Preenchimento antecipado do seguro social: quando faz sentido

“É melhor pedir a Previdência Social mais tarde do que antes”, é o conselho comum espalhado por consultores financeiros e leigos. Afinal, se você atrasar o recebimento dos benefícios o máximo possível, os pagamentos podem aumentar significativamente.

A vantagem de adiar a obtenção dos benefícios se aplicará (e atrairá) à maioria das pessoas. Mas o depósito mais cedo (ou assim que for elegível) pode ser a escolha certa para muitas pessoas também. Aqui estão algumas situações em que isso pode ser aplicável.

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Você deseja se aposentar agora – ou será aposentado a contragosto

A menos que você tenha outras formas de renda, solicitar o Seguro Social é a única maneira de sobreviver sem um emprego estável. Se você for despedido ou achar seu emprego muito difícil de manter, pode ser mais fácil se aposentar e receber seus benefícios antecipadamente. Embora a mentalidade gaste agora / preocupe-se com isso mais tarde seja tipicamente tóxica quando se trata de66 ou 67 anos. Tomar antes dessa data reduzirá seu benefício mensal.

Você está com má saúde

Embora a expectativa de vida continue a aumentar, muitos idosos ainda se preocupam em morrer cedo. Se você tem uma condição crônica ou uma doença terminal, pode considerar receber seus benefícios o quanto antes. “Atrasar os benefícios não faz sentido se houver uma boa chance de você não estar por perto para aproveitá-los”, diz CFP Jennifer Davis, da Halpern Financial.

Você tem dependentes

Se você tiver filhos ou outros parentes que se qualifiquem como dependentes em sua declaração de impostos, eles podem se qualificar para benefícios de dependentes quando você receber seus pagamentos de Seguro Social.  A matemática pode funcionar para todos. Os detalhes podem ser confusos para o leigo; portanto, consulte um consultor qualificado.

Você é divorciado ou tem um cônjuge falecido

O depósito antecipado pode fazer sentido financeiramente para aqueles que são divorciados, mas estão casados ​​há pelo menos 10 anos, bem como para aqueles que perderam um parceiro.  Os benefícios para sobreviventes podem ser uma grande vantagem, especialmente para um idoso solteiro. Cada pessoa pode reivindicar um benefício (próprio ou do cônjuge) de cada vez e aguardar para receber o outro benefício posteriormente.

Seu cônjuge pode se beneficiar mais tarde

Se você ainda for casado, talvez só precise receber os benefícios do Seguro Social de uma pessoa antecipadamente. Essa estratégia pode lhe dar alguma renda imediatamente, enquanto os benefícios da outra pessoa continuam a crescer.  Certifique-se de fazer as contas com a calculadora oficial da Previdência Social.

Você não tem outros ativos

A Previdência Social nunca foi destinada a ser o único suporte dos anos de aposentadoria das pessoas; para a maioria das pessoas, é (ou deveria ser) um complemento à sua renda. Mas suponha que um mercado em baixa violento tenha causado estragos em seus planos e contas de aposentadoria? Por exemplo, a Grande Recessão de 2008 foi uma virada de jogo, apagando os ganhos de uma década em muitas carteiras de investimento. Se continuar a trabalhar não é uma opção, pode ser melhor garantir um fluxo de renda estável imediato por meio de seus benefícios.

The Bottom Line

O conselho comum ainda é válido para muitos, portanto, não presuma automaticamente que solicitar o seguro social com antecedência é uma boa ideia. “É importante evitar a tentação de aceitar o Seguro Social logo porque ele está disponível”, diz Davis. “Pode ser a única fonte estável de renda (que cresce com o custo de vida) que um indivíduo tem.”

Se você não tiver certeza de como sua situação é aplicável, consulte um consultor.