Social Security Retirement
What is the Social Security Retirement Program?
The Social Security Retirement Program is a federal insurance program for eligible workers 62 years and over. The program provides cash benefits for retired workers who have worked in Social Security covered jobs and have earned enough credits to qualify. Family members may also qualify for benefits based on the work record of the eligible worker. Most workers in Massachusetts take part in the Social Security retirement system.
Am I eligible?
You are eligible for Social Security retirement benefits if you are an employee or a self-employed worker, age 62 or over, who has earned the required Social Security credits during your working years. If you qualify for Social Security retirement benefits, certain members of your family may be eligible for family benefits based on your work record.
What benefits will I get?
You will get a monthly Social Security check for the rest of your life. The amount you get depends on your age at retirement, the number of years you worked, and the amount you earned in Social Security covered employment. You will also get Medicare coverage, starting at age 65. Your spouse, dependent children, and ex-spouse can get benefits based on your work record, up to 50% of your monthly benefits.
How do I apply?
There are three ways to apply for Social Security retirement benefits:
How do I use my benefits?
Social Security pays benefits to you once each month. You may choose to have your benefits deposited directly into your bank account or into a Direct Express debit account.
More information about the Social Security Retirement Program is on our statewide web site, MassResources.org. When you click on the link below, you will go to MassResources.org. Click "Back" on your browser to return to WorcesterResources.org.