Dear Savvy Senior, I plan to administer for my Social Security allowances in September. Aback can I apprehend my aboriginal check? And is absolute drop my alone advantage for accepting my annual payment? — Almost Eligible
Dear Almost, Generally, Social Security retirement allowances (as able-bodied as affliction and survivor benefits) are paid the ages afterwards they are due. So, if you administer for your Social Security allowances in September, you will acquire your September allowances in October.
The day of the ages you acquire your annual payment, however, will depend on either your bearing date or the bearing date of the being whose assignment almanac you’re accepting allowances on.
If you’re applying for allowances as a retired worker, your annual acquittal day will be bent by your own bearing date. But if you’re applying for conjugal or survivors allowances based on your spouse’s or (if you were affiliated at atomic 10 years) ex-spouse’s assignment record, your annual acquittal date will be bent by his or her bearing date.
Here’s the agenda of aback you can apprehend to acquire your annual check:
•Birth date is 1st through 10th of month: Acquittal day is added Wednesday of anniversary month.
•Birth date is 11th through 20th of month: Acquittal day is third Wednesday of anniversary month.
•Birth date is afterwards the 20th of the month: Acquittal day is fourth Wednesday of anniversary month.
There are, however, a few exceptions to this schedule. For example, if the day your Social Security analysis is declared to be deposited happens to be a holiday, your analysis will be deposited the antecedent day. And if you are accepting both Social Security allowances and Supplemental Security Income payments, your Social Security analysis will be deposited on the third day of the month.
You should additionally apperceive that Social Security beneficiaries who started accepting allowances afore 1997, their Social Security checks are paid on the third day of the month.
To get a complete agenda of 2015 acquittal dates, appointment http://www.ssa.gov/pubs/EN-05-10031-2015.pdf.
Direct drop delivery
There are two means you can acquire your Social Security allowances today. Most beneficiaries acquire absolute drop into their coffer or acclaim abutment annual because it’s simple, safe and secure.
But if you don’t like this advantage or if you don’t acquire a coffer annual that your payments can be deposited into, you can get a Absolute Express Debit MasterCard and acquire your allowances deposited into your card’s account.
This agenda can again be acclimated to get banknote from ATMs, banks or acclaim abutment tellers, pay bills online and over the phone, accomplish purchases at food or locations that acquire debit MasterCard and get banknote aback back you accomplish those purchases, and acquirement money orders at the U.S. column office.
The money you absorb or abjure is automatically deducted from your account. And you can analysis your antithesis any time by phone, online or at ATMs.
There’s additionally no amount to assurance up for the card, no annual fees and no defalcation charges. There are, however, a few baby fees for alternative casework you charge to be acquainted of, like assorted ATM withdrawals. Currently, cardholders get one chargeless ATM abandonment per month, but added annual withdrawals amount 85 cents anniversary not including a customs if you use a non-network ATM.
To apprentice added about the Absolute Express Debit MasterCard, appointment http://www.usdirectexpress.com or alarm 800-333-1795.
Send your chief questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or appointment http://www.savvysenior.org. Jim Miller is a contributor to the NBC “Today” appearance and columnist of “The Savvy Senior” book.
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