amount of the government pension and use your most recent estimate to determine your estimated retirement benefit.[NEWLINE]user: Um, looks like something heavy. Did you say i need to use my most recent estimate, isn't?


user: Hi. I am looking for help with my government pension.[NEWLINE]agent: Are you looking to caluculate your benefits or your spouse's benefits?[NEWLINE]user: No, that's not what I need.[NEWLINE][BOUNDARY][NEWLINE]user: Can I get help on learning about retirement before full retirement age?[NEWLINE]agent: Yes. If you retire before 62, your benefits will be reduced.[NEWLINE]user: By how much will it be reduced?[NEWLINE]agent: The maximum reduction at age 62 is 30%.[NEWLINE][BOUNDARY][NEWLINE]user: What do you need to help estimate the benefits?[NEWLINE]agent: You will need to submit the estimated "gross" from your pension not covered by Social Security.[NEWLINE][BOUNDARY][NEWLINE]user: Can I get a more accurate estimate?


user: How does it affect benefits if I work, too?[NEWLINE]agent: Are hour spouse's benefits higher than yours?[NEWLINE]user: Yes, his benefits are higher than mine.[NEWLINE]agent: Your benefits will affect your spousal benefits.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a number I can call to get more information?[NEWLINE]agent: Absolutely! 1 - 800 - 772 - 1213[NEWLINE][BOUNDARY][NEWLINE]user: Will my benefits be higher if we both worked?[NEWLINE]agent: It depends on whose benefits were higher.[NEWLINE]user: Does it matter if my work was not covered by Social Security?[NEWLINE]agent: Yes, if you go Calculate Your Benefits, there is a place to enter that in step 1.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I go for more information?[NEWLINE]agent: Do you have access to your spouse's records?[NEWLINE]user: I have some of the information, but will need more help.


user: Can I have more information?[NEWLINE]agent: Are you a widow or widower?[NEWLINE]user: no i am not[NEWLINE][BOUNDARY][NEWLINE]user: What is a GPO?[NEWLINE]agent: If you want to know if you meet the requirements for an exemption  please read the " When wo n't my Social Security benefits be reduced[NEWLINE][BOUNDARY][NEWLINE]user: Is there a way to calculate my benefits?[NEWLINE]agent: please call our toll free number at 1 - 800 - 772 - 1213 If you are deaf or hard of hearing, call our TTY number at 1 - 800 - 325 - 0778[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if iam exempt from the offset?[NEWLINE]agent: f you want to know if you meet the requirements for an exemption please read the " When wo n't my Social Security benefits be reduced?[NEWLINE][BOUNDARY][NEWLINE]user: I am hard hearing, is there a special number to call?[NEWLINE]agent: please call our toll free number at 1 - 800 - 772 - 1213 If you are deaf or hard of hearing, call our TTY number at 1 - 800 - 325 - 0778 or contact your local Social Security office[NEWLINE][BOUNDARY][NEWLINE]user: What is it based on?


user: How do I calculate my benefits?[NEWLINE]agent: To estimate your future spouse 's, widow 's, or widower 's benefits under the GPO  you need two things :   The estimated " gross " monthly amount of your pension from your government job not covered by Social Security.[NEWLINE]user: Is that all of the information I need?[NEWLINE]agent: you need two things :s   The estimated " gross " monthly amount of your pension from your government job not covered by Social Security The estimated monthly amount of your Social Security benefit as a spouse, widow, or widower before the effect of GPO[NEWLINE][BOUNDARY][NEWLINE]user: I do not have access to my spouses records, can you help?[NEWLINE]agent: please call our toll free number at 1 - 800 - 772 - 1213 If you are deaf or hard of hearing, call our TTY number at 1 - 800 - 325 - 0778  or contact your local Social Security office[NEWLINE][BOUNDARY][NEWLINE]user: IS anyone not eligible?[NEWLINE]agent:  Some individuals are exempt from the offset[NEWLINE][BOUNDARY][NEWLINE]user: What is it based off of?[NEWLINE]agent: If you will be eligible for a Social Security retirement benefit based on your own earnings:r   As well as a higher benefit based on your spouse 's earnings,  it will also affect your benefits as a spouse, widow, or widower.[NEWLINE][BOUNDARY][NEWLINE]user: What if i retire before retirement age?[NEWLINE]agent:  please call our toll free number at 1 - 800 - 772 - 1213 If you are deaf or hard of hearing, call our TTY number at 1 - 800 - 325 - 0778 or contact your local Social Security office[NEWLINE][BOUNDARY][NEWLINE]user: What if I spouse gets benefits?


user: Hi. I'm trying to learn about a GPO.[NEWLINE]agent: Are you looking to learn about government employment pensions?[NEWLINE]user: Yes, I'm trying to learn more about it.[NEWLINE]agent: Okay. If you are receiving benefits from your spouse's record, it may be less, and this is called a GPO.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I am eligible for Social Security?[NEWLINE]agent: There is a calculator that can help. You will need to have your estimated gross not covered by Social Security.[NEWLINE]user: Once I have that, what do I need to do?[NEWLINE]agent: You will need to entered that information to calculate your estimated retirement benefit.[NEWLINE][BOUNDARY][NEWLINE]user: Am I eligible for exemptions?[NEWLINE]agent: You can check the Government Pension Offset factsheet to find out.[NEWLINE][BOUNDARY][NEWLINE]user: What if my spouse already receives benefits?[NEWLINE]agent: First, find out if this starts at their normal retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: Will I get more money based off my spouse's earnings?


user: Can I get benefits if I retire early?[NEWLINE]agent: I will be glad to answer that for you. If you will receive a pension for work not covered by Social Security such as government employment[NEWLINE]agent: Does that make sense?[NEWLINE]user: No I am confused[NEWLINE][BOUNDARY][NEWLINE]user: How can I estimate how much my spouse and I will get?[NEWLINE]agent:  ask them what their benefit would be if it started at their full or normal retirement age[NEWLINE][BOUNDARY][NEWLINE]user: Can  I have more infomration[NEWLINE]agent: please call our toll free number at 1 - 800 - 772 - 1213 If you are deaf or hard of hearing, call our TTY number at 1 - 800 - 325 - 0778[NEWLINE][BOUNDARY][NEWLINE]user: What is Government Pension Offset (GPO)?[NEWLINE]agent:  Some individuals are exempt from the offset[NEWLINE]user: DO I receive benfits for my spouse[NEWLINE]agent: any Social Security benefits you may be eligible to receive on your spouse 's record may be reduced[NEWLINE][BOUNDARY][NEWLINE]user: What do I need to see how much i would get