I seriously think seniors should be given a handbook or something of all their possible benefits and how they should go about it once they reach the tender age of 50. I mean, it’s quite hard to keep track of it all, right? I now have the suspicion that despite their knowledge of how forgetful seniors can be, they are deliberately making us forget so we miss all the fun! Below are some answers to basic questions about your social security:

* When is the right time to file for Social Security benefits?

Anytime is the right time as long as you allow at least 3 months before you start collecting benefits. Starting age 62, seniors can file to receive benefits or wait for full retirement. However, it is important to note that the longer you wait, the higher amount you get for benefits.

* What documents do I need to prepare for filing?

You will need your social security card and other documents supporting your social security number, birth certificate and proof that you are a citizen of the United States. You may also need other documents depending on your work status and past jobs, that is, US military service papers if you have served your country before or W-2 if you are self-employed.

* I am a senior with disability, now what?

Check if you qualify for adult disability Social Security. In this case, you will need to fillup your filing form along with your adult disability report. Prepare for an interview and secure the following documents:  names and contact information of the hospital and doctors who are currently seeing you for your disability, your medical records, your health journal which includes the dates of checkups, medication prescribed etc. There will be other important documents that the social security administration may ask you to bring to support your claim.

* How much will I get from social security?

Your benefit depends on your lifetime earnings and the year you decided to file to receive Social Security benefits. There are many online calculators to help you calculate your benefits and get an estimate, so you’ll have an idea.

* Can I get my deceased spouse’s social security benefit?

Actually, yes. Even a divorced widow or widower may be eligible for their ex-spouse’s social security benefits.

* Is it okay if I don’t encash my social security checks right away?

Yes, but observe the 12-month terminus from the date issued.

* Can my partner for 10 years collect my social service benefits?

Depending on your state’s law, your partner, even if you are not bound by legal marriage, can be recognized and be eligible for survivor benefits. Please do check with the law governing your state.