BENC05 – CAPTION

You May Choose Not To Receive Benefits Right Now

BENC06 – CAPTIONS

Social Security Benefits Can Affect SSI Payments

BENH01 – REFER TO WORKSHEET HEADER NL 00730.149C

BEN008 – EXPLAINS VOLUNTARY DELAYED RETIREMENT CREDITS (DRC) TO THE BENEFICIARY

You may choose to delay benefits on your own Social Security number beginning (1). Social Security benefits increase by a certain percentage if you delay retirement. We call this a delayed retirement credit. You can earn a credit for each full month after age (2) that you do not receive a monthly benefit. You can earn credits for any months before age 70.

While we cannot give financial advice, we can point out some things to consider. For example, you may want to consider:

• •

  How your monthly benefit amount in the future would compare with your monthly benefit amount today;

• •

  How long it will take for future higher benefits to make up for benefits you choose not to receive now; and

• •

  The effect that Social Security benefits may have on your income taxes or private pension(s).

Please go to our Internet website at www.socialsecurity.gov for more information about delayed retirement credits. At this website, you can find out how much your benefit may increase.

Please contact us right away if you would like to earn these delayed retirement credits instead of receiving benefits. Please use the telephone number or address shown below.

If you choose to earn these credits and later change your mind, just contact us and we will start your monthly retirement benefits.

BEN010 – EXPLAINS TO THE WORKING BENEFICIARY THAT BENEFITS FOR A PRIOR YEAR ARE CHANGING

We changed your benefits for (1). Our records show that you earned (2) in (3).

BEN011 – EXPLAINS TO THE WORKING BENEFICIARY THAT HE OR SHE HAS BEEN INCORRECTLY PAID FOR THE CURRENT YEAR

We changed your benefits for (1). Our records show that you expect to earn (2) (3).

BEN012 – EXPLAINS TO THE WORKING BENEFICIARY THAT HIS OR HER BENEFITS FOR MULTIPLE YEARS ARE CHANGING

We changed your benefits for the following years:

BEN013 – A CHART HEADING UTI ALONG WITH BEN014, PROVIDES THE WORKING BENEFICIARY THE EARNINGS PREVIOUSLY ON THE RECORD AND THE EARNINGS NOW REPORTED

Year Earnings You Reported Earnings On Our Records

BEN014 – PROVIDES THE WORKING BENEFICIARY INFORMATION ABOUT EARNINGS PREVIOUSLY ON THE RECORD AND THE EARNINGS BEING NEWLY REPORTED IN A CHART - FOLLOWS BEN013

(1) (2) (3)

BEN015 – TELLS THE BENEFICIARY THAT MONTHLY BENEFITS CAN BE PAID WHEN THE ANNUAL REPORT DATA IS CHANGING

We can (1) pay you monthly benefits.

BEN016 – LEDGER ACCOUNT FILE (LAF) S TO LAF S, NO CHANGE IN HISTORY REASON FOR SUSPENSION OR TERMINATION (HRFST) BUT MONTHLY BENEFIT AMOUNT (MBA) CHANGE

We cannot pay you monthly benefits at this time.

BEN017 – EXPLAINS THE MONTH OR MONTHS BENEFITS WILL BE WITHHELD TO RECOVER AN OVERPAYMENT

We must withhold your benefits for (1).

BEN019 – THIS PARAGRAPH SHOULD BE ON ALL NOTICES WHERE SUPPLEMENTAL SECURITY INCOME (SSI) WINDFALL OFFSET IS INVOLVED

The Social Security benefits you receive count as income and resources and can lower the amount of SSI payments you can receive. When a person receives SSI money for a month and later becomes entitled to Social Security for the same month, we have to refigure the SSI payment. We hold back some of the Social Security benefits while we do this, so the person doesn't owe us if we've paid too much SSI.

BEN021 – SUPPLEMENTAL SECURITY INCOME (SSI) WINDFALL OFFSET IS DETERMINED AND THE HISTORY REASON FOR SUSPENSION OR TERMINATION (HRFST) OF WINDFALL OFFSET (WINFAL) IS REMOVED

In an earlier letter, we told you that you were entitled to Social Security but that we were holding back benefits for (1). We withheld (2) in Social Security benefits.

We did this because our records showed you could have been getting Supplemental Security Income (SSI) when we started paying you Social Security benefits. And Social Security benefits can lower the amount of SSI payments you can receive.

BEN022 – EXPLAINS TO THE BENEFICIARY STARTING FULL RETIREMENT AGE (FRA) THAT BENEFITS ARE NO LONGER WITHHELD

Since you (1) full retirement age in (32), we will not withhold your benefits because of earnings in that month or later.

BEN023 – INFORMS THE BENEFICIARY OF THE OPTION TO EARN VOLUNTARY DELAYED RETIREMENT CREDITS (DRC)

In this letter, we explain that you can choose to delay being paid benefits now. If you delay retirement benefits, you can earn special credit that may increase the amount of benefits you receive later.

BEN026 – TELLS THE BENEFICIARY THERE IS NO ADJUSTMENT OF BENEFITS AT THIS TIME

No change to your benefits is necessary at this time.

BEN028 – EARNINGS CHANGE TO ZERO IN A PRIOR YEAR OR YEARS AND BENEFITS ARE CHANGING

We changed your benefits for (1). Our records show that you did not have any earnings in (2).

BEN029 – EARNINGS CHANGE TO ZERO ONLY IN THE CURRENT YEAR AND BENEFITS ARE CHANGING - THIS UTI WILL ONLY APPEAR ON A WORKING BENEFICIARY NOTICE

We changed your benefits for (1). Our records show that you do not plan to have any earnings this year.

BEN045 – NON-SERVICE MONTHS CHANGE FOR A PAST PERIOD

You were due full benefits for (1). This is because we used a special rule to count your earnings. We explain this rule in the enclosed fact sheet, "How Work Affects Your Social Security."

BEN050 – INFORMATIONAL - BENEFICIARY TERMINATES DUE TO MARRIAGE

We might still be able to pay you if you married a person who is receiving Social Security benefits. Please get in touch with us if this is true.

BEN051 – DUALLY ENTITLED - COMBINE PAYMENTS

We will send you both benefits in one check each month under your own Social Security claim number.

BEN052 – DUALLY ENTITLED - SPLIT PAYMENTS

We will send you separate checks each month under each Social Security claim number.

BEN057 – LEDGER ACCOUNT FILE (LAF) S TO LAF S MONTHLY BENEFIT AMOUNT (MBA) CHANGE - NO HISTORY REASON FOR SUSPENSION OR TERMINATION (HRFST) CHANGE

We cannot pay you monthly benefits for (1).

BEN103 – MONTHLY BENEFIT REDUCED DUE TO RECEIPT OF A GOVERNMENT PENSION – BENEFICIARY IDENTIFICATION CODE (BIC) B, D, E OR W ONLY

We reduce Social Security benefits paid to (1) if they also receive a government pension based on their own work. We reduce benefits by two-thirds of the amount of the pension. For this reason, we are reducing your benefits beginning (2), by (3).

BEN125- REFER TO “YOUR MONTHLY BENEFITS” FACT SHEET

Please see the enclosed Fact Sheet “Your Monthly Benefits” for more information on your (1) .

BEV031- SOCIAL SECURITY BENEFITS ARE PAID IN THE FOLLOWING MONTH

We pay Social Security benefits for a given month in the next month. For example, we pay Social Security benefits for March in April.

BLS088 - REFER TO PAYMENT OPTION PAGE FOR T2 OVERPAYMENTS AND RETURN OF CONSERVED FUNDS NL 00730.200

BRR004 – INFORMATIONAL REPORTING RESPONSIBILITIES

Your benefits are based on the information you gave us. If this information changes, it could affect your benefits. For this reason, it is important that you report changes to us right away.

Please refer to the Publication section of this notice to access the pamphlet (1). It tells you what must be reported and how to report. (2)

BRR005 – INFORM SOCIAL SECURITY ADMINISTRATION WHEN NO LONGER FULL-TIME STUDENT

Please let us know right away if you are no longer a full-time student at an elementary or secondary level school.

BRR021 – USED WITH DEVELOPMENTAL SUSPENSION

Please contact us within 30 days to give us the information we need. We cannot pay benefits unless you give us this information.

BRR059 – USED ON CHILDHOOD DISABILITY BENEFIT (CDB) AWARDS

We based our decision on information you gave us. If this information changes, it could affect your benefits. For this reason, it is important that you report changes to us right away.

Refer to the Publication section of this notice to access the pamphlet "What You Need To Know When You Get Social Security Disability Benefits." It tells you what you must report and how to report. Please be sure to read the parts of the pamphlet that tell you what to do if you go to work or your health improves.