Senior citizens residing in Columbus, Ohio, enjoy living in a temperate climate with the benefit of all four seasons. They also find it easier to live on a fixed income, like Social Security, because of the low cost of living. According to SeniorAdvisor.com, Ohio’s cost of living is 82% of the national average and the housing costs are only 56% of the national average. Applying for Social Security in Columbus is easy, whether you apply at one of the conveniently located offices, or apply online in the convenience of your home.
You can apply for Social Security at one of the three Social Security offices in Columbus. It’s best to call and schedule an appointment before going in. The addresses and phone numbers are:
4177 East Broad Street Columbus, OH - 43213 800-772-1213
200 North High Street Columbus, OH - 43215 800-772-1213
1060 Georgesville Road Columbus, OH - 43228 800-772-1213
Office hours are Monday, Tuesday, Thursday, and Friday from 9:00 am until 4:00 pm, and on Wednesdays from 9:00 am until noon. Like other federal government offices, Social Security offices are closed on all federal holidays.
The earliest age that you can retire is age 62, but depending upon the year that you were born, you’ll get a higher benefit by delaying retirement to age 67. The Social Security Administration has an online Retirement Estimator. You’ll need to create a secure online account to use the estimator. The Social Security Administration rules require each person to set-up their own online accounts. You may not set-up an account for another person, even if you are their designated personal representative.
There are different online estimators for Medicare recipients, survivors, and people with disabilities, so be sure to use the right calculator. You should also know that the online calculator only provides an estimate. It is not an accurate figure of what you will actually receive when you apply for benefits. You need 40 Social Security credits before the estimator will show the estimate of benefit. You can only earn up to four credits per year, so you will need to work at least ten years before you will see any Social Security benefit at all.
Most employees pay taxes into the Social Security Trust Fund. When making a decision about at what age you should retire, you may want to consider that you will also have to pay income taxes on your Social Security benefit payments. In 1984, the federal government passed a law that allows Social Security payments to be taxed. The income for triggering the tax on Social Security has not been increased since the 1984 law was passed. Married couples with a combined income of $32,000 may have to pay income tax on up to 50% of their benefits. Workers with high earnings may have to pay income tax on up to 85% of their benefits.
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