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Social Security: Social Security benefits you

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We take pride in having provided vital benefits and services to this great nation for 86 years. America has a diverse population with a variety of needs. To meet those diverse needs, we’ve created web pages that speak directly to groups of people who may need information about our programs and services. These pages are easy to share with friends and family on social media. Here are just a few resources that might help you or someone you love:

• We proudly serve wounded warriors and veterans, who made sacrifices to preserve the freedoms Americans treasure. Many veterans do not know they might be eligible for disability benefits from Social Security. Please share this page with them to make sure they get the benefits they deserve: www.ssa.gov/people/veterans.

• Social Security plays an important role in providing economic security for women. Nearly 55 percent of the people receiving Social Security benefits are women. A woman who is 65 years old today can expect to live, on average, until about 87. A 65-year-old man can expect to live, on average, until about 84. With longer life expectancies than men, women tend to live more years in retirement and have a greater risk of exhausting their sources of income.

Women often have lower lifetime earnings than men, which usually means lower benefits. Women need to plan early and wisely for retirement. We’re here to help with valuable information. Please share this page with someone who needs this information and may need help planning for their golden years: www.ssa.gov/people/women.

• Do you know someone who is just starting their career? Now is the best time for them to start preparing for retirement. Social Security benefit payments provide only a portion of retirement income. Those starting their careers should begin saving early to have adequate income in retirement. Please share this page with a young worker you know: www.ssa.gov/people/earlycareer.

These are just a few of the web pages tailored to specific groups’ needs. You can check out our People Like Me home page at www.ssa.gov/people to see all of them.

Medicare Q&A:

Q: If I retire at age 62, will I be eligible for Medicare?

A: No. Medicare starts when you reach 65. If you retire at 62, you may be able to continue medical insurance coverage through your employer or purchase it from a private insurance company until you become eligible for Medicare. For more information, read Medicare at www.ssa.gov/pubs, or call us at 1-800-772-1213 (TTY 1-800-325-0778).

Q: Is it true that if you have low income you can get help paying your Medicare premiums?

A: Yes. If your income and resources are limited, your state may be able to help with your Medicare Part B premium, deductibles and coinsurance amounts. State rules vary on the income and resources that apply. Contact your state or local medical assistance, social services, or welfare office or call the Medicare hotline, 1-800-MEDICARE (1-800-633-4227), and ask about the Medicare Savings Programs. If you have limited income and resources, you also may be able to get help paying for prescription drug coverage under Medicare Part D. Call Social Security at 1-800-772-1213 (TTY 1-800-325-0778) or call any Social Security office. Also, see our publication, Medicare, at www.ssa.gov/pubs/10043.html. For even more information, visit www.ssa.gov.

This column was prepared by the Social Security Administration. For fast answers to specific Social Security questions, contact Social Security toll-free at 800-772-1213 or visit www.socialsecurity.gov.

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Every year on Veterans Day, we honor the people who risk their lives to protect our country. Our disability program is part of our obligation to wounded warriors and their families. Social Security is an important resource for military members who return home with injuries. If you know a wounded veteran, please let them know about our Wounded Warriors web page, www.ssa.gov/woundedwarriors.

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