user: Hi, good afternoon. I'm interested into knowing what benefits may be due for me.[NEWLINE]agent: No problem. I have to ask, are you or any member of your family in a qualifying state for benefits?[NEWLINE]user: No, not right now, just asking about the topic.[NEWLINE][BOUNDARY][NEWLINE]agent: O.K. in that case, do you want me to refer some sources for further information?[NEWLINE]user: No, it's not necessary right now.[NEWLINE][BOUNDARY][NEWLINE]user: Although, in that regard, what can i use to get more information? Something like this?[NEWLINE]agent: You can use our toll free number at 1-800-772-1213. There you'll have total confidentiality.[NEWLINE][BOUNDARY][NEWLINE]user: Look, this may be a morbid question but, in the case my spouse, or ex-spouse, because i'm divorced, dies, Do i may be eligible for some benefit from you?[NEWLINE]agent: In fact, you can. If that scenario happens, you may be eligible for a higher survivor benefit based on her work. In case the deceased person is your ex-spouse, you may be eligible for a higher benefit even of you are already receiving a survivor benefit on another spouse.[NEWLINE]user: Um, i see. Say, with this kind of benefits, i suppose there's a need to report changes our lives, are we?[NEWLINE]agent: That's correct. They key on this type of benefits is the most up to date information. As such, there are certain life events that you are required to report to us. For a complete list, see reference publications.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, i'll take a look to that. Now, this number you said before, you said is toll free, right?


user: What benefits do i get?[NEWLINE]agent: Do you receive SSI?[NEWLINE]user: yes[NEWLINE]agent: Our mission is to deliver Social Security services that meet the changing needs of the public[NEWLINE]agent: Do you get benefits now?[NEWLINE]user: If you, or a family member, receive Social Security or Supplemental Security Income SSI certain life changes may affect eligibility for an increase in your federal benefits.[NEWLINE]agent: ok[NEWLINE][BOUNDARY][NEWLINE]user: How do i contact social security?[NEWLINE]agent:  Our website is a valuable resource for information about all of Social Security 's programs[NEWLINE]user: What if I am deaf?[NEWLINE]agent:  you may call our TTY number, 1 - 800 - 325 - 0778[NEWLINE][BOUNDARY][NEWLINE]user: how do I see how much i can get?


user: how do I set up direct deposit?[NEWLINE]agent: You are asking how to set up direct deposit correct?[NEWLINE]user: no[NEWLINE]agent: what if you applied for benefitsbefore that date and did not sign up for electronic payments at that time[NEWLINE]user:  we strongly urge you to do sonow[NEWLINE]agent: you have not set up direct deposit yet?[NEWLINE]user: No I have not[NEWLINE][BOUNDARY][NEWLINE]user: I still have questions where can I find more info?[NEWLINE]agent: If you have questions or need help understanding how to set up or change direct deposit online[NEWLINE]user: ok thanks[NEWLINE]agent: are you deaf or hard hearing?[NEWLINE]user: yes


user: What if a person has a security freeze on their credit report?[NEWLINE]agent: does that apply to you[NEWLINE]user: yes[NEWLINE]agent: If you have a security freeze, fraud alert, or both on your credit repor[NEWLINE]user: who reinstates it?[NEWLINE]agent:  the Identity Services Provider mayautomatically reinstate it after your temporary lift expires[NEWLINE]user: Can I get more security alerts?[NEWLINE]agent: For more information on security freezes and fraud alerts, [18] read the Federal Trade Commission s Credit Freeze FAQs.[NEWLINE][BOUNDARY][NEWLINE]user: can I share my account with someone?[NEWLINE]agent: No it can only be used by you[NEWLINE][BOUNDARY][NEWLINE]user: how do I create an account?


user: Hello. Can you tell me if I have a security freeze on my credit report?[NEWLINE]agent: Of course. Do you suspect that you have a security freeze, fraud alert, or both on your credit report then?[NEWLINE]user: Yes, I do. Let's say I have reason to believe so.[NEWLINE]agent: In that case you can still open a my Social Security account by temporarily lifting it. Contact our Identity Services Provider and request that they temporarily lift your security freeze or fraud alert. Create a my Social Security account online after lifting the security freeze or fraud alert.[NEWLINE][BOUNDARY][NEWLINE]user: That pretty much answers my question, thank you. And then I can create an account, right? What if someone else already opened an account in my stead?[NEWLINE]agent: Social Security is dedicated to protecting the information and resources entrusted to us, including your personal information and investment. You are the only one who can create your personal my Social Security account for your own exclusive use. No one can create or use an account on your behalf, even with written permission.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, ok. I probably have to verify my identity then?[NEWLINE]agent: Yes, you'll be asked to verify your identity by providing personal information about yourself and answering questions that only you are likely to know.[NEWLINE][BOUNDARY][NEWLINE]user: Is that safe?[NEWLINE]agent: Yes, it is safe. You are the only one who can create your personal my Social Security account for your own exclusive use.[NEWLINE][BOUNDARY][NEWLINE]user: And I can create such an account after lifting my security freeze, right?[NEWLINE]agent: Yes, you can create a my Social Security account online after lifting the security freeze or fraud alert.[NEWLINE][BOUNDARY][NEWLINE]user: And then I verify my identity and such, correct?


user: I need to set up direct deposit for my benefit payment[NEWLINE]agent: Can you access our online services?[NEWLINE]user: No[NEWLINE][BOUNDARY][NEWLINE]agent: Are you familiar with direct deposit?[NEWLINE]user: No[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have a free my SS account ti read about additional information related to this service?[NEWLINE]user: NO[NEWLINE][BOUNDARY][NEWLINE]agent: Do you still have questions?[NEWLINE]user: No[NEWLINE][BOUNDARY][NEWLINE]user: How do I set up direct deposit without an account?[NEWLINE]agent: Read how to Set Up or Change Direct Deposit of Benefit Payment Online[NEWLINE]user: How do I do this without access to a computer to set up an account?


user: Can you tell me about increase for delayed retirement?[NEWLINE]agent: Have you already reached full retirement age?[NEWLINE]user: yes[NEWLINE]agent: you can choose to start receiving benefits before the month you apply but  we can not pay retroactive benefits for any month before you reached full retirement age or more than 6 months in the past[NEWLINE][BOUNDARY][NEWLINE]user: when is the best time to start reitirement benefits?[NEWLINE]agent: We 're not recommending that you start at age 62, your full retirement age, age 70, or any age in between[NEWLINE]user: Can i have information for early or late retirement please[NEWLINE]agent: read  Retirement Information for Medicare Beneficiaries[NEWLINE]user: Is there additional information for other things to consider?[NEWLINE]agent: read  to Consider and Other Things[NEWLINE][BOUNDARY][NEWLINE]user: Is there a benefit increase after 70


user: Is there any additional information for delayed retirement credits?[NEWLINE]agent: yes read  What 's the best time to start your retirement benefits?[NEWLINE]user: what other addition information is there?[NEWLINE]agent: We 're not recommending that you start at age 62, your full retirement age, age 70, or any age in between.[NEWLINE]user: Where can I read on that some more?[NEWLINE]agent: You can read about increase for delayed retirement[NEWLINE]user: What about early or late retirement?[NEWLINE]agent: consider reading Retirement Information for Medicare Beneficiaries[NEWLINE][BOUNDARY][NEWLINE]user: When do I start receiving benefits?[NEWLINE]agent: ou can choose to start receiving benefits before the month you apply[NEWLINE][BOUNDARY][NEWLINE]user: What about infromation for medicare beneficiaries?


user: Is there an increase for delayed retirement?[NEWLINE]agent: Have you reached full retirement age?[NEWLINE]user: yes[NEWLINE]agent:  you can choose to start receiving benefits before the month you apply.[NEWLINE]user: What if I have not signed up?[NEWLINE]agent: n some circumstances your Medicare coverage may be delayed and cost more.[NEWLINE][BOUNDARY][NEWLINE]user: Is there additional information about early or late retirement?[NEWLINE]agent: read  Retirement Information for Medicare Beneficiaries[NEWLINE][BOUNDARY][NEWLINE]user: So if I don't sign up medicare coverage may be delayed?[NEWLINE]agent: yes n some circumstances your Medicare coverage may be delayed and cost more.[NEWLINE][BOUNDARY][NEWLINE]user: What's the best time to start retirement benefits?


user: I am thinking of delaying my retirement benefits but I have a few questions about it before I decision, can you help me please?[NEWLINE]agent: Have you already reached full retirement age?[NEWLINE]user: No I have not but will in six months time.[NEWLINE][BOUNDARY][NEWLINE]user: I need additional information about when to start my retirement benefits, can  you supply this info for me?[NEWLINE]agent: Do  you need information about when it is the best time to start your retirement benefits?[NEWLINE]user: No I don;t need info about that.[NEWLINE]agent: Are you needing information about early or late retirement?[NEWLINE]user: Yes I am not certain if it is best to start with early retirement or wait a while and start retirement at a later date.[NEWLINE]agent: I can supply you with retirement information for Medicare Beneficiaries which will help you decide what is best for you.[NEWLINE][BOUNDARY][NEWLINE]user: At what age should I sign up for Medicare?


user: Tell me about the increase for delayed retirement.[NEWLINE]agent: Have you already reached full retirement age?[NEWLINE]user: Not yet.[NEWLINE]user: Can I decide to delay my retirement?[NEWLINE]agent: You can, but be sure to sign up for just Medicare at age 65.[NEWLINE]user: when would I start receiving benefits after reaching full retirement age?[NEWLINE]agent: You can choose to start receiving the benefits from the month before you apply.[NEWLINE][BOUNDARY][NEWLINE]user: What would be the best time to start receiving my retirement benefits?[NEWLINE]agent: We do not recommend starting at age 62, your full retirement age, age 70, or any age in between.[NEWLINE]user: How could I decide?


user: I am trying to decide when I should apply for retirement benefits, I am not sure what's the best time to start. Can you please give me some additional information about this.[NEWLINE]agent: I can give you additional information but could be give me your age please?[NEWLINE]user: I am age 60 and would like additional information about retirement benefits.[NEWLINE]agent: We don't make recommendations as to when would be the best time for you to start retirement benefits, however, you can start benefits at age 62 or your full retirement age of 70 or any age in between.[NEWLINE]user: I need help deciding what is best for me, could you supply me with additional information about early or late retirement?[NEWLINE]agent: Additional information can be found in the page titled Retirement Information for Medicare Beneficiaries.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any benefits to delaying my retirement until I am 70?[NEWLINE]agent: Social Security retirement benefits are increased by a certain percentage depending on your date of birth if you delay your retirement beyond full retirement age. This benefit increase no longer applies when you reach age 70.[NEWLINE][BOUNDARY][NEWLINE]user: Is it possible to receive benefits before the month that I apply for them?[NEWLINE]agent: Yes you can, however we can not pay retroactive benefits for any month before you reach full retirement age or more than 6 months in the past.[NEWLINE]user: What will happen if I don't sign up for Medicare coverage?


user: What are delayed retirement credits?[NEWLINE]agent: Have you reached retirement age?[NEWLINE]user: Yes[NEWLINE]agent: Thank you for your response. If you 've already reached full retirement age, [6] you can choose to start receiving benefits before the month you apply[NEWLINE]user: When can I start getting benefits[NEWLINE]agent: you can choose to start receiving benefits before the month you apply[NEWLINE][BOUNDARY][NEWLINE]user: Do they evr increase?[NEWLINE]agent: Social Security retirement benefits are increased by a certain percentage depending on date of birth if you delay your retirement beyond full retirement age[NEWLINE][BOUNDARY][NEWLINE]user: Are there any additional infor mation they need?[NEWLINE]agent:  Early or Late Retirement?    Retirement Information for Medicare Beneficiaries[NEWLINE][BOUNDARY][NEWLINE]user: Can I delaye my retirement


user: Why are they delayed?[NEWLINE]agent:  in some circumstances your Medicare coverage may be delayed and cost more. Additional Informationr   What 's the best time to start your retirement benefits[NEWLINE]user: is there a best time to start it?[NEWLINE]agent: We 're not recommending that you start at age 62, your full retirement age, age 70, or any age in between.[NEWLINE]user: ok no thanks[NEWLINE]user: Does it ever increase?[NEWLINE]agent: Here 's some additional information that may help you decide what 's right for you :[NEWLINE][BOUNDARY][NEWLINE]user: can i start them early?[NEWLINE]agent: yes you can, a month early[NEWLINE]user: Why would it cost more


user: When does the benefits increase?[NEWLINE]agent: If you 've already reached full retirement age The benefit increase no longer applies when you reach age 70, even if you continue to delay taking benefits.[NEWLINE]user: ok yes that is me[NEWLINE]agent: ok thankyou, anything else?[NEWLINE][BOUNDARY][NEWLINE]user: is there a best age to get them?[NEWLINE]agent: We 're not recommending that you start at age 62, your full retirement age, age 70[NEWLINE]user: Is there early or late retirement?[NEWLINE]agent: Here 's some additional information that may help you decide what 's right for you :[NEWLINE][BOUNDARY][NEWLINE]user: Can payments be delayed?[NEWLINE]agent:  Social Security retirement benefits are increased by a certain percentage depending on date of birth if you delay your retirement beyond full retirement age[NEWLINE][BOUNDARY][NEWLINE]user: What if I do not sign up?


user: is there any other information i need to know?[NEWLINE]agent: yes there is[NEWLINE]user:  What 's the best time to start your retirement benefits[NEWLINE]agent: We 're not recommending that you start at age 62, your full retirement age, age 70, or any age in between.[NEWLINE]user: oh ok thank you[NEWLINE]agent: Here 's some additional information that may help you decide what 's right for you :    Early or Late Retirement?[NEWLINE][BOUNDARY][NEWLINE]user: when can I choose to start benefits?[NEWLINE]agent: you can choose to start receiving benefits before the month you apply[NEWLINE][BOUNDARY][NEWLINE]user: is 62 the best time to start them?[NEWLINE]agent: We 're not recommending that you start at age 62, your full retirement age, age 70, or any age in between[NEWLINE][BOUNDARY][NEWLINE]user: what age does the benefit increase cut off?


user: I need to know if my family members are eligible for increased benefits[NEWLINE]agent: Yes ] Our mission is to deliver Social Security services that meet the changing needs of the public[NEWLINE]user: I already receive SSI[NEWLINE]agent: Yes certain life changes may affect eligibility for an increase in your federal benefits[NEWLINE]user: How do I find out if my spouse elibible?[NEWLINE]agent: Your spouse may be able to receive benefits if her needs have changed[NEWLINE]agent: Do you have certain life changes that need to be reported?[NEWLINE]user: No[NEWLINE]user: How can I find out information on requirments for increase benefits?[NEWLINE]agent: It is important that you may be able to get additional income through supplemental income with certain life events[NEWLINE]user: What about eligibility based on my own work?


user: Does it matter if I work when applying for disability?[NEWLINE]agent: Are you still working and your earnings are over $1,220 a month?[NEWLINE]user: No, I am not working or making more than $1,220.[NEWLINE][BOUNDARY][NEWLINE]user: Is one of the conditions of getting disability that I can't do any other work?[NEWLINE]agent: Yes, if you are unable to do any other type of work then you will be able to get disability.[NEWLINE]user: How will you decide I am disabled?[NEWLINE]agent: If you cannot do other types of work then we will probably decide you are disabled.[NEWLINE][BOUNDARY][NEWLINE]user: How can you determine if an adult child is disabled for SSDI?[NEWLINE]agent: Is your child older than 18 years old?[NEWLINE]user: No my child is not over 18 years old yet.[NEWLINE][BOUNDARY][NEWLINE]user: Is there other related information I would need to know?


user: how do I qualify for social security?[NEWLINE]agent:  If you are receiving Social Security disability benefits when you reach full retirement age, your disability benefits automatically convert to retirement benefits, but the amount remains the same.[NEWLINE]agent: did you have any other questions?[NEWLINE]user: yeah i understand[NEWLINE]agent: ok great![NEWLINE]user:  How Much Work Do You Need?[NEWLINE]agent:  When you 've earned $ 5,440,  you 've earned your four credits for the year.   The number of work credits you need to qualify for disability benefits depends on your age when you become disabled[NEWLINE]user: ok thanks do I need to meet a disability?[NEWLINE]agent: yes[NEWLINE]agent: do you more information?[NEWLINE]user: yes[NEWLINE]agent: ok great![NEWLINE][BOUNDARY][NEWLINE]user: when do benefits come?


user: You can help me with benefits for retirement at my age[NEWLINE]agent: Would you like to know about retirement benefits according to your age?[NEWLINE]user: yes, because I am not at the age when others say you should fully retire whatever that is[NEWLINE]agent: Full retirement age is the age at which a person may first become entitled to full or unreduced retirement benefits.[NEWLINE][BOUNDARY][NEWLINE]user: now I know, can you tell me what is different if I start benefits early?[NEWLINE]agent: your benefits are reduced a fraction of a percent for each month before your full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: and what if I start later than I should start?[NEWLINE]agent: if you delay your benefits until after full retirement age you may be eligible for delayed retirement credits that would increase your monthly benefit. but there may be other things to consider when making your decision about your retirement benefits[NEWLINE][BOUNDARY][NEWLINE]user: so early I get less, late I may get more and at the time everyone retires or whatever it's called I get average or something like that, right?[NEWLINE]agent: Full retirement age is the age at which a person may first become entitled to full or unreduced retirement benefits.[NEWLINE][BOUNDARY][NEWLINE]user: so how much do I lose if I start early? can you give me a real number?


user: what if you retire early?[NEWLINE]agent: You can retire at any time between age 62 and full retirement age[NEWLINE]agent: what if i start benefits early?[NEWLINE]user: if you start benefits early your benefits are reduced a fraction of[NEWLINE][BOUNDARY][NEWLINE]user: Is the benefits by year of birth?[NEWLINE]agent: Full retirement age is the age at which a person may first become entitled to full or unreduced retirement benefits.No matter what your full retirement age also called " normal retirement age "[NEWLINE][BOUNDARY][NEWLINE]user: what if I delay benefits until full retirement[NEWLINE]agent: if you delay your benefits until after full retirement age you may be eligible for delayed retirement credits that would increase your monthly benefit[NEWLINE][BOUNDARY][NEWLINE]user: what is full retiremnt age[NEWLINE]agent:  Full retirement age is the age at which a person may first become entitled to full or unreduced retirement benefits[NEWLINE]user: what if I retire early?


user: Can I request a reconsideration online?[NEWLINE]agent: Was  your disability claim was recently denied for medical reasons?[NEWLINE]user: yes[NEWLINE]agent: yes you can request an appeal online[NEWLINE][BOUNDARY][NEWLINE]user: where can I learn more about this process?[NEWLINE]agent: Please read  visit Federal Court Review Process[NEWLINE][BOUNDARY][NEWLINE]user: What if I disagree with the determination that was made?[NEWLINE]agent:  You may request a hearing online[NEWLINE][BOUNDARY][NEWLINE]user: What if I nead to request a hearing for a non medical determination online?[NEWLINE]agent: For a reason that is not disability related for example : income, resources, overpayments, living arrangements, you can request a non - medical hearing online[NEWLINE][BOUNDARY][NEWLINE]user: How do I check the status of my hearing?


user: How do you Check the Status of Your Reconsideration[NEWLINE]agent: Sure!  you can check the status of your disability and SSI Reconsideration using your personal my Social Security account[NEWLINE]agent: Do you have a social security account?[NEWLINE]user: yes i do[NEWLINE]agent: ok great[NEWLINE][BOUNDARY][NEWLINE]user: Can I reuest an appeals council review?[NEWLINE]agent: If the Appeals Council decides to review your case, [55] it will either decide your case itself or return it to an administrative law judge for[NEWLINE][BOUNDARY][NEWLINE]user: How do I Request a Hearing for a Non-Medical Determination Online[NEWLINE]agent: did you request a hearing?[NEWLINE]user: yes[NEWLINE]agent: you can request a non - medical hearing online[NEWLINE][BOUNDARY][NEWLINE]user: What if I disagree with the hearing decision?


user: I would like to know what happens if the deceased receives monthly benefits?[NEWLINE]agent: Is your deceased receiving Social Security benefits?[NEWLINE]user: yes[NEWLINE]agent: in this case you must return the benefit received for the month of death and any subsequent month.[NEWLINE][BOUNDARY][NEWLINE]user: Can other family members be eligible for the benefit?[NEWLINE]agent: Are the other members your stepchild, grandchild, grandchild, or foster child?[NEWLINE]user: not[NEWLINE]agent: in this case you cannot choose other relatives[NEWLINE][BOUNDARY][NEWLINE]user: If I mentioned continuing to receive benefits after death. For example, if the person died in July, when should they return the benefits?[NEWLINE]agent: must return benefits paid in August[NEWLINE][BOUNDARY][NEWLINE]user: and can benefits be paid to the worker's children and the surviving spouse who cares for the children, even if the worker does not have the required amount of credits?


user: Are other family members eligible for survivor benefits?[NEWLINE]agent: Do you need to know what family members are eligible?[NEWLINE]user: Yes, I would like to know if they are eligible.[NEWLINE]agent: Do you have a stepchild, grandchild, step grandchild, or adopted child?[NEWLINE]user: No, I do not.[NEWLINE]agent: Then you do not have family members that are eligible.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any special situations I should know about survivor benefits?[NEWLINE]agent: Have you all ready received benefits as a spouse?[NEWLINE]user: Yes, I receive benefits as a spouse.[NEWLINE]agent: Then it will be easy and your benefits will automatically switch over to survivors benefits once we receive the report of death.[NEWLINE][BOUNDARY][NEWLINE]user: Is there a maximum limit to the amount a family could get?


user: How do I qualify for Disability?[NEWLINE]agent: Do you want to know how to qualify for disability benefits?[NEWLINE]user: Yes, I would like to learn about disability benefits.[NEWLINE]agent: You must first have worked in jobs covered by Social Security and then you must have a medical condition that meets our definition of disability.[NEWLINE][BOUNDARY][NEWLINE]user: How long should my work history be?[NEWLINE]agent: In addition to meeting our definition of disability, you must also have worked long enough and recently under Social Security to qualify for disability.[NEWLINE]user: When I earn $5,440 how many credits does that give me?[NEWLINE]agent: When you earn $5,440 you have earned your four credits for the year.[NEWLINE]user: How many work credits do I need and what does it depend on?[NEWLINE]agent: The number of work credits you need to qualify for disability benefits depends on your age when you become disabled.  Most of the time, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled.[NEWLINE][BOUNDARY][NEWLINE]user: How is it determined if an adult "child" is disabled for SSDI benefits?[NEWLINE]agent: Is the child age 18 or older?[NEWLINE]user: Yes, my child is 18 years or older.


user: What happens if a person goes back to work?[NEWLINE]agent: Did you go back to work?[NEWLINE]user: not yet.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any publications on this?[NEWLINE]agent: Please refer to What You Need To Know When You Get Social Security Disability Benefits[NEWLINE][BOUNDARY][NEWLINE]user: Can I get more information about work incentives?[NEWLINE]agent: For more information about Social Security work incentives,  read Working While Disabled[NEWLINE][BOUNDARY][NEWLINE]user: what causes benefits to stop[NEWLINE]agent: Two things can cause us to decide that you are no longer disabled and to stop your benefits :      if you work at a level we consider " substantial. "     [In 2019[NEWLINE][BOUNDARY][NEWLINE]user: Will my disability change?


user: you can tell me who can get survivors benefits when someone dies[NEWLINE]agent: So you want to know which family members may be eligible?[NEWLINE]user: yes I know about wives but what about the kids or grandkids?[NEWLINE]agent: Is the person a stepchild, grandchild, step grandchild, or adopted child?[NEWLINE]user: no I don't think so[NEWLINE]agent: They are not eligible for survivors benefits[NEWLINE][BOUNDARY][NEWLINE]user: can someone get retirement and survivors benefits at the same time?[NEWLINE]agent: They can apply for retirement or survivors benefits now and switch to the other higher benefit at a later date[NEWLINE][BOUNDARY][NEWLINE]user: when can a widow get her own benefits that she earned through work?[NEWLINE]agent: They can switch to their own retirement benefit as early as age 62. This assumes you are eligible for retirement benefits and your retirement rate is higher than your rate as a widow[NEWLINE][BOUNDARY][NEWLINE]user: can the widow get monthly benefits if she is caring for the dead guy's daughter?


user: hello there. I would like to know if there are the chance that others family members besides my spouse get benefited too.[NEWLINE]agent: Yes, of course. Do you have other relatives?[NEWLINE]user: Yes. I got other family members.[NEWLINE]agent: Great! Do you have any stepchild, grandchild, step grandchild or adopted child?[NEWLINE]user: Yes, I have.[NEWLINE]agent: Good. And what about parents? of age of 62 or older?[NEWLINE]user: Yes, lucky me. I still have my parents around.[NEWLINE]agent: Great then. That's good to know. Then you have the family members that also can benefit of your application ten.[NEWLINE][BOUNDARY][NEWLINE]user: Great. And how they benefit with this?[NEWLINE]agent: The can receive credits in money. Until four credits each year.[NEWLINE][BOUNDARY][NEWLINE]user: But what happens if I die and you still send the payments?


user: How To Apply Online For Just Medicare[NEWLINE]agent: do you have access to a computer?[NEWLINE]user: not right now[NEWLINE][BOUNDARY][NEWLINE]agent: Did you know new medicare cards were sent out?[NEWLINE]user: yes[NEWLINE]agent: Did you receive it?[NEWLINE]user: yes[NEWLINE]agent: To help protect your identity, Medicare has sent you a new Medicare card.s   [25] Your new card will have a new Medicare Number that s unique to you, instead of your Social Security Number[NEWLINE][BOUNDARY][NEWLINE]user:  When should I apply?[NEWLINE]agent: You should sign up for Medicare three months before reaching age 65, even if you are not ready to start receiving retirement benefits[NEWLINE]agent: did you want to enroll in Medicare part B?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: if i am not ready to retire can I apply?


user: Hi, i'm need of going through a change of address, could you help me?[NEWLINE]agent: Do i understand you want information about changing your address or telephone number?[NEWLINE]user: No, not exactly both.[NEWLINE][BOUNDARY][NEWLINE]agent: I see. So, do you want to know how to change your address only?[NEWLINE]user: Yes, only that.[NEWLINE]agent: Are you receiving retirement, survivor or disability benefits from social security?[NEWLINE]user: No, I'm not receiving any of those right now.[NEWLINE][BOUNDARY][NEWLINE]user: What can i do if i still have some questions?[NEWLINE]agent: Du yo have any questions about changing address process? Need more help?[NEWLINE]user: Yeah, i think i still need a little help.[NEWLINE]agent: Don't worry, you can make use of our toll free number for further questions unanswered here. Oh,, and you can go visit a social security office.[NEWLINE][BOUNDARY][NEWLINE]user: O.k, at least i have an option. Going back to the address thing, What can you tell me if i'm receiving SSI?


user: how do I apply?[NEWLINE]agent: you can apply online, keep in mind Please be ready to supply the information we need to approve your application for these benefits[NEWLINE]agent: do you have a birth certificate?[NEWLINE]user: yes[NEWLINE]agent: ok great![NEWLINE]user: what info will you need?[NEWLINE]agent: They will let you know.[NEWLINE]user: what should I doif i do not have a birth certificate?[NEWLINE]agent: If you do not have a birth certificate, you may request one from the state where you were born[NEWLINE][BOUNDARY][NEWLINE]user: what other retirement planning websites are there?[NEWLINE]agent:  Benefit Eligibility Screening Tool BEST to help identify other Social Security programs for which you may be eligible.[NEWLINE][BOUNDARY][NEWLINE]user: do I need my direct deposti info?


user: Where can I apply for it at?[NEWLINE]agent: Hello You can reply online.[NEWLINE]agent: do you have a birth certificate?[NEWLINE]user: No I do not at this time[NEWLINE]agent: Do you want to know how to get it?[NEWLINE]user: no thanks I know how[NEWLINE][BOUNDARY][NEWLINE]user: What site can I go to for retirement planning?[NEWLINE]agent: go to  Benefit Eligibility Screening Tool BEST to help identify other Social Security programs for which you may be eligible[NEWLINE]user: What if your pension was terminated?[NEWLINE]agent: If your pension plan was terminated, you may be able to use the PBGC's Find an Unclaimed Pension tool to find out if you have unclaimed benefits.)[NEWLINE][BOUNDARY][NEWLINE]user: do i need to bring my bank information?


user: Good morning. Please, i want to acquire some data about the retirement planner.[NEWLINE]agent: Are you going to apply for retirement benefits or medicare?[NEWLINE]user: No, not yet. Just looking for information as reference.[NEWLINE][BOUNDARY][NEWLINE]agent: But, eventually you'll apply, don't you?[NEWLINE]user: Yeah, of course i will.[NEWLINE]agent: Great. When you do it, you must be ready to supply the information we need to approve your application for these benefits, such as Form SSA-1 Apply for Retirement Benefits or Medicare.[NEWLINE]agent: Do you have or not a birth certificate?[NEWLINE]user: Yeah, i don't have one at the moment.[NEWLINE]agent: Well, you don't have to worry, because you can request one from the state where you were born.[NEWLINE]user: That's a relief. So, to be sure, i just need Form SSA-1 to be completed when i finally apply for benefits, right?[NEWLINE]agent: That's correct. That's all you need.[NEWLINE]agent: Do you need more information, like where to write for more details, or something else?


user: Where should I begin?[NEWLINE]agent: You Can Apply online For Retirement Benefits Or Medicare[NEWLINE]user: that does not apply to me[NEWLINE][BOUNDARY][NEWLINE]agent: ok thanks for the response. Would you like to apply online?[NEWLINE]user: no thanks[NEWLINE][BOUNDARY][NEWLINE]agent: would you like to know other websites?[NEWLINE]user: no thanks[NEWLINE][BOUNDARY][NEWLINE]user: what do I need when I apply?[NEWLINE]agent:  When You Apply  Please be ready to supply the information we need to approve your application for these benefits :[NEWLINE]user: what if I am divorced?


user: Can I apply for benefits on line?[NEWLINE]agent: You are asking to apply online, correct?[NEWLINE]user: yes[NEWLINE][BOUNDARY][NEWLINE]agent: Do you have medicare?[NEWLINE]user: yes[NEWLINE]agent:  Please be ready to supply the information we need to approve your application for these benefits[NEWLINE]user: What if I do not have a birth certificate?[NEWLINE]agent: you may request one from the state where you were born[NEWLINE][BOUNDARY][NEWLINE]user: can I apply online?[NEWLINE]agent: You Can Apply For Retirement Benefits Or Medicare[NEWLINE][BOUNDARY][NEWLINE]user: is there a website I can see?[NEWLINE]agent:  Benefit Eligibility Screening Tool BEST to help identify other Social Security programs for which you may be eligible[NEWLINE]agent: was your pension terminated?[NEWLINE]user: yes


user: Good day, I have questions regarding the benefits planner for my upcoming retirement.[NEWLINE]agent: Do you wish to apply for retirement benefits or Medicare then?[NEWLINE]user: Nah, just information please.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know what you need for an application?[NEWLINE]user: Yeah, I would appreciate that.[NEWLINE]agent: When you need to apply for retirement benefits or Medicare, we require the form SSA-1 from you.[NEWLINE]agent: Do you NOT have a birth certificate available?[NEWLINE]user: Yeah. See, that's the thing. My parents used to keep my birth certificate, but their home got flooded and a lot of the papers lost. I don't have a birth certificate to show.[NEWLINE]agent: In that case you may request one from the state where you were born.[NEWLINE]user: Alright, will do. If I was going to apply, which form should I use?[NEWLINE]agent: If you want to apply for retirement benefits or Medicare you need form SSA-1.[NEWLINE]agent: Do you want to know where to write to in your state to get a birth certificate?


user: I need help with Retirement benefits planner.[NEWLINE]agent: Do you want to apply for Retirement Benefits or Medicare?[NEWLINE]user: Yes, I would like to apply for Retirement Benefits and Medicare.[NEWLINE]agent: You can apply online for those benefits.[NEWLINE]agent: Are you deaf or hard of hearing?[NEWLINE]user: No I am not deaf or hard of hearing.[NEWLINE][BOUNDARY][NEWLINE]user: What happens when I apply?[NEWLINE]agent: Please be ready to supply the information we need to approve your application for these benefits such on form SSA-1[NEWLINE]user: What happens if i do not have a birth certificate?[NEWLINE]agent: You need to request your birth certificate from the state you were born.[NEWLINE][BOUNDARY][NEWLINE]user: How can I apply for Retirement Benefits or Medicare?


user: Can I apply for retirement benefits or medicare?[NEWLINE]agent: you are asking if you can apply for retirement or medicare benefits correct?[NEWLINE]user: that is correct.[NEWLINE]agent: ok thank you. Apply Online[NEWLINE]user: I am hard of hearing what do I do?[NEWLINE]agent: That is not a problem you can call us at TTY 1-800-325-0778.[NEWLINE][BOUNDARY][NEWLINE]user: Do I need a birth certificate?[NEWLINE]agent: yes. If you do not have a birth certificate,you may request one from the state where you were born[NEWLINE][BOUNDARY][NEWLINE]user: Are there any retirement websites?[NEWLINE]agent: Benefit Eligibility Screening Tool BEST to help identify other Social Security programs for which you may be eligible[NEWLINE]agent: was your pension plan terminated?[NEWLINE]user: no.[NEWLINE][BOUNDARY][NEWLINE]user: What doi need when applying?


user: what do I need to do?[NEWLINE]agent: Are you asking how to apply for medicare benefits?[NEWLINE]user: yes I am[NEWLINE]agent: Feel free to Apply Online[NEWLINE]user: I am deaf how can you help?[NEWLINE]agent: If you are deaf or hard of hearing,  you can call us at TTYs1-800-325-0778.[NEWLINE]user: I am not ready to retire but I still want to apply[NEWLINE]agent: If you are not getting Social Security and you are not ready to retire you should still use our online retirement benefit application to sign up for just Medicare three months before your 65th birthday[NEWLINE][BOUNDARY][NEWLINE]user: do I need a birth certificate?[NEWLINE]agent: If you do not have a birth certificate, you may request one from the state where you were born[NEWLINE][BOUNDARY][NEWLINE]user: How old do you have to be?[NEWLINE]agent: You must be at least 61 years and 9 months old to apply for retirement benefits.If you are already age 62[NEWLINE][BOUNDARY][NEWLINE]user: what information will I need


user: Hey, can you tell me something about my retirement benefits planner?[NEWLINE]agent: Of course. Did you apply for retirement benefits or Medicare?[NEWLINE]user: No, I haven't applied yet.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know about the application process?[NEWLINE]user: No, sorry. That's not what I wanted to know.[NEWLINE][BOUNDARY][NEWLINE]agent: Would you like to learn about other retirement planning websites then?[NEWLINE]user: No, I don't want to.[NEWLINE]user: Let ME ask the questions, please. I think this way it's going to be easier. I recently came across the employee benefit research institute, is that a website you'd recommend?[NEWLINE]agent: Absolutely. The Employee Benefit Research Institute is an officially listed resource.[NEWLINE][BOUNDARY][NEWLINE]user: So it's reliable, I see. One more question regarding the application. Do the benefits start right when I apply or how does it work?


user: I need to plann for retirement[NEWLINE]agent: Are you applying for medicare also[NEWLINE]user: No I am not[NEWLINE][BOUNDARY][NEWLINE]agent: What is your age?[NEWLINE]user: I'm not ready to apply[NEWLINE][BOUNDARY][NEWLINE]agent: Please read  Other Retirement Planning Websites[NEWLINE]user: This is not applicable to me[NEWLINE][BOUNDARY][NEWLINE]user: Can I find out more information at my local SS office?[NEWLINE]agent: Yes you can Visit your local Social Security office Please call first to make an appointment.[NEWLINE]user: Whats the easiest way to apply?


user: How canI apply for retirement?[NEWLINE]agent: You want to apply for retirement?[NEWLINE]user: correct[NEWLINE]agent: Apply Online[NEWLINE]user: I am hard of hearing what do i do?[NEWLINE]agent: you can call us at TTY1-800-325-0778.[NEWLINE][BOUNDARY][NEWLINE]user: what will they need to see when I apply?[NEWLINE]agent: you may request one from the state where you were born[NEWLINE][BOUNDARY][NEWLINE]user: when will the benefits start?[NEWLINE]agent: you should still use our online retirement benefit application to sign up for just Medicare three months before your 65th birthday[NEWLINE]user: Can I apply in person?[NEWLINE]agent: yes[NEWLINE][BOUNDARY][NEWLINE]user: what information will they need when I apply?


user: Can you tell me something about the benefit letter for social security?[NEWLINE]agent: Gladly. Do you want to get your Social Security Benefit Verification Letter online?[NEWLINE]user: No, thanks. I need to know something else.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want me to explain what a Social Security Benefit Verification Letter is?[NEWLINE]user: Well, sure. I mean, why not?[NEWLINE]agent: The benefit verification letter, sometimes called a benefits letter, or a Social Security award letter, serves as proof of your retirement, disability, Supplemental Security Income SSI, or Medicare benefits. It also serves as proof that you have applied for benefits or that you have never received Social Security benefits or SSI.[NEWLINE][BOUNDARY][NEWLINE]user: Ok. And how do I print such a letter online? I need it for my documents.[NEWLINE]agent: Simply sign in to your account below and go to Replacement Documents on the right side of the screen, then choose get a Benefit Verification Letter to view, save and print your personalized letter.[NEWLINE][BOUNDARY][NEWLINE]user: Ah, so that's how it works! Thank you. Can I ask another question?[NEWLINE]agent: Of course. Do you need help with requesting your benefit verification letter then?[NEWLINE]user: Yeah, I kinda do.


user: What if I still have questions about my benefit verification letter?[NEWLINE]agent: Do you still have any questions or need any help with how to request the verification online?[NEWLINE]user: Yes, i still need help with how to get the verification online.[NEWLINE]agent: All you need to do is call our toll-free number at 1-800-772-1213 or visit our office.[NEWLINE]user: I am hard of hearing what do i do?[NEWLINE]agent: You can always call our toll-free TTY number at 1-800-325-0778 between 7a.m. and 7 p.m. every Monday through Friday.[NEWLINE][BOUNDARY][NEWLINE]user: How do i get ahold of replacement documents?[NEWLINE]agent: Just sign into your my Social Security account and go directly to Replacement Documents and choose the replacement document you need.[NEWLINE][BOUNDARY][NEWLINE]user: What is the benefit verification letter and why do i need it?[NEWLINE]agent: The verification letter serves as proof of your retirement, disability, SSI, or Medicare benefits.  It also serves as proof that you receive benefits.[NEWLINE][BOUNDARY][NEWLINE]user: How long does creating my Social Security account take?


user: If I decide to keep working after retirement how much can I earn and still get retirement benefits?[NEWLINE]agent: Are you younger than full age retirement and make more than the yearly earnings limit?[NEWLINE]user: No.[NEWLINE]user: but what if I'm under full retirement age during the full year before full retirement age?[NEWLINE]agent: then you'd get deducted 1$ for every 2$ you make above the yearly limit. The yearly limit for 2019 is 17640$.[NEWLINE]user: What its the full retirement age?[NEWLINE]agent: 66 for those born between 1943 and 1954. And from 1955 onwards, two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 and later.[NEWLINE][BOUNDARY][NEWLINE]user: So I can actually keep my benefits while working, even if with a deduction, right?[NEWLINE]agent: Yes, that's correct.[NEWLINE][BOUNDARY][NEWLINE]user: What's the earning yearly limit again?


user: hello I have some questions[NEWLINE]agent: Sure I will be happy to help[NEWLINE]agent: Do you work now?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: How Much Can I Earn And Still Get Benefits?[NEWLINE]agent: If you are younger than full retirement age and make more than the yearly earnings limit  your earnings may reduce your benefit amount[NEWLINE]user: What if I am younger than the full retirement age?[NEWLINE]agent:  If you are younger than full retirement age and make more than the yearly earnings limit[NEWLINE]user:  If you are younger than full retirement age and make more than the yearly earnings limit,[NEWLINE]agent: your earnings may reduce your benefit amount[NEWLINE]user: do you deduct if we are under the full retirement age?


user: Can I get benefits while I am working?[NEWLINE]agent: Yes, you can work while you receive Social Security retirement benefits or survivors benefits.[NEWLINE]user: What could happen when I do work while getting benefits?[NEWLINE]agent: It could mean a higher benefit for you in the future if you work while getting benefits.[NEWLINE]user: Will it increase my benefits while I work?[NEWLINE]agent: Yes, it will increase your future benefits.[NEWLINE]agent: Will your earnings be higher than one of the previous years?[NEWLINE]user: Yes, they will be higher than the previous years earnings.[NEWLINE]agent: We will recalculate your benefit amount and pay the increase retroactive to January the year after you earned the money.[NEWLINE][BOUNDARY][NEWLINE]user: How much can I earn and still get benefits?[NEWLINE]agent: If you are younger than full retirement age and make more than the yearly earning limit your benefits may reduce.


user: can I get benefits while working?[NEWLINE]agent: You are wanting to know if you can work while getting benefits, correct?[NEWLINE]user: no[NEWLINE]user: How Much Can I Earn And Still Get Benefits?[NEWLINE]agent: If you are under full retirement age for the entire year, we deduct $ 1 from your benefit payments for every $ 2 you earn above the annual limit[NEWLINE][BOUNDARY][NEWLINE]user: How is it calculated?[NEWLINE]agent:  we will recalculate your benefit amount[NEWLINE][BOUNDARY][NEWLINE]user: how much can I still earn?[NEWLINE]agent:  If you are younger than full retirement age and make more than the yearly earnings limit, your earnings may reduce your benefit amount.[NEWLINE]user: what is the yearly limit?


user: Can I get benefits while working?[NEWLINE]agent: You can work while you receive Social Security retirement or survivors benefits.[NEWLINE]user: Will it lower my amount?[NEWLINE]agent: it could mean a higher benefit for you in the future[NEWLINE][BOUNDARY][NEWLINE]user: how much can I earn and still get benefits?[NEWLINE]agent: that limit is $ 17,640[NEWLINE]user: what is the deduction?[NEWLINE]agent:  we deduct $ 1 from your benefit payments for every $ 2 you earn above the annual limit.[NEWLINE][BOUNDARY][NEWLINE]user: what if my earnings are high?[NEWLINE]agent: we will recalculate your benefit amount  We pay the increase retroactive to January the year after you earned the money.[NEWLINE][BOUNDARY][NEWLINE]user: How Much Can I Earn And Still Get Benefits?[NEWLINE]agent: You are asking how much you cna earn while still working, correct?[NEWLINE]user: yes


user: Is it possible to work while receiving benefits?[NEWLINE]agent: Yes it is possible to work while receiving Social Security retirement or survivors benefits and it could mean higher benefits in the future.[NEWLINE]user: What happens when I do work?[NEWLINE]agent: It could mean a higher benefit for you in the future when receiving benefits.[NEWLINE][BOUNDARY][NEWLINE]user: How much will I be able to earn and still receive benefits?[NEWLINE]agent: Are you younger than full retirement age and make more than the yearly benefit?[NEWLINE]user: No I am not younger than the full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if my earnings for the prior year are higher than one of the years you used to compute my retirement benefits?[NEWLINE]agent: We will recalculate your benefit amount and pay the increase retroactive to January the year after you earned it.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I am under full retirement age for the entire year?


user: Can I get benefits while working[NEWLINE]agent: are you currecntly working?[NEWLINE]agent: are you working?[NEWLINE]user: will I get a higher benfit?[NEWLINE]agent:  When you do,it could mean a higher benefit for you in the future[NEWLINE][BOUNDARY][NEWLINE]user: how much can I earn and still get benfits?[NEWLINE]agent: If you are younger than full retirement age and make more than the yearly earnings limit, your earnings may reduce your benefit amount[NEWLINE][BOUNDARY][NEWLINE]user: is it a high benefit?[NEWLINE]agent:  Higher benefits can be important to you later in life and increase the future benefit amounts your family and your survivors could receive.[NEWLINE][BOUNDARY][NEWLINE]user:  How Much Can I Earn And Still Get Benefits?[NEWLINE]agent:  If you are younger than full retirement age and make more than the yearly earnings limit[NEWLINE][BOUNDARY][NEWLINE]user: Is there a review?[NEWLINE]agent: Each year we review the records for all working Social Security recipients[NEWLINE]user: If earnings are higher the prior year what happens?


user:  How Much Can I Earn And Still Get Benefits?[NEWLINE]agent: are you currently working?[NEWLINE]user: yes[NEWLINE]agent: ok great!  If you are younger than full retirement age and make more than the yearly earnings limit[NEWLINE]user: IS there a limit on how much I can earn?[NEWLINE]agent: For 2019, that limit is $ 17,640[NEWLINE]user: Are you under full retirement age?[NEWLINE]agent: For 2019, that limit is $ 17,640[NEWLINE][BOUNDARY][NEWLINE]user: Will it ever increase?[NEWLINE]agent: Higher benefits can be important to you later in life and increase the future benefit amounts your family and your survivors could receive[NEWLINE]user: ok thanks[NEWLINE]agent: ok great[NEWLINE]user: If I work will it increase?[NEWLINE]agent: we will recalculate your benefit amount We pay the increase retroactive to January the year after you earned the money.[NEWLINE][BOUNDARY][NEWLINE]user: How Much Can I Earn And Still Get Benefits?


user: can a person who works get benefits?[NEWLINE]agent: are you working?[NEWLINE]user: yes[NEWLINE]agent:  If you are younger than full retirement age and make more than the yearly earnings limit[NEWLINE]user: what if  you are under full retirement age?[NEWLINE]agent: If you are under full retirement age for the entire year  we deduct $ 1 from your benefit payments for every $ 2 you earn above the annual limit.[NEWLINE][BOUNDARY][NEWLINE]user: will I get higher benefits?[NEWLINE]agent: Higher benefits can be important to you later in life and increase the future benefit amounts your family and your survivors could receive[NEWLINE][BOUNDARY][NEWLINE]user: does any money get deducted?[NEWLINE]agent:  we deduct $ 1 from your benefit payments for every $ 2 you earn above the annual limit[NEWLINE]user: so it deducts if i am younger?


user: Can I still earn money and receive benefits at the same time?[NEWLINE]agent: Yes you can but the benefits may be reduced.[NEWLINE]user: What if I am younger than the full retirement age?[NEWLINE]user: What is the earning limit for 2019?[NEWLINE]agent: The limit for 2019 is $17,640.[NEWLINE]user: What is considered to be the full retirement age?[NEWLINE]agent: Full retirement age is 66 years old for people born between 1943 and 1954.[NEWLINE]user: What if I was born in 1955?[NEWLINE]agent: Beginning with 1955, two months are added for every birth year until the full retirement age reach 67 for people born in 1960 or later.[NEWLINE]user: Am I deducted money if I am under the full retirement age for the entire year and earn over the limit?


user: what is a benefits planner?[NEWLINE]agent: do you want to apply for medicare?[NEWLINE]user: yeah[NEWLINE]agent:  Are you are within three months of age 65 or older and not ready to start your monthly Social Security benefits yet?[NEWLINE]user: thank you[NEWLINE]agent: ok great! noproblem.[NEWLINE][BOUNDARY][NEWLINE]user: please explain Lifetime Benefits We Can Pay On Your Record[NEWLINE]agent: You can start your retirement benefit at any point from age 62 up until age 70.[NEWLINE][BOUNDARY][NEWLINE]user: ho do i apply for medicare?[NEWLINE]agent:  you can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits[NEWLINE][BOUNDARY][NEWLINE]user: when can I start a retirement benfit?[NEWLINE]agent: You can start your retirement benefit at any point from age 62 up until age 70.[NEWLINE]user: If your full retirement age is 66 and you decideto start your retirement benefits at age 65


user: Hi, i've thinking about retirement and heard about planning for that. What can you tell me?[NEWLINE]agent: Well, for starters, Do you want to apply for medicare only?[NEWLINE]user: No, not only that.[NEWLINE][BOUNDARY][NEWLINE]agent: So you want to know about lifetime benefits?[NEWLINE]user: No, neither that.[NEWLINE][BOUNDARY][NEWLINE]agent: OK, well, maybe are you going to get a job?[NEWLINE]user: No, no, none of the options you presented is according what i want.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you need help with you health insurance coverage[NEWLINE]user: No, i' m not having any issues with that.[NEWLINE][BOUNDARY][NEWLINE]agent: Well, there's one thing. Do you signed up for medical insurance?[NEWLINE]user: Yes, that's the one.[NEWLINE]agent: Then you have signed up for medicare, right?


user: Should I sign up for Medicare Part B?[NEWLINE]agent: Have you signed up for Medicare?[NEWLINE]user: I haven't.[NEWLINE][BOUNDARY][NEWLINE]user: under what circumstances can I qualify for a SEP?[NEWLINE]agent: You could, for example, qualify for a SEP and sign up for Medicare Part B in the 8-month period that begins with the month after your group health plan coverage or the employment it's based on ends.[NEWLINE]user: What if my group health plan coverage ends during my initial enrollment period for Medicare Part B?[NEWLINE]agent: then you wouldn't qualify for a SEP.[NEWLINE]user: where can I get more information about enrollment periods for Part B?[NEWLINE]agent: You can read the information about general and SEP in our booklet or talk to your personnel office.[NEWLINE]user: In my case, I'm older than 65 and have medical insurance coverage under a group health plan based on my current employment. Do I qualify for a SEP?[NEWLINE]agent: You may, yes.[NEWLINE][BOUNDARY][NEWLINE]user: How would affect me if I decide to apply for Medicare part B later?


user: What if I plan to continue working after taking benefits?[NEWLINE]agent: Even if you plan to continue working you may still be able to receive some benefits.[NEWLINE]user: Is there a certain amount you can earn?[NEWLINE]agent:  If you areunder full retirement age and you earn over a certain amount we will deduct the excess earnings from your benefits[NEWLINE]user: What if I am full retiremet age?[NEWLINE]agent: If you plan to continue working delaying benefitsalso increases the maximum monthly survivors benefit you may receive.[NEWLINE][BOUNDARY][NEWLINE]user: What is the percent of benefit aft full reitrement?[NEWLINE]agent: your benefitwill be 130.67 percent of your full retirement age benefit[NEWLINE][BOUNDARY][NEWLINE]user: Is there a special enrollment period?[NEWLINE]agent: f you are age 65 or older and your medical insurance coverage is under a group health plan based on your  current employment[NEWLINE]user: For my spouses employment also?[NEWLINE][BOUNDARY][NEWLINE]user: What is the premium I pay on my health insurance coverage?


user: How do i apply for medicare?[NEWLINE]agent: are you  within three months of age 65 or older and not ready to start your monthly Social Security benefits yet[NEWLINE]user: yes[NEWLINE]agent: ok great.. you can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later[NEWLINE][BOUNDARY][NEWLINE]user: What if you plan to continue to work?[NEWLINE]agent: Even if you plan to continue workingyou may still be able to receive some benefits[NEWLINE]agent: Are you under the full retirement age?[NEWLINE]user: yes[NEWLINE]agent:  we will deduct the excess earnings from your benefits[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply before the age?[NEWLINE]agent:  You can start your retirement benefit at any point from age 62 up until age 70.[NEWLINE][BOUNDARY][NEWLINE]user: If I do not enroll in both parts a and B can I do so later?


user: I want info about what happens to my benefits if I want to keep working[NEWLINE]agent: Even if you plan to continue working you may still be able to receive benefits.[NEWLINE]agent: Are you in full retirement?[NEWLINE]user: not yet[NEWLINE][BOUNDARY][NEWLINE]user: you don't have to check, can I ask when I can start my benefits?[NEWLINE]agent: You can start your retirement benefit at any point from age 62 up until age 70.Your benefit amount will be higher the longer you delay starting it. This adjustment is usually permanent..[NEWLINE]user: so I get less if I apply early before full retirement and when is full retirement?[NEWLINE]agent: Yes, your benefits are reduced because you are taking them earlier before full retirement age.  Full retirement age is 66 for people born between 1943 and 1954.Beginning with 1955, two months are added for every birth year until the full retirement age reaches 67 for people born in 1960 or later.[NEWLINE][BOUNDARY][NEWLINE]user: And is Medicare like medicaid?[NEWLINE]agent: Medicare is our country 's health insurance program for people age 65 or older.The program helps with the cost of health care, but it does not cover all medical expenses or the cost of most long - term care.[NEWLINE][BOUNDARY][NEWLINE]user: okay and do I have to start my benefits before 66 or 67 years old when I hit my full retirement age?


user: Is there  special enrollment period for applying for medicare only?[NEWLINE]agent: If your medical insurance coverage is under a group health plan based on your, or your spouse 's, current employment  and you are age 65 or older[NEWLINE]user: Yes I am 65[NEWLINE]agent:  You may not need to applyfor Medicare supplementary medical insurance Part B at age 65 You may qualify for a SEP thatwill let you sign up for Part B during[NEWLINE][BOUNDARY][NEWLINE]user: What about medical insurance part b what do I need to know?[NEWLINE]agent:  Some beneficiaries with higher incomes will pay a highermonthly Part B premium[NEWLINE][BOUNDARY][NEWLINE]user: What other things should I consider?[NEWLINE]agent: please read Other Things To Consider if you plan to continue to work[NEWLINE][BOUNDARY][NEWLINE]user: What if my health care coverage ends before enrollment period?[NEWLINE]agent:  If your group health plan coverage or the employment it isbased on ends during your initial enrollment period for Medicare Part B,you do not qualifyfor a SEP.s[NEWLINE][BOUNDARY][NEWLINE]user: What iformation is there for applying before full retirement age?


user: I need a little help, I want to find out about Part B, Medical insurance[NEWLINE]agent: Have you signed up for Medicare?[NEWLINE]user: no I haven't that I know of[NEWLINE][BOUNDARY][NEWLINE]user: I heard about a special enrollment period and wondered if it was for people like me...is it?[NEWLINE]agent: Are you 65 or older and under a group health plan by an employer?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: and I don't have to do it at age 65, you said I could do it at older right?[NEWLINE]agent: You can put it off, but if you do not choose to enroll in Medicare Part B and then decide to do so later your coverage may be delayed and you may have to pay a higher monthly premium unless you qualify for a " Special Enrollment Period, " or SEP.[NEWLINE][BOUNDARY][NEWLINE]user: is this a need or should do that I sign up for Part B at 65?[NEWLINE]agent: you may not need to apply for Medicare supplementary medical insurance Part B at age 65. You may qualify for a Special Enrollment Period that will let you sign up for Part B during another time.[NEWLINE]user: I'm a little more informed but still could use more info. Do you guys have something I could look at to learn more about Special Enrollment Periods?


user: I need to find out about medicare health insurance coverage[NEWLINE]agent:  Medicare is  health insurance program for people age 65 or older[NEWLINE][BOUNDARY][NEWLINE]user: When can I start my lifetime benefits?[NEWLINE]agent: At  any point from age 62 up until age 70.[NEWLINE][BOUNDARY][NEWLINE]user: What if I apply for medicare only what are my options?[NEWLINE]agent:  you need to be sure that you understand how waiting until later will affect[NEWLINE][BOUNDARY][NEWLINE]user: When I appy for medicare should I sign up for medical insurance part B?[NEWLINE]agent: You will be asked if you want to enroll in Medical insurance Part B. when you sign up for medicare[NEWLINE][BOUNDARY][NEWLINE]user: When is the special enrollment period?[NEWLINE]agent:  Any month you remain covered under the group health plan and you  employment continues. or The 8-month period that begins with the month after your group health plan coverage  ends[NEWLINE]user: How do I qualify for special enrollment period?[NEWLINE]agent:  If you are age 65 or older and your medical insurance coverage is under a group health plan based on your current employment[NEWLINE]user: ok yes I am age 65


user: how do you only apply for medicare?[NEWLINE]agent: are you 65?[NEWLINE]user: yes[NEWLINE]agent: you can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later[NEWLINE][BOUNDARY][NEWLINE]user: What if you are under the full retirement age?[NEWLINE]agent:  If you areunder full retirement age and you earn over a certain amount  we will deduct the excess earnings from your benefits[NEWLINE][BOUNDARY][NEWLINE]user: What is SEP?[NEWLINE]agent: If you are age 65 or older and your medical insurance coverage is under a group health plan based on your, or your spouse 's, current employment[NEWLINE][BOUNDARY][NEWLINE]user: when can you start the benfits?[NEWLINE]agent: You can start your retirement benefit at any point from age 62 up until age 70[NEWLINE][BOUNDARY][NEWLINE]user: Can I apply for medicare only?


user: Is there life time benefits?[NEWLINE]agent: You can start your retirement benefit at any point from age 62 up until age 70.[NEWLINE]agent: did you apply benefits before age 65?[NEWLINE]user: yeah[NEWLINE]agent: You can start your retirement benefit at any point from age 62 up until age 70.[NEWLINE][BOUNDARY][NEWLINE]user: Where can I get more information?[NEWLINE]agent: For more information that will help you decide the best time to start benefits,  please read Other Things To Consider[NEWLINE][BOUNDARY][NEWLINE]user: what about health coverage?[NEWLINE]agent: Medicare is our country 's health insurance program for people age 65 or older[NEWLINE][BOUNDARY][NEWLINE]user: Do I sign up for medicare part B?[NEWLINE]agent: When you sign up for Medicare  you will be asked if you want to enroll in Medical insurance Part B[NEWLINE][BOUNDARY][NEWLINE]user: what is SEP?


user: Hi, i'm receiving benefits, but i wanted to know if there is a chance i keep them now i'm looking to continue working.[NEWLINE]agent: No problem there. You may be still capable to receive those benefits.[NEWLINE]agent: Are you at full retirement age?[NEWLINE]user: Yes, i'm at that age.[NEWLINE]agent: Well, if that so, we will deduct the excess earning from your benefits.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I can't sign up for Medicare Plan B?[NEWLINE]agent: If that's the case, maybe your full coverage will be delayed and you may have to pay a bigger amount unless you qualify for SEP.[NEWLINE][BOUNDARY][NEWLINE]user: Who can get covered by Medicare?[NEWLINE]agent: Those who have reached age 65 or older.The program helps them with the cost of health care.[NEWLINE]user: What do the Medical insurance Part B? What is its function?[NEWLINE]agent: Medicare Plan B helps pay for doctors services and many other things.[NEWLINE][BOUNDARY][NEWLINE]user: We don't need to get any supplementary medical insurance, isn't?


user: Hello, I'm here to learn more about how you determine if a person is disabled.[NEWLINE]agent: Disability Home.[NEWLINE][BOUNDARY][NEWLINE]user: Do you have a publication about Medicare?[NEWLINE]agent: Yes, we do have a publication about Medicare.[NEWLINE][BOUNDARY][NEWLINE]user: That's great, I'll give it a read later. And when should I apply for disability benefits?[NEWLINE]agent: You should apply as soon as you become disabled.[NEWLINE]agent: Did you apply for Social Security?[NEWLINE]user: Yes, I did.[NEWLINE]agent: In that case disability benefits will not begin until the sixth full month of disability. The Social Security disability waiting period begins with the first full month after the date we decide your disability began.[NEWLINE][BOUNDARY][NEWLINE]user: Hm, that's interesting. Thank you for letting me know that there is a delay. Do you offer any other publications about disability benefits?[NEWLINE]agent: Yes, the Disability Starter Kit will help you get ready for your disability interview or online application. Kits are available for adults and for children under age 18.[NEWLINE][BOUNDARY][NEWLINE]user: When can I expect supplemental security income to be paid?[NEWLINE]agent: We pay SSI disability benefits for the first full month after the date you filed your claim, or, if later, the date you become eligible for SSI.[NEWLINE][BOUNDARY][NEWLINE]user: Are there any ways to apply for disability benefits other than by mail?


user: Hello, I would like to obtain information about disability benefits for a child under 18[NEWLINE]agent: do you want to apply for a child?[NEWLINE]user: yes[NEWLINE]agent: You will need to complete an SSI Supplemental Security Income Application AND a Child Disability Report. The report collects information on the child's disabling condition and how it affects their ability to function.[NEWLINE][BOUNDARY][NEWLINE]user: How do you find out if the income and resources of the parents and child are within the allowed limits?[NEWLINE]agent: PLEASE CONTACT Social Security right away to find out if the parent and child's income and resources are within the allowed limits, and to start the SSI application process[NEWLINE]user: Cómo solicitar beneficios por discapacidad para un menor[NEWLINE]agent: CHECK the Starter Kit for disabled children. This kit answers common questions about applying for Supplemental Security Income benefits for children, and includes a worksheet to help you gather the information you need.[NEWLINE]agent: Have you contacted Social Security?[NEWLINE]user: no[NEWLINE]agent: ALREADY CHECK the Starter Kit for Disabled Children?[NEWLINE]user: ya[NEWLINE][BOUNDARY][NEWLINE]user: How can I do if I need help?


user: what can you tell me aboutDisability Benefits | Apply For A Child (Under Age 18)[NEWLINE]agent: To apply for a child?[NEWLINE]user: yes[NEWLINE]agent: You will need to complete an Application for Supplemental Security Income SSI AND a Child Disability Report. The report collects information about the child 's disabling condition and how it affects his / her ability to function[NEWLINE][BOUNDARY][NEWLINE]user: If Applying for a child (under 18) what are the steps for Disability Benefits[NEWLINE]agent: FILL OUT the online Child Disability Report. At the end of the report,s [15] we will ask you to sign a form that gives the child 's doctor permission to give us information about his / her disability.[NEWLINE][BOUNDARY][NEWLINE]user: I need more information[NEWLINE]agent: Please contact us by phone or in person to schedule an appointment to complete the SSI application[NEWLINE]user: To apply for a child[NEWLINE]agent: The report collects information about the child 's disabling condition and how it affects his / her ability to function[NEWLINE][BOUNDARY][NEWLINE]user: If i do not want to do this report online or i need help


user: I'm looking for info about social security credits.[NEWLINE]agent: Of course. You should know that you must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: I heard about this work test. You see, I'm actually blind, so how is this supposed to work for me?[NEWLINE]agent: In that case you must only meet the duration of work test.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. Let's talk about survivors benefits. What if I'm already receiving retirement or disability benefits? Will my wife get those benefits?[NEWLINE]agent: If you still pay it at the time of your death, we will pay your survivors based on that entitlement. We will not have to determine your credits again.[NEWLINE][BOUNDARY][NEWLINE]user: You keep talking about those credits. How do I earn them?[NEWLINE]agent: Do you work and pay Social Security taxes?[NEWLINE]user: Yes, I currently do.[NEWLINE]agent: Then you earn up to a maximum of four credits per year.[NEWLINE][BOUNDARY][NEWLINE]user: And do I need anything else to be eligible for disability benefits?


user: Hello, I would like to obtain information about Social Security Credits[NEWLINE]agent: Of course You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: How much credit should I have before I become disabled?[NEWLINE]agent: you must have at least 20 credits in the 10-year period immediately before you become disabled[NEWLINE][BOUNDARY][NEWLINE]user: What is the Number of credits needed for retirement benefits?[NEWLINE]agent: were you born after 1928?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: What do I have to do to be eligible for disability benefits?[NEWLINE]agent: You must complete a recent work test and a duration work test.[NEWLINE][BOUNDARY][NEWLINE]user: What if I don't have enough credit?


user: how Keep my Information Secure[NEWLINE]agent:  Identity theft affects millions of people each year and can cause serious financial and identity - related problems.s   [73] Protect yourself by securing your personal information, taking the time to understand the threat of identity theft, and exercising caution[NEWLINE][BOUNDARY][NEWLINE]user: what steps can i take to help protect my personal information[NEWLINE]agent:  Do not routinely carry your Social Security card[NEWLINE][BOUNDARY][NEWLINE]user: what are my rights[NEWLINE]agent: Help ensure you get the retirement benefits you should by reviewing the basics like how we determine your benefit amount and who else in your family might be eligible. Visit our Learn About Retirement Benefits page to make sure you know the basics of retirement benefits[NEWLINE][BOUNDARY][NEWLINE]user: I need more information[NEWLINE]agent: Create a my Social Security account to help you keep track of your records[NEWLINE]user: How do I protect myself from fraud?[NEWLINE]agent: Social Security is diligently working at national, regional, and local levels to combat the fraud that undermines our mission to serve the American public.[NEWLINE][BOUNDARY][NEWLINE]user: How to report suspicious activity[NEWLINE]agent: you receive a suspicious call from someone claiming to be from Social Security


user: I was wondering if you have some resources about retirement benefits. I'm looking for some answers.[NEWLINE]agent: Of course. There are many time-saving options available to you, we have several online services.[NEWLINE]user: That's great and all, but what if I need help with managing my benefits and can not find the answer?[NEWLINE]agent: In that case you can visit our contact us page for other ways to get support.[NEWLINE]user: There are also several services available, right?[NEWLINE]agent: Correct. We continue to expand the services available online. Visit our online services page to see a complete list, including the newest services to help you manage your information. You can also search our comprehensive FAQs section for help with specific retirement issues.[NEWLINE][BOUNDARY][NEWLINE]user: That's good to know. And what can I do to keep my information safe?[NEWLINE]agent: Identity theft affects millions of people each year and can cause serious financial and identity-related problems. Protect yourself by securing your personal information, taking the time to understand the threat of identity theft, and exercising caution.[NEWLINE][BOUNDARY][NEWLINE]user: Sounds great. How do I report suspicious activity then?[NEWLINE]agent: Did you receive a suspicious call from someone claiming to be from Social Security?


user: hi can you help me with retirement planning[NEWLINE]agent: Planning is the key to creating your best retirement. You will have to plan and save for years to reach your retirement goals.[NEWLINE]agent: Do you know that many factors affect retirement planning?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: How can I Estimate my benefits?[NEWLINE]agent: The Retirement Calculator within my Social Security allows you to obtain personalized retirement benefit estimates based on your actual earnings[NEWLINE]user: What if I don't want to create a my Social Security account?[NEWLINE]agent: We have other tools and resources to help you estimate your benefit amount. Visit the Social Security Calculators page for more online and downloadable calculator options.[NEWLINE][BOUNDARY][NEWLINE]user: Can I be working, applying for retirement, or both?[NEWLINE]agent: Social Security Credits[NEWLINE][BOUNDARY][NEWLINE]user: And can I continue working if I receive the benefit?


user: What is Retirement Planning like?[NEWLINE]agent: Planning is the key to creating your best retirement. You ll need to plan and save for years to achieve your retirement goals[NEWLINE]agent: you want to know the factors affecting retirement planning[NEWLINE]user: yes[NEWLINE]agent: we want you to understand what Social Security can mean to you and your family s financial future[NEWLINE][BOUNDARY][NEWLINE]user: if i'm ready to retire?[NEWLINE]agent: Jump to a topic on this page[NEWLINE][BOUNDARY][NEWLINE]user: what can you tell me about Retirement Benefits[NEWLINE]agent:  We want you to know what Social Security can mean for you and your family s financial future[NEWLINE][BOUNDARY][NEWLINE]user:  what is the Early Retirement Age[NEWLINE]agent:  You can get Social Security retirement benefits as early as age 62[NEWLINE][BOUNDARY][NEWLINE]user:  Earning types with special rules


user: Hello there. I'm currently not receiving any benefits, but would like to apply for direct deposit. In the light of this I have some questions, hope you can answer them for me.[NEWLINE]agent: Are you currently NOT getting Social Security or SSI benefits but are planning to apply?[NEWLINE]user: Yes, that's the case.[NEWLINE]agent: Then you should tell the Social Security representative when you apply for benefits that you want to sign up for Direct Deposit.[NEWLINE]user: I see. And what if I already have an account?[NEWLINE]agent: If you already have an account, you should have your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: Will do. So, I have read about the Direct Express card. How can I get one of these?[NEWLINE]agent: It's quick and easy to sign up for the card. Call the toll - free Direct Express hotline at 1 - 800 - 333 - 1795. Social Security can help you sign up.[NEWLINE]user: I see. And what exactly can this card do for me?[NEWLINE]agent: The Direct Express card is a debit card you can use to access your benefits. And you don't need a bank account, we deposit your federal benefit payment directly into your card account.[NEWLINE]user: Sounds great. So do I need to contact my bank for direct deposit or is there another viable option?


user: Hello, I would like to know what happens if I am already receiving benefits?[NEWLINE]agent: Are you already receiving Social Security or SSI benefits?[NEWLINE]user: yes[NEWLINE]agent: to changing Social Security benefits online direct deposit?[NEWLINE]user: yes[NEWLINE]user: What if someone doesn't have an account?[NEWLINE]agent: You must open an account before you can sign up for Direct Deposit. You should compare prices in your area to find an account that has the features you want at a price you can afford.[NEWLINE]user: What do I do When I decide which account is right for me?[NEWLINE]agent: Inform the representative of the financial institution that you are interested in registering to receive your benefits through Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: What should I do if I am currently not receiving benefits?[NEWLINE]agent: tell the Social Security representative when you apply for the benefits you want to enroll in Direct Deposit.[NEWLINE][BOUNDARY][NEWLINE]user: y Does the Direct Express card not work?


user: My income has changed and I wanted to know how that affects my Medicare.[NEWLINE]agent: Has your income gone down due to any of the following situations, and does the change make a difference in the income level we consider?[NEWLINE]user: No, I actually earn more now.[NEWLINE][BOUNDARY][NEWLINE]user: Can you give me any information or sources to learn more about my Medicare?[NEWLINE]agent: Of course. Do you want more information about the income-related monthly adjustment amounts or to apply for Medicare Part A or B?[NEWLINE]user: Yes.[NEWLINE]agent: In that case you can visit our webpage Medicare Resources.[NEWLINE][BOUNDARY][NEWLINE]user: So can you tell me what will change, now that I earn more?[NEWLINE]agent: You'll pay a larger percentage of the total cost of Part B based on the income you normally report to the Internal Revenue Service IRS. You'll pay monthly Part B premiums equal to 35, 50, 65, 80, or 85 percent of the total cost, depending on what you report to the IRS.[NEWLINE][BOUNDARY][NEWLINE]user: What if I filed a federal income tax return for the year?


user: My income has changed and I wanted to know which impact this has on my retirement.[NEWLINE]agent: Has your income gone down due to any of the following situations, and the change makes a difference in the income level we consider?[NEWLINE]user: No. It has gone up, actually.[NEWLINE]user: What would happen if I earned less, like you suggested?[NEWLINE]agent: In that case we would need to see documentation verifying the event and the reduction in your income.[NEWLINE][BOUNDARY][NEWLINE]user: I see. So how exactly do you determine my income-related adjustment amounts?[NEWLINE]agent: Well, we use your most recent federal tax return the IRS provides to us. This information is from a tax return filed in 2019 for tax year 2018. Sometimes, the IRS only provides information from a return filed in 2018 for tax year 2017.[NEWLINE][BOUNDARY][NEWLINE]user: So if I had less income, what would I need to do? My wife has that issue currently.[NEWLINE]agent: In that case we need to see documentation verifying the event and the reduction in your income. The documentation you provide should relate to the event and may include a death certificate, a letter from your employer about your retirement, or something similar.[NEWLINE][BOUNDARY][NEWLINE]user: That's what I thought. And how high are the monthly medicare premiums?


user: what can you tell me about Social Security Direct Deposit[NEWLINE]agent: Are you already receiving benefits?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]agent:  Not currently receiving benefits?[NEWLINE]user: yes[NEWLINE]agent: you don t get Social Security or SSI benefits yet but are planning to apply?[NEWLINE]user: not[NEWLINE]agent: you already have an account?[NEWLINE]user: yes[NEWLINE]agent: have your checkbook or a copy of your bank statement with you.[NEWLINE][BOUNDARY][NEWLINE]user: If i already receive Social Security or SSI benefits and you have a bank account?


user: what can you tell me about Social Security Direct Deposit[NEWLINE]agent: Already receiving benefits?[NEWLINE]user: yes[NEWLINE]agent:  you already receive Social Security or SSI benefits and you have a bank account?[NEWLINE]user: not[NEWLINE]user: if i can use the card to make purchases, pay bills or get cash at thousands of locations?[NEWLINE]agent:  It s quick and easy to sign up for the card. Call the toll - free Direct Express hotline at 1 - 800 - 333 - 1795. Also, Social Security can help you sign up[NEWLINE]user:  If i already receive Social Security or SSI benefits and I have a bank account,  I can sign up for Direct Deposit?[NEWLINE]agent: calling Social Security toll - free at 1 - 800 - 772 - 1213 TTY 1 - 800 - 325 - 0778[NEWLINE]user:  If i do n't have an account


user: what can you tell me about Medicare Premiums: Rules For Higher-Income Beneficiaries[NEWLINE]agent:  The law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums[NEWLINE][BOUNDARY][NEWLINE]user:  If i have only one Medicare Part B or Medicare prescription drug coverage[NEWLINE]agent: you ll pay an income - related monthly adjustment amount only on the benefit you have[NEWLINE][BOUNDARY][NEWLINE]user: If i Disagree With Our Decision[NEWLINE]agent: you disagree with the decision we made about your income - related monthly adjustment amounts[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: If I amended your tax return[NEWLINE]agent: we counts and it changes the income to determine the income - related monthly adjustment amounts your MAGI, let us know.[NEWLINE][BOUNDARY][NEWLINE]user: I need more information[NEWLINE]agent: For more information about the income - related monthly adjustment amounts or to apply for Medicare Part A or B[NEWLINE]user: how I requested?


user: Hello, I have some questions about Medicare premiums.[NEWLINE]agent: Of course. First, you should know that the law requires an adjustment to your monthly Medicare Part B medical insurance and Medicare prescription drug coverage premiums. This affects less than five percent of people with Medicare.[NEWLINE]user: Could this mean that I have to pay a higher premium?[NEWLINE]agent: Yes, but most people don't pay higher premiums.[NEWLINE][BOUNDARY][NEWLINE]user: I see. Well, what if I filed a federal income tax return for the year?[NEWLINE]agent: In that case you need to show us your signed copy of the return. Use Form Medicare Income-Related Monthly Adjustment Amount Life-Changing Event to report a major life-changing event.[NEWLINE][BOUNDARY][NEWLINE]user: Does Medicare help me to pay for my prescribed drugs?[NEWLINE]agent: Yes. Medicare prescription drug coverage helps pay for your prescription drugs. The government pays a major portion of the total costs for this coverage, and the beneficiary pays the rest.[NEWLINE][BOUNDARY][NEWLINE]user: Makes sense. What can you tell me about monthly Medicare premiums?[NEWLINE]agent: You should be aware that the standard Part B premium for 2020 is $ 144.60.[NEWLINE]agent: Are you single and filed an individual tax return, or married and filed a joint tax return?


user: Hello, I would like to know how to apply for a disability benefits for a minor[NEWLINE]agent: CHECK the Starter Kit for Disabled Children.s [10] This kit answers common questions about applying for Supplemental Security Income benefits for children, and includes a worksheet to help you gather the information you need.[NEWLINE]agent: Do you want to find out if the income and resources of the parents and child are within the allowed limits?[NEWLINE]user: yes[NEWLINE]user: Who do I go to if I need help?[NEWLINE]agent: You can call us toll free at 1 - 800 - 772 - 1213[NEWLINE][BOUNDARY][NEWLINE]user: can I request it for a child?[NEWLINE]agent: You will need to complete an SSI Supplemental Security Income Application AND a Child Disability Report. The report collects information about the child's disburs condition and how it affects her ability to function. At this time, only the Child Disability Report can be completed online.[NEWLINE][BOUNDARY][NEWLINE]user: Who did I start the SSI application process with?[NEWLINE]agent: with Social Security[NEWLINE]user: What should I do with the report?


user: I could use some guidance on how to apply for a disabled child.[NEWLINE]agent: Of course. You should review the Child Disability Starter Kit. This kit answers common questions about applying for Supplemental Security Income SSI benefits for children, and includes a worksheet that will help you gather the information you need.[NEWLINE]agent: Did you contact Social Security to find out whether the income and resources of the parents and the child are within the allowed limits, and to start the SSI application process?[NEWLINE]user: Yes, I did. I talked to them yesterday.[NEWLINE]user: What if I don't want to do the disability report online?[NEWLINE]agent: In that case you can call us toll-free at 1-800-772-1213.[NEWLINE]user: And what if I'm hard of hearing? Do you have a number for that?[NEWLINE]agent: Of course. You can call our toll-free TTY number, 1-800-325-0778.[NEWLINE][BOUNDARY][NEWLINE]user: Great. Is there anything else I need to know regarding my application?[NEWLINE]agent: You will need to complete an Application for Supplemental Security Income SSI AND a Child Disability Report. The report collects information about the child's disabling condition and how it affects his/her ability to function. At this time, only the Child Disability Report can be completed online.[NEWLINE][BOUNDARY][NEWLINE]user: So now that I have contacted Social Security and made sure I fulfill the requirements I can apply for SSI, right?


user: it's not my case Social Security Credits[NEWLINE]agent: You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: If i are statutorily blind?[NEWLINE]agent:  you must only meet the duration of work test[NEWLINE][BOUNDARY][NEWLINE]user: what is the number of credits needed for retirement benefits[NEWLINE]agent: you were born after 1928?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: How Credits Are Earned[NEWLINE]agent:  The amount of earnings it takes to earn a credit may change each year[NEWLINE][BOUNDARY][NEWLINE]user: how to be eligible for disability benefits?


user: Hello, I would like to obtain information about Social Security Credits[NEWLINE]agent: Of course You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes.[NEWLINE][BOUNDARY][NEWLINE]user: can you please tell me the number of credits needed for retirement benefits[NEWLINE]agent: were you born after 1928?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: What happens when it comes to legal blindness?[NEWLINE]agent: in that case there is no recent proof of work requirement.[NEWLINE][BOUNDARY][NEWLINE]user: Can you tell me the amount of credits needed for survivor benefits?[NEWLINE]agent: The number of credits needed for family members to be eligible for survivor benefits depends on their age when they die. The younger you are, the less credits needed.[NEWLINE]agent: Are you already receiving retirement or disability benefits at the time of your death?


user: How to apply for retirement benefits with the local office[NEWLINE]agent: You can do most of your business with Social Security online[NEWLINE]agent: you can not use these online services?[NEWLINE]user: yes[NEWLINE]agent:  your local Social Security office can help you apply. Although our offices are closed to the public, employees from those offices are assisting people by telephone.[NEWLINE][BOUNDARY][NEWLINE]user: how to withdraw the application[NEWLINE]agent:  life changes occur after you submit your application.  You have up to 12 months to withdraw your application, if you change your mind[NEWLINE][BOUNDARY][NEWLINE]user: Help apply online[NEWLINE]agent: ou may help someone else fill out their application,[NEWLINE][BOUNDARY][NEWLINE]user: I need more information[NEWLINE]agent: your spouse or family member may be able to receive benefits on your record if they qualify[NEWLINE][BOUNDARY][NEWLINE]user: Get Your Social Security Benefit Verification Letter Online


user: I was wondering where I can find information for my application. I want to apply for retirement benefits.[NEWLINE]agent: Of course. Before you apply, be ready to provide your Social Security number and information.[NEWLINE]user: What else should I do to prepare for my application?[NEWLINE]agent: First gather the documents listed on our Checklist for Online Medicare, Retirement & Spouses Application. Instructions on how to submit your documents will appear at the end of the online application.[NEWLINE][BOUNDARY][NEWLINE]user: Can I withdraw my application if I change my mind?[NEWLINE]agent: Yes. Sometimes life changes occur after you submit your application. You have up to 12 months to withdraw your application, if you change your mind. You will be required to repay any benefits you've already received.[NEWLINE][BOUNDARY][NEWLINE]user: Alright. Can I fill out my application but wait before sending it in?[NEWLINE]agent: You can save your application to finish another time if needed. Next time you sign in, go to Return to a Saved Application.[NEWLINE][BOUNDARY][NEWLINE]user: What if during my retirement I want to live outside of the U.S.?[NEWLINE]agent: Contact the Federal Benefits Unit for your country of residence if you live outside the U.S. or a U.S. territory and wish to apply for retirement benefits.[NEWLINE][BOUNDARY][NEWLINE]agent: Do you want to know what an account is?[NEWLINE]user: Sure. Why not?


user: how do you Check your VA claim or appeal status[NEWLINE]agent:  Find out how to check the status of a VA claim or appeal online[NEWLINE][BOUNDARY][NEWLINE]user: Can I use the tool?[NEWLINE]agent: Do you have one of the following accounts? A Premium My HealtheVet account, or    A Premium DS Logon account used for eBenefits and milConnect,  or     that you can create here on VA.gov  A verified ID.me account[NEWLINE]user: yes[NEWLINE]agent: ok you just log into one of those[NEWLINE][BOUNDARY][NEWLINE]user: Will my personal information be protected if I use this tool?[NEWLINE]agent: yes[NEWLINE]agent: Do you plan on printing anything from this site?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: What if I don t see a document I sent to VA as evidence?[NEWLINE]agent: Certain documents don't appear online[NEWLINE][BOUNDARY][NEWLINE]user: Can i use this tool to check the status of a claim


user: What can I do if I don't agree with a board decision?[NEWLINE]agent: Do you have new and relevant evidence to support your case?[NEWLINE]user: Yes, I have new and relevant information that will support my case.[NEWLINE]agent: Then you may file a Supplemental Claim or appeal to the U.S. Court of Appeals for Veterans Claims.[NEWLINE][BOUNDARY][NEWLINE]user: When can I request a Board Appeal?[NEWLINE]agent: You can request a Board Appeal after an initial claim, Supplemental Claim, or Higher-Level Review decision; and you can't request to appeals in a row.[NEWLINE][BOUNDARY][NEWLINE]user: Is there help available with a decision review?[NEWLINE]agent: A Veterans Service Organization or VA-accredited attorney can help you request a decision review.[NEWLINE][BOUNDARY][NEWLINE]user: I have more questions, how do I find the answers?[NEWLINE]agent: You can look at frequently asked questions about decision reviews under FAQs.[NEWLINE][BOUNDARY][NEWLINE]user: If VA schedules an exam what do I do?


user: hg[NEWLINE]agent: gh[NEWLINE][BOUNDARY][NEWLINE]agent: gh[NEWLINE]user: hg[NEWLINE][BOUNDARY][NEWLINE]user: And how do you know that the money you'll give wil be enough?[NEWLINE]agent: We do a research and rate the amount we'll provide to help you pay for the basic needs you might have like food and clothing.[NEWLINE][BOUNDARY][NEWLINE]user: And how I get this benefits?[NEWLINE]agent: The eligibility for this benefit is related to if you have or not a disability related to your service which limits you ability to work or prevent you from working.[NEWLINE][BOUNDARY][NEWLINE]user: And how do I know which options do I have?[NEWLINE]agent: The life insurance explore your life, that way you will know how you will do your aplication if as a service member, veteran or family member.[NEWLINE]user: Are there any other benefits?[NEWLINE]agent: You can also get access to educational benefits if you are a veteran, reservist or national guard soldier[NEWLINE][BOUNDARY][NEWLINE]user: Is there any help or contact with someone for emotional help?[NEWLINE]agent: You can connect with our caring Veterans Crisis line for confidential help. Many of them are also Veterans.[NEWLINE][BOUNDARY][NEWLINE]user: Do you help veterans to find jobs?


user: what is Military sexual trauma (MST)[NEWLINE]agent: do you need support?[NEWLINE]agent: do you need support?[NEWLINE]user: no[NEWLINE][BOUNDARY][NEWLINE]user: what is MST[NEWLINE]agent:  Military sexual trauma MST refers to sexual assault or repeated, threatening sexual harassment that happened while a Veteran was in the military[NEWLINE][BOUNDARY][NEWLINE]user: How do I access VA services for MST?[NEWLINE]agent:  If you have a VA primary care provider, talk to that professional about what you ve been through[NEWLINE]user: are all the providers trained in mst?[NEWLINE]agent: yes[NEWLINE][BOUNDARY][NEWLINE]user: How do I talk to someone right now?


user: I need information about what happens after applying for the GI Bill please.[NEWLINE]agent: Yes I can.[NEWLINE]agent: Were you asked for any documents?[NEWLINE]user: Yes.[NEWLINE]agent: Then you must go to the GI Bill website and upload them.[NEWLINE]user: What if I need to male changes to my first application?[NEWLINE]agent: Sorry but you can't make changes to your application.[NEWLINE][BOUNDARY][NEWLINE]user: How do I know if I'm eligible for benefits?[NEWLINE]agent: First you must submit certain documents and apply.[NEWLINE][BOUNDARY][NEWLINE]user: Where do I send this, to my home town GI Bill office?[NEWLINE]agent: No you must mail it to the VA regional claims processing office that's in the same location as your school.[NEWLINE][BOUNDARY][NEWLINE]user: Can I submit my documents online?


user: Hey there. I need help avoiding a mortgage foreclosure.[NEWLINE]agent: Of course. Are you falling behind on your mortgage payments then?[NEWLINE]user: Yes, I am. This is why I'm here.[NEWLINE]agent: I understand. You should know, that if you fall far behind on your mortgage payments, your mortgage servicer, the company that handles collecting the money for your lender, can take your house to cover the money owed. This process is called foreclosure. I can help you find out how our VA loan technicians can help you avoid foreclosure and keep your house.[NEWLINE][BOUNDARY][NEWLINE]user: I have a VA direct loan. Can someone take care of my case?[NEWLINE]agent: If you have a VA direct or VA-backed loan and it's 61 days past due, we'll automatically assign a VA Loan Technician to your loan.[NEWLINE][BOUNDARY][NEWLINE]user: That sounds good. Is there something that can help me avoid foreclosure?[NEWLINE]agent: Yes, a repayment plan can help you avoid foreclosure.[NEWLINE][BOUNDARY][NEWLINE]user: Can't you talk to my servicer? I don't know how to do it.[NEWLINE]agent: If you need our help and advice, please contact a VA Loan Technician at 1-877-827-3702.[NEWLINE][BOUNDARY][NEWLINE]user: My loan is more than 60 days past due, can you get someone to help me please?[NEWLINE]agent: Don't worry. If you have a VA direct or VA-backed loan and it's 61 days past due, we'll automatically assign a VA Loan Technician to your loan.[NEWLINE][BOUNDARY][NEWLINE]user: What happens if I owe more money than my house is worth?


user: What if my records were destroyed in fire?[NEWLINE]agent:  In 1973 a fire at the National Personnel Records Center NPRC in St. Louis, Missouri, destroyed the records held for Veterans who were discharged from the Army and Air Force during certain periods of time[NEWLINE][BOUNDARY][NEWLINE]user:  Were my records destroyed in the 1973 NPRC fire in St. Louis?[NEWLINE]agent:  Your records may have been destroyed in the fire if you were discharged from either :sThe Army between November 1, 1912, and January 1, 1960  The fire destroyed 80 % of the records held for Veterans discharged from the Army during this time period[NEWLINE][BOUNDARY][NEWLINE]user: where do I submit my disability compensation claim?[NEWLINE]agent: Submit your disability compensation claim, NA Form 13055, and any supporting documents[NEWLINE]agent: Do you need to file a claim involving reconstructing of records?[NEWLINE]user: not at this time[NEWLINE]user: where do I Get instructions for filing a disability claimGet help from a trained professiona[NEWLINE]agent: Get instructions for filing a disability claimGet help from a trained professiona[NEWLINE][BOUNDARY][NEWLINE]user: How can I get the records I need to support my VA disability compensation claim?


user: Oh, hello. I'm here to learn more about health care for spouses. Can you help me out?[NEWLINE]agent: Of course. Are you the spouse, surviving spouse, dependent child or family caregiver of a Veteran or service member then?[NEWLINE]user: No, I'm not. You see, I'm trying to get information for my sister, she has problems doing that on her own due to her disability.[NEWLINE][BOUNDARY][NEWLINE]user: So, she has been married to a service member who died on duty, his surviving spouse. And we heard about the health program. Does she qualify for this?[NEWLINE]agent: Yes, in your case you may be able to get health insurance through CHAMPVA. Through this program, we cover the cost of some of your health care services and supplies.[NEWLINE][BOUNDARY][NEWLINE]user: Does this mean she might also qualify for health care benefits then?[NEWLINE]agent: Yes, she may qualify for health care benefits. In certain cases, people may also qualify for health care benefits due to a disability related to their Veteran's service.[NEWLINE][BOUNDARY][NEWLINE]user: Great. She'll be happy to hear that. What is the name of the program again?[NEWLINE]agent: The Program of Comprehensive Assistance for Family Caregivers, she may qualify for health care benefits and other caregiver support through it.[NEWLINE][BOUNDARY][NEWLINE]user: Great, great. Now, her disabilities require medication, are there any prescreption benefits through our local pharmacy if we sign up for a program?[NEWLINE]agent: Yes, you can get prescription benefits through your local pharmacy or through our Meds by Mail program.[NEWLINE][BOUNDARY][NEWLINE]user: I've also read about the Camp Lejeune Family Member Program, how can I find out if my sister qualifies for it?


user: what happens after After you apply for health care benefits[NEWLINE]agent: After you have applies, we send a letter in the mail to let you know if you were approved[NEWLINE][BOUNDARY][NEWLINE]user: When will I hear back about it?[NEWLINE]agent: have you already applied?[NEWLINE]user: yes[NEWLINE]agent: In less than 1 week[NEWLINE][BOUNDARY][NEWLINE]user: If it is approved what happens next?[NEWLINE]agent: Wait for your welcome call from VA. We ll call you to welcome you to the VA health care program, help you with scheduling your first doctor s appointment, and answer any questions you may have about your health care benefits[NEWLINE]user: Do I get some sort of card?[NEWLINE]agent:  contact your local VA medical center and speak with the enrollment coordinator[NEWLINE]user: what if I requested a doctor appointment?[NEWLINE]agent: we ll set up an appointment for you with a VA doctor or provider and send you a notice with your appointment time in the mail[NEWLINE]user:  If you approve my application, what do I do next?