ElderLaw News

ElderLaw News is a weekly e-newsletter that brings you reports of legal developments and other trends of vital interest to seniors and their advocates. This newsletter is brought to you by The Estate Planning & Elder Law Firm, P.C., William S. Fralin, Esq., President.

Social Security Online

The Social Security Administration (SSA) has introduced a service that permits people to apply for their retirement or disability benefits online.

The SSA’s Retire Online campaign is designed to inform the more than 80 million baby boomers about the new service. SSA Commissioner Michael Astrue has said that, “We just don’t have the infrastructure to handle that workload in the traditional fashion.” The SSA estimates that the baby boomers will become eligible for retirement at a rate of 10,000 per day for the next 20 years.

The SSA has had an online service since 2000, but applicants still have had to mail or deliver documents with their signatures, along with copies of birth certificates or W-2 forms. The goal of the new system is for the process to be paperless in the majority of cases. It now takes a field officer approximately 45 minutes to finish an application form for an individual who applies in person at Social Security office. Most applicants using the new online system should be able to apply for their benefits in 15 minutes or less.

Commissioner Astrue acknowledges that a large part of the population is not computer literate, so the online system does not eliminate the ability for applicants to deal with a person at the agency or a field office. The following is an excerpt from the Retire Online website regarding the application process: “To apply, go to www.socialsecurity.gov and click on ‘Applying Online for Retirement Benefits.’ You will be asked a brief series of questions about you and your work. Need to look up some information? You don't have to complete the application in one sitting. You can stop and restart the application without losing any of the information entered. Have a question? There are convenient ‘more info’ links that you can access to get an answer. And when you’re done, just click the ‘Sign Now’ button to submit the application. There are no paper forms to sign, and usually no additional documents are required. If more information is needed, then the SSA will contact you.” It is estimated that 1 million people will use the new online form in 2009, up from 750,000 in 2008.

The SSA has also developed a new Retirement Estimator that people can use to obtain immediate and personalized information regarding their Social Security benefits. Individuals will still receive an annual Social Security statement, and can use the Retirement Estimator to calculate the benefits that they will receive depending on the age at which they start receiving benefits. Commissioner Astrue states, “It is simple, easy to use and will provide highly accurate benefit estimates for those nearing retirement age. For younger workers, it will provide valuable information to help them plan and save for their retirement.”


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The Estate Planning & Elder Law Firm, P.C. is an elder law firm. We represent older persons, disabled persons, their families, and their advocates. The practice of elder law includes estate planning, estate and trust administration, powers of attorney, advance medical directives, titling of assets and designations of beneficiaries, guardianships, conservatorships, and public entitlements such as Medicaid, Medicare, Social Security, and SSI, disability planning, income tax planning and preparation, care management, and fiduciary services. For more information about The Estate Planning & Elder Law Firm, P.C., please visit our website at http://www.chroniccareadvocacy.com.

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