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Social Security for Richmond Seniors

For many aging adults, the thought of living on a fixed income while the cost of living continues to rise, is unsettling. Residents of Richmond, Virginia, are fortunate to live in an area that has low taxes and an affordable cost of living. According to, the sales tax is only 5.3% on retail items, which is below the United States average. Housing costs in Richmond are 79% of what residents in other states pay. The positive economic climate in Richmond, Virginia, makes it easier for seniors to enjoy their retirement.

Social Security Office Locations in Richmond

The Social Security Administration determines eligibility and pays benefits to those who are entitled to it or survivors who are entitled to it. You can complete a large part of your Social Security application by visiting the Social Security website.

There is only one Social Security office in Richmond, which is located one block from Meadow Street at the intersection of Cary St. and Granby St. You can find it at the following address:

Richmond Social Security Office 1834 West Cary Street Richmond, VA – 23220 Phone 800-772-1213 for an appointment

The office is open during the following hours:

Monday- 9:00 AM - 4:00 PM Tuesday- 9:00 AM - 4:00 PM Wednesday- 9:00 AM - 12:00 PM Thursday- 9:00 AM - 4:00 PM Friday- 9:00 AM - 4:00 PM

The Social Security office is closed on weekends and on all federal holidays.

Social Security versus Pensions

Employers deduct Social Security taxes from their employee’s income which is then paid back to them at retirement. Pensions are pre-funded. This means that money is accumulated in advance so that it’s available to pay out to workers when they retire. Pre-funded plans protect employees in the event that the company enters bankruptcy or goes out of business.

While all pensions are pre-funded, there are distinguishing factors between private and public pensions. Public pensions are provided by governments and private pensions are provided by companies. This is because many public employees don’t contribute to Social Security funds, so they are considered non-covered workers. These employees are not eligible for Social Security retirement benefits and their pensions may be one of their resources for retirement income.

Online Account at MySocialSecurity

The Social Security Administration encourages workers to set up a personal account on their website at MySocialSecurity. Setting up your personal online account allows you to perform the following tasks:

Request a replacement Social Security card Obtain your Social Security Statement Estimate future retirement, disability and survivor’s benefits Review annual earnings to be sure they are posted correctly Review the estimated Social Security and Medicare taxes you’ve paid Obtain a benefit verification letter

You don’t have to wait until you are ready to retire to set-up your online Social Security account. You will be asked to provide your contact and other information. You will also be asked some personal questions that only you would likely know the answers to. This is to protect your identity from online predators.

Learn more about Financial Assistance for Richmond Seniors here:

Medicaid in Richmond

Richmond Veterans Benefits

Medicare in Richmond

Top Richmond Senior Discounts

Richmond Family Caregiver Benefits

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