Phoenix, Arizona, is gaining in popularity as one of the most popular states to retire in, over the state of Florida. In addition to the sunny climate and beautiful golf courses, Arizona is one of the most tax-friendly states in the country. A 1984 federal law allows states to tax Social Security income. About half of the states have chosen to tax Social Security income, but Arizona is not one of them. This means that Arizona residents get to keep more of their Social Security benefit and will have an easier time living on a fixed income.
There are two Social Security Offices in Phoenix. One of them is located in downtown Phoenix and the other lies in the northern metropolitan Phoenix area.
Phoenix Downtown Social Security Office 85007 250 N Seventh Ave Phoenix, AZ 85007 Phone (800) 772-1213 TTY (800) 325-0778
General directions-7th Ave South of The I-10 Between Van Buren and Adams St.
Phoenix Northern Area Social Security Office 85032 16241 N Tatum Blvd Phoenix, AZ 85032 Phone (800) 772-1213 TTY (800) 325-0778
General directions-2 Blocks South of Bell Rd. On Tatum Blvd.
Social Security offices are open Monday, Tuesday, Thursday, and Friday from 9:00 am until 4:00 pm, and on Wednesdays from 9:00 am until noon. The offices are closed on weekends and on all federal holidays.
It’s possible for one spouse to receive the other spouse’s Social Security benefit if one of them passes away as a survivor benefit. If the remaining spouse is at full retirement age, that spouse is entitled to 100% of the deceased spouse’s benefit at the time of death. If the deceased spouse had not taken benefits, the widowed spouse is entitled to receive 100% of what the deceased would have received if he or she had applied for benefits. Widowed spouses that apply for survivor benefits after the age of 60, but before full retirement age, will receive a reduced benefit.
A widowed spouse who remarries before the age of 60 is not entitled to the former spouse’s Social Security benefits. Spouses remarrying after the age of 60 may be able to receive survivor benefits. Eligible children may also be entitled to survivorship benefits up to 75% of the deceased parent’s benefits.
It’s possible to continue working while collecting Social Security benefits without affecting your Social Security amount. Commonly known as the “earnings test,” for every $2 that you make in income over the earnings threshold of $15,720, you will lose $1 in Social Security benefits. Once you reach full retirement age, the earnings test disappears and you can work as much as you choose, with no impact on benefits.
If you choose to work during early retirement and have a reduced benefit as a result, your benefits will be refigured at the age of full retirement, taking into account benefits that you lost because of income that you earned during that time. Your benefits will be increased accordingly at the age of full retirement. This means that you won’t lose all of your Social Security benefit if you choose to work prior to full retirement and earn over $15,720.
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