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Old 08-10-2017, 01:45 PM
 
Location: Kansas City
726 posts, read 928,847 times
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I want to read up on Social Security and what I need to do and when I need to do it.
BUT, the Social Security website has epublications.
Where can I find SS publications that can/will be mailed to me?
Thank you.
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Old 08-10-2017, 02:13 PM
 
Location: 5,400 feet
2,623 posts, read 2,579,257 times
Reputation: 3674
You may have to pick them up in person at an office, if they're still available on paper. I doubt they mail them out any longer.

Their online documents are in pdf format and readable on their web site or downloadable to your computer (and also printable). if you don't have a pdf reader, Adobe is the most common and is a free download.
https://get.adobe.com/reader/

Otherwise, try the S/S toll free number - 1-800-772-1213.
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Old 08-10-2017, 07:07 PM
 
Location: OH>IL>CO>CT
5,236 posts, read 8,406,103 times
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You can write, call or e-mail a request for publications.

Go to webpage https://www.ssa.gov/pubs/?topic=Retirement

In the upper right is a pop-up titled "Order".

Click on it for the address, phone # or e-mail link.

Call or send them a list of which Pubs you want.
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Old 08-11-2017, 03:24 AM
 
71,593 posts, read 71,751,865 times
Reputation: 49199
Quote:
Originally Posted by Dawter View Post
I want to read up on Social Security and what I need to do and when I need to do it.
BUT, the Social Security website has epublications.
Where can I find SS publications that can/will be mailed to me?
Thank you.
you can get easier explanations just googling it .

the problem with the publications is they do not mesh taking ss with the rest of your personal situation .

how your choices integrate in to your own plan can be very important and that is something you won't get from their publications .

the rules of social security are one thing .the effect of the choices you make in your own situation are quite another .

because social security ends up being a moving target tax wise many situations require careful planning .

as an example ,in the situation below just taking an extra 1k from an ira can end up having that money hit with the equal of a 46% marginal tax rate because of the way ss gets taxed .

Harry is an individual with $36,000 of income but a hefty $22,000/year of Social Security benefits. His Social Security provisional income is $36,000 + $11,000 = $47,000, which is $13,000 over the upper threshold for individuals. As a result, $15,550 of his Social Security benefits are subject to taxation (which is 50% of the amount from $25,000 to $34,000, plus 85% of the excess of provisional income above the $34,000 threshold), which puts his AGI at $51,550. Even after a standard deduction and one personal exemption, Harry's taxable income would be $51,550 - $6,100 - $3,900 = $41,550, which places him in the 25% tax bracket.

If Harry now takes an additional $1,000 from his IRA, his provisional income increases to $48,000, his taxable Social Security benefits increase to $16,400, and his AGI rises to $53,400. The net result: Harry's AGI increased by $1,850 for "just" a $1,000 IRA withdrawal, and with a 25% tax bracket his liability will be $1,850 x 25% = $462.50, which equates to a whopping $462.50 / $1,000 = 46.25% marginal tax rate!


so these are the types of things i refer to when i say the publications will not help you much . the mechanics of filing for ss is very different than the implementation of ss in to your over all plan .

there are quite a few on line companies that for a fee will do a pretty comprehensive look at your situation and advise the best course of action .

one i like is social security solutions .

http://www.socialsecuritysolutions.com/howitworks.php

Last edited by mathjak107; 08-11-2017 at 03:42 AM..
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Old 08-11-2017, 05:29 AM
 
Location: Central IL
15,238 posts, read 8,532,850 times
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Very interesting, Mathjak - I would be itching to find out more but I'm guessing it is more valuable to wait a bit closer to retirement? At what point did you first consult with social security solutions?
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Old 08-11-2017, 05:35 AM
 
71,593 posts, read 71,751,865 times
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i never did . i learned everything on my own.

eventually 1 year before i retired fidelity had some new in house software for optimizing ss that they used us as guinea pigs on . it came up with an interesting plan but i didn't want or need to wait until 70
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Old 08-12-2017, 06:39 AM
 
Location: Kansas City
726 posts, read 928,847 times
Reputation: 602
Thank you all. I'm looking at some of the links you sent now. I did call Social Security and they said they stopped hard copies in December 2016. It's all epublications.
When you go to their website and select publications you want and you "order" them, you're only ordering which ones you want to download, not real paper.
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Old 08-12-2017, 08:13 AM
 
Location: Central Massachusetts
4,800 posts, read 4,848,939 times
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Quote:
Originally Posted by Dawter View Post
Thank you all. I'm looking at some of the links you sent now. I did call Social Security and they said they stopped hard copies in December 2016. It's all epublications.
When you go to their website and select publications you want and you "order" them, you're only ordering which ones you want to download, not real paper.
But if you have a printer in the house you can print them. You can even enlarge the print for easier reading. You are not stuck looking at them on a tablet or monitor.
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Old 08-21-2017, 11:26 AM
 
Location: OH>IL>CO>CT
5,236 posts, read 8,406,103 times
Reputation: 7191
Quote:
Originally Posted by Dawter View Post
Thank you all. I'm looking at some of the links you sent now. I did call Social Security and they said they stopped hard copies in December 2016. It's all epublications.
When you go to their website and select publications you want and you "order" them, you're only ordering which ones you want to download, not real paper.
FWIW, I requested, by the e-mail address given at https://www.ssa.gov/pubs/?topic=Retirement a hard copy of a Pub.

It arrived in today's snail-mail. As usual at SSA, the right-hand doesn't seem to talk to the left-hand.
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Old 08-22-2017, 10:32 AM
 
13,915 posts, read 7,411,228 times
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Quote:
Originally Posted by reneeh63 View Post
Very interesting, Mathjak - I would be itching to find out more but I'm guessing it is more valuable to wait a bit closer to retirement?
I think everyone needs to understand how Social Security works long before they're approaching retirement. It's part of the whole personal finance puzzle and a big chunk of that is working out how you're going to fund your retirement.
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