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Follow these steps to create an online my social security account and get 24/7 access to your earnings history, estimated benefits and more. If you claim earlier, the benefit amount is reduced, to as low as 32.5 percent of your ex's full benefit if you file at 62. As the social security administration stops sending paper account statements you should open a my social security online account to manage benefits.

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Find out how much you can receive from social security if you are eligible for more than one type of benefit. Watch this free aarp webinar for expert guidance on avoiding social security pitfalls that could cost you money Collecting social security benefits at 62 vs

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If your mate isn’t yet on social security, you can claim your retirement benefit at 62 (or later) and switch to spousal benefits when they do file. This calculator estimates your monthly social security retirement benefits based on your earnings history and the age when you start to claim benefits. When a social security beneficiary dies, his or her spouse may be able to collect survivor benefits Learn whether you qualify and how to apply.

You can ask social security for a suspension of retirement benefits if you are past full retirement age but still under 70. Nothing precludes you from getting both a pension and social security payment, and a recent federal law ensures the pension won’t change your benefit.