Social Security Raises Many Questions from U.S. Workers

Article excerpt

Byline: William Schultz, District Manager Social Security Administration ation

Is it any wonder that Social Security gets questions from thousands of people every day? At present, more than 141 million people work in Social Security-covered employment and another 43 million receive monthly benefits. What do people want to know about Social Security? The following are some of the most frequently asked questions and answers:

Q: How do I change my address with Social Security?

A: Call Social Security (1-800-772-1213) to report your new address and new telephone number. Be sure to have your Social Security claim number handy when you call. Also, consider using direct deposit (see question three below).

Q: How much will my Social Security benefit be when I retire?

A: It depends on your average earnings over your working years. In general, Social Security benefits replace about 42 percent of the prior earnings of a person with average earnings. To find out how much your benefits will be, call Social Security at (800) 772-1213 and ask for a Personal Earnings and Benefit Estimate Statement. If you use the Internet, you can get it from

Q: How do I get my benefit check deposited directly into my checking or savings account?

A: Call Social Security's toll-free number, (800) 772-1213, to arrange the direct deposit of your benefit. You will be asked for your Social Security claim number and your account information about your financial institution (you'll find that information on a check or your bank statement).

Q: Why is my neighbor's Social Security benefit larger than mine?

A: Benefit computations are based on a person's date of birth and complete work history. It's unlikely that you and your neighbor share the same date of birth and the same work history.

Q: If I lose my Social Security card or Medicare card, how do I get a replacement card? …