Social Security fumbles duty to help widows maximize benefits

The following is an article from the social security number lookup Reuters.

Social Security is underpaying widows and widowers - sometimes by large amounts.

In cases where widows are eligible to claim their own retirement benefits or those of a deceased spouse, the agency often fails to inform of options that would increase their payments. That is the troubling finding of a report issued last month - on Valentine’s Day, no less - by Social Security’s Office of the Inspector General (OIG).

The OIG reviewed cases of so-called dual eligible beneficiaries, and found that in 82 percent of cases, Social Security had failed to follow its own procedures for laying out options for maximizing benefits. That is bad enough - but even worse, this failure disproportionately impacts women, who tend to outlive men and face greater challenges meeting their financial needs in retirement.

Dual-eligible widows have some claiming choices that are not available via the Social Security spousal benefit. They are entitled to receive their own benefit or that of a deceased spouse, whichever is higher. But they also can make a strategic choice to take the lower amount first, and wait to switch to the higher amount later. That approach helps the higher benefit grow even more as it accrues credits for delayed filing, generally 8 percent per year, plus cost-of-living adjustments during the delay and all the ensuing years.

“You can really increase your lifetime payout by timing how you file the two claims for the two different payments,” said Andy Landis, a former Social Security Administration employee and author of “Social Security: The Inside Story,” one of the best guides to the program’s benefits. The book, recently updated with a new edition, contains a chapter on the ins and outs of survivor benefits.

The most unique feature of the widow’s benefit is that she (or he) can receive 71.5 percent of a deceased spouse’s benefit starting at age 60. If she is caring for any of their children under age 16, that amount rises to 75 percent. If she is filing at her own full retirement age, she can receive 100 percent of her spouse’s benefit. The benefit is computed using the deceased worker’s Primary Insurance Amount (PIA), which is the amount a beneficiary would receive if she files at her full retirement age for widow’s benefits (around 66). In many situations, these rules also apply to divorced surviving spouses.

An SSA representative said the agency is looking in to the problem of underpaying widows and developing a plan of action.

TWO SWITCHING STRATEGIES

Big dollars can be at stake here.

I asked Social Security Solutions, which advises individuals and financial planners on how to optimize benefits, to run a couple of scenarios illustrating how much money might be left on the table. (In both cases, no cost-of-living adjustments have been applied - they illustrate “today’s dollars” scenarios)

In the first example, Barbara is a 60-year-old widow with a $1,600 PIA. Her husband Ron passed away at 63 before claiming his benefits; his PIA is $2,000. She can claim her own reduced retirement benefit of about $1,200 at 62 and switch to the widow’s benefit of $2,000 at her full retirement age for widows.

Or, at 60, Barbara can claim a reduced widow’s benefit of $1,430 (71.5 percent of Ron’s PIA). She then waits for her own benefit to grow through delayed claiming; at 70 she claims her own benefit, which has now grown to $2,112. If she lives to age 89, Barbara will have collected $45,000 more in benefits lifetime.

In the second example, Joan is a 60-year-old widow with a PIA of $1,100. Her husband Jim died at age 63 before claiming, and his PIA is $2,000. She can claim the reduced widow’s benefit of $1,430 at age 60, but she would receive that amount for the remainder of her life since her own benefit is too small to exceed the widow’s benefit by delaying her own claim.

Instead, she claims her own benefit early at age 62, collecting $825 per month. At 66, she claims the widow’s benefit of $2,000. That yields a lifetime gain of $101,000, assuming she lives to age 89.

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“All widows or widowers need to assess two possible switching strategies to determine which is better for their situation,” said Bill Meyer, CEO of Social Security Solutions. “In some cases, it will make sense to take the survivor benefit right away at age 60, and switch to your own benefits at 70. But in other cases, it makes more sense to take your own benefit at 62 and switch to a survivor benefit at your full retirement age.”

The OIG studied a random sample of 13,564 widows and widowers who are currently receiving survivor benefits and who were dually eligible; it found that 11,123 would have been eligible to receive a higher benefit had they delayed their retirement application until age 70.5.

The report calls on the SSA to take action to correct benefit underpayments for the people it has already underpaid, and that it “remind employees” of the need to discuss delaying strategies. The OIG’s report said in an appendix that the SSA agreed with the recommendations.

Action cannot come soon enough. Widows have it hard enough without being short-changed by Social Security.

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In America, people that are citizens, permanent residents of the states, and people that are working temporarily in the US will be issued a Social Security Number. The Social Security Number (SSN) is made up of 9 numbers. These 9 numbers are used for ID purposes in many ways.

People will need to use their SSN for employment and rental applications, for opening up bank accounts, medical records, filing their taxes, and a lot more. This number is unique to them and they need to memorize it for when it is asked of them. They are also issued a card that they will want to keep in a safe place. It’s not a good idea to carry the card on their person because it can be stolen and that is why they need to find a safe place to keep it.

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Here’s How To Find Social Security Number Office Near Me
How To Find Social Security Office Near Me -Social Security Number Look Up
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Social Security fumbles duty to help widows maximize benefits

The following is an article from the social security number lookup Reuters.

Social Security is underpaying widows and widowers - sometimes by large amounts.

In cases where widows are eligible to claim their own retirement benefits or those of a deceased spouse, the agency often fails to inform of options that would increase their payments. That is the troubling finding of a report issued last month - on Valentine’s Day, no less - by Social Security’s Office of the Inspector General (OIG).

The OIG reviewed cases of so-called dual eligible beneficiaries, and found that in 82 percent of cases, Social Security had failed to follow its own procedures for laying out options for maximizing benefits. That is bad enough - but even worse, this failure disproportionately impacts women, who tend to outlive men and face greater challenges meeting their financial needs in retirement.

Dual-eligible widows have some claiming choices that are not available via the Social Security spousal benefit. They are entitled to receive their own benefit or that of a deceased spouse, whichever is higher. But they also can make a strategic choice to take the lower amount first, and wait to switch to the higher amount later. That approach helps the higher benefit grow even more as it accrues credits for delayed filing, generally 8 percent per year, plus cost-of-living adjustments during the delay and all the ensuing years.

“You can really increase your lifetime payout by timing how you file the two claims for the two different payments,” said Andy Landis, a former Social Security Administration employee and author of “Social Security: The Inside Story,” one of the best guides to the program’s benefits. The book, recently updated with a new edition, contains a chapter on the ins and outs of survivor benefits.

The most unique feature of the widow’s benefit is that she (or he) can receive 71.5 percent of a deceased spouse’s benefit starting at age 60. If she is caring for any of their children under age 16, that amount rises to 75 percent. If she is filing at her own full retirement age, she can receive 100 percent of her spouse’s benefit. The benefit is computed using the deceased worker’s Primary Insurance Amount (PIA), which is the amount a beneficiary would receive if she files at her full retirement age for widow’s benefits (around 66). In many situations, these rules also apply to divorced surviving spouses.

An SSA representative said the agency is looking in to the problem of underpaying widows and developing a plan of action.

TWO SWITCHING STRATEGIES

Big dollars can be at stake here.

I asked Social Security Solutions, which advises individuals and financial planners on how to optimize benefits, to run a couple of scenarios illustrating how much money might be left on the table. (In both cases, no cost-of-living adjustments have been applied - they illustrate “today’s dollars” scenarios)

In the first example, Barbara is a 60-year-old widow with a $1,600 PIA. Her husband Ron passed away at 63 before claiming his benefits; his PIA is $2,000. She can claim her own reduced retirement benefit of about $1,200 at 62 and switch to the widow’s benefit of $2,000 at her full retirement age for widows.

Or, at 60, Barbara can claim a reduced widow’s benefit of $1,430 (71.5 percent of Ron’s PIA). She then waits for her own benefit to grow through delayed claiming; at 70 she claims her own benefit, which has now grown to $2,112. If she lives to age 89, Barbara will have collected $45,000 more in benefits lifetime.

In the second example, Joan is a 60-year-old widow with a PIA of $1,100. Her husband Jim died at age 63 before claiming, and his PIA is $2,000. She can claim the reduced widow’s benefit of $1,430 at age 60, but she would receive that amount for the remainder of her life since her own benefit is too small to exceed the widow’s benefit by delaying her own claim.

Instead, she claims her own benefit early at age 62, collecting $825 per month. At 66, she claims the widow’s benefit of $2,000. That yields a lifetime gain of $101,000, assuming she lives to age 89.

 Find someone’s social security number Pro SSN Lookup1

“All widows or widowers need to assess two possible switching strategies to determine which is better for their situation,” said Bill Meyer, CEO of Social Security Solutions. “In some cases, it will make sense to take the survivor benefit right away at age 60, and switch to your own benefits at 70. But in other cases, it makes more sense to take your own benefit at 62 and switch to a survivor benefit at your full retirement age.”

The OIG studied a random sample of 13,564 widows and widowers who are currently receiving survivor benefits and who were dually eligible; it found that 11,123 would have been eligible to receive a higher benefit had they delayed their retirement application until age 70.5.

The report calls on the SSA to take action to correct benefit underpayments for the people it has already underpaid, and that it “remind employees” of the need to discuss delaying strategies. The OIG’s report said in an appendix that the SSA agreed with the recommendations.

Action cannot come soon enough. Widows have it hard enough without being short-changed by Social Security.

You will be redirected to PayPal to pay for the SSN Lookup Search.

Purpose of Search (required)
Child SupportLegal ProceedingsAttorneyDebt Collection1099 Filings

How To Find Someone’s Social Security Number Today?

How To Find Someone’s Social Security Number Today?

SSN Lookup With Name Address DOB

How To Find Someone’s Social Security Number? Our service will help you find someone’s ssn only knowing the name, approximate age, address. Private Investigator Lance Casey has extensive knowledge on using law enforcement databases and the internet to find information on people. Lance States “Everyone has a digital footprint. Their name, date of birth, address, social security number, telephone numbers, email addresses, current and prior employers, relatives, associates, criminal records, property ownership records, professional licenses, social media profiles, are online somewhere. Because I am a private investigator, I have access to this information on law enforcement type databases that are not available to the public.”
  • Price: $79.00

There may be a need to find someone’s Social Security Number for a variety of reasons. When a person checks with a background check company, they may not get the results that they want and they will spend a lot of money trying to do so. That is why Private Investigator Lance Casey has found a way to get people the information that they need without charging a lot of money.

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At Findsomeonessocialsecuritynumber.com, people will have the absolute trust and faith in the services that Private Investigator Lance Casey offers to them. They will be able to get someone’s social security number in a variety of ways. His exceptional background in private investigation makes him a specialist in finding people and their information. This includes their Social Security Number and a lot of other information that can be of help in many cases that it is needed. All of the work that he does is completely legal in all ways.

Here’s How To Find Social Security Number Office Near Me
How To Find Social Security Office Near Me -Social Security Number Look Up
How To Order A Social Security Number Lookup Search
I Need A Social Security Number – How To Find Social Security Office Near Me
How To Get Social Security Number And Benefits Of Your Ex-Spouse
How To Find An Address With A Social Security Number
How To Find Bank Accounts By Social Security Number
How To Find An Address Using Social Security Number
How To Find Bank Accounts By Social Security Number 2019
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This is a service that can find someone’s Social Security Number (SSN) in a short time, even if a person only has the name and approximate date of birth. This service streamlines the quick results so that it doesn’t take a long time like other services. And in some of those cases, the results are incorrect.

With Findsomeonessocialsecuritynumber.com, Private Investigator Lance Casey has made it an easy process to go through and he guarantees the results will be correct. Since his experience and knowledge are keen and he is able to do this type of work in an excellent fashion, people know that they will be able to get the information that they need and in a short time. This is a service that more and more people are using because they know that they will get the results that they need.

How To Find An Address Using Social Security Number?

An individual’s social security number is the key to getting most of their details. It can give details such as their address, driver’s license and so on. Every citizen in the US has a social security number, whether they are permanent citizens or temporary. Here is how to find an address with an SSN.

The first method is by looking for a person’s last reported address using their ssn. This address can be checked against any other documents that they may have signed for, such as leases, purchases fo property, etc. The investigator uses this information to get the most likely address. This method provides accurate data as long as the individual has not moved often over the previous 12 months before the search.

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The next option is to do a utility search. This means searching for any property that the person owns. If they have acquired property or properties using the same name then the search will be easy. This kind of search is possible only if the person uses their actual name to rent or purchase the property. If they have done it under another name or have a different living situation with someone then this will be ineffective.

Then there is the guaranteed current address search. This is a process that takes about four weeks. This involves a thorough search done by an investigator.

It is important to note that not all the searches are available to members of the public. Certain professionals are allowed to use the sites that enable them to locate an individual’s address using an ssn search. There are plenty of fraudsters who can get ahold of information like this and use it for identity theft, so it is crucial to ensure that any individual that gets access to the ssn is not a fraudster.

SSN Lookup With Name Address DOB

How To Find Someone’s Social Security Number? Our service will help you find someone’s ssn only knowing the name, approximate age, address. Private Investigator Lance Casey has extensive knowledge on using law enforcement databases and the internet to find information on people. Lance States “Everyone has a digital footprint. Their name, date of birth, address, social security number, telephone numbers, email addresses, current and prior employers, relatives, associates, criminal records, property ownership records, professional licenses, social media profiles, are online somewhere. Because I am a private investigator, I have access to this information on law enforcement type databases that are not available to the public.”
  • Price: $79.00

Here’s How To Find Social Security Number Office Near Me
How To Find Social Security Office Near Me -Social Security Number Look Up
How To Order A Social Security Number Lookup Search
I Need A Social Security Number – How To Find Social Security Office Near Me
How To Get Social Security Number And Benefits Of Your Ex-Spouse
How To Find An Address With A Social Security Number
How To Find Bank Accounts By Social Security Number
How To Find An Address Using Social Security Number
How To Find Bank Accounts By Social Security Number 2019
How To Find Out Who A Social Security Number Belongs To
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How to Find a Deceased Person’s Social Security Number Information
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How To Find Social Security Number by Name And Date Of Birth (DOB) For Free
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What is a Social Security Number Information?

SSN Lookup With Name Address DOB

How To Find Someone’s Social Security Number? Our service will help you find someone’s ssn only knowing the name, approximate age, address. Private Investigator Lance Casey has extensive knowledge on using law enforcement databases and the internet to find information on people. Lance States “Everyone has a digital footprint. Their name, date of birth, address, social security number, telephone numbers, email addresses, current and prior employers, relatives, associates, criminal records, property ownership records, professional licenses, social media profiles, are online somewhere. Because I am a private investigator, I have access to this information on law enforcement type databases that are not available to the public.”
  • Price: $79.00

Everyone has a Social Security Number. The Social Security Number or SSN is a way to identify each and every person that is a citizen of the United States of America. It is a number that is made up of 9 digits. This number is used to identify not just citizens but permanent residents and temporary work residents. Most people memorize their SSN so that they can use it for a variety of reasons.

On most job applications, an SSN number is required. A person will also have to use their SSN for bank accounts, medical records, taxes, and a lot more. This number is a way to give each person their own individual identification.

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Since an SSN is required for many applications, they may have to show the card that they are issued. Most places that require this form of identification will take a photocopy of the SSN card for their records. People do not carry their SSN card around with them but they do store it somewhere that they can find it easily when they need to show it.

Here’s How To Find Social Security Number Office Near Me
How To Find Social Security Office Near Me -Social Security Number Look Up
How To Order A Social Security Number Lookup Search
I Need A Social Security Number – How To Find Social Security Office Near Me
How To Get Social Security Number And Benefits Of Your Ex-Spouse
How To Find An Address With A Social Security Number
How To Find Bank Accounts By Social Security Number
How To Find An Address Using Social Security Number
How To Find Bank Accounts By Social Security Number 2019
How To Find Out Who A Social Security Number Belongs To
How To Find Assets with Social Security Number
How to Find a Deceased Person’s Social Security Number Information
How To Find Assets With Social Security Number
How To Find Out Who a Social Security Number Belongs To Information
How to Find a Deceased Person’s Social Security Number
How To Find Someone’s Social Security Number Information
What Is A Social Security Number
How To Find Social Security Number by Name And Date Of Birth (DOB) For Free
What is a Social Security Number Information
How To Find Someone’s Social Security Number Today

For someone that is in need of proof of someone else’s SSN, they can go to Findsomeonessocialsecuritynumber.com/. At Findsomeonessocialsecuritynumber.com/, there are a variety of ways that a person’s SSN can be found. All of the ways that this can be done from this site are completely legal.

Private Investigator Lance Casey is the owner of the site and he has experience in finding people and their information. Since people can trust the work of Private Investigator Lance Casey, they are using his site more and more to access all types of information about a person, including their SSN. The process is quick and easy so when they visit the site, they will get the results that they need in no time at all.

How To Order A Social Security Number Lookup Search?

If you were born in the United States, then it’s extremely likely that you have a social security number(SSN). And if you don’t, then you need to fix that as soon as possible. This nine-digit number is issued to all U.S. Citizens and permanent residents. It’s considered the primary and most reliable identification number for employment and tax purposes.

As you can imagine, the fact that everyone has one of these and the number is unique means that it can serve a lot of different purposes. SSN’s are often used for credit applications, job applications, apartment applications, and everything else. A lot of additional information is also attached to that number, such as their existing credit report, criminal record, and property ownership.

How To Find An SSN

Due to the sensitive nature of these numbers, most people keep them a secret. It’s not something that you want to share with strangers. However, you may have a valid reason for needing a person’s SSN. Whatever that reason may be, you should know that there are options available. The easiest way to go about finding someone’s SSN is to use our social security number lookup service.

We are a private investigation firm that utilizes legal tools, networks, and work experience to track down SSN’s for specific individuals. This may be a spouse trying to hide their past or a tenant whom you suspect is using a phoney SSN. We will take the information that you provide, determine the SSN of the person in question, and then share that information with you.

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What Is Needed?

Providing us with as much information as possible will make the search easier. We have access to law enforcement databases and records that aren’t in the public. Even so, we still need information on the client to make a connection. We require:

– Full name of the subject

– DOB or their approximate age

– Their last known address

– A permissible reason for the search (please no random or unwarranted searches)

– Your contact information

It’s as simple as that. You’ll pay a small, flat fee and we’ll return with the number as soon as possible.

SSN Lookup With Name Address DOB

How To Find Someone’s Social Security Number? Our service will help you find someone’s ssn only knowing the name, approximate age, address. Private Investigator Lance Casey has extensive knowledge on using law enforcement databases and the internet to find information on people. Lance States “Everyone has a digital footprint. Their name, date of birth, address, social security number, telephone numbers, email addresses, current and prior employers, relatives, associates, criminal records, property ownership records, professional licenses, social media profiles, are online somewhere. Because I am a private investigator, I have access to this information on law enforcement type databases that are not available to the public.”
  • Price: $79.00

Here’s How To Find Social Security Number Office Near Me
How To Find Social Security Office Near Me -Social Security Number Look Up
How To Order A Social Security Number Lookup Search
I Need A Social Security Number – How To Find Social Security Office Near Me
How To Get Social Security Number And Benefits Of Your Ex-Spouse
How To Find An Address With A Social Security Number
How To Find Bank Accounts By Social Security Number
How To Find An Address Using Social Security Number
How To Find Bank Accounts By Social Security Number 2019
How To Find Out Who A Social Security Number Belongs To
How To Find Assets with Social Security Number
How to Find a Deceased Person’s Social Security Number Information
How To Find Assets With Social Security Number
How To Find Out Who a Social Security Number Belongs To Information
How to Find a Deceased Person’s Social Security Number
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How To Find Social Security Number by Name And Date Of Birth (DOB) For Free
What is a Social Security Number Information
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Can You Buy SSN Online?

Buy SSN Online

Buy someones full name, SSN, birth date, telephone history & address history.

The SSN is a personal identifier that you can use if you need to find someone. If you want to know someone’s SSN, then there are ways to do that online quite reliably. Here’s a quick overview of some of the most common methods.

What is Robocheck?

If you want to buy SSN online, then Robocheck is one option. It is a low-cost database that lets you pull someone’s SSN, DOB and their previous addresses for just a few dollars.

What is Ssndob?

The website named ssndob[dot]ms (referred to SSNDOB) is blocked now, which was an online identity theft service operated by underground cyber crime

What is Carding?

Carding is the practice of using someone else’s card without authorization. Robocheck is not a legal database, and some criminals use purchased cards to buy SSN online via the database to maintain anonymity. Carding can be used for a variety of reasons where someone does not want to have their own details linked to an activity.

What is Fullz?

Fullz is the term used by hackers and by dark market resellers to describe a person’s package of identifying information, such as their SSN, account numbers, DOB, etc. Hackers sell packs of ‘Fullz’ to people who want to commit identity theft.

What is doxing?

Doxing or doxxing is the Internet-based practice of researching and broadcasting private or identifying information about an individual or organization. The methods employed to acquire this information include searching publicly available databases and social media websites, hacking, and social engineering. wikipedia

Do You Need to Find Someone’s SSN?

There are many legal reasons that someone may want to know a person’s SSN. For example, they may be trying to recover on a debt or a judgement, chase a person for child support, be engaged in a criminal investigation or a civil investigation, or be doing a 1099 filling, etc

Whatever the reason you are looking for a person’s details, it’s fair to say that you can find almost any information that you want online. Carding is not legal, and Robocheck is not a government-run database, so tread carefully if you use it. If you are a person who is worried about their SSN and other information being leaked then be sure to check your credit report regularly for unusual activity.

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