Transcription of 2022 Social Security Reference Guide - MFS
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2022 Social Security Reference Guide - MFS
Social SecurityReference Guide2022 Social SecurityReference GuideNOT FDIC INSURED MAY LOSE VALUE NO BANK GUARANTEESOCIAL Security Reference GUIDEI mportant ages1 Full Retirement Age (FRA)1 Milestone agesRetirement benefits2 Requirements to qualify for Social Security retirement benefits2 Retirement benefit increases and decreases3 Primary insurance amountAverage and maximum benefits4 Cost of living numbers for 20224 Earnings test Spouse and survivor comparisons5 Spousal percentages and key facts6 Survivors percentages and key facts7 Length-of-marriage requirements7 Key facts comparisonSpousal benefits8 Coordinating spousal and retirement benefits8 Requirements to restrict application to spousal benefits onlySurvivors benefits9 Widow(er) limit9 Widow(er) switch-up options10 Types of widow(er) benefitsDivorcee benefits11 Requirements to receive a divorcee benefit12 Remarriage (applicable for divorcees and widow(er)s)Government employees 13 Windfall Elimination Provision and Government Pension Offset14 Windfall Elimination Provision Adjustment Based on Years of Substantial Earnings15 Federal retirement plans16 Military and railroad retirement plansDisability benefits17 Recent work test17 Duration of work test for disability benefits18 Social Security Disability Insurance (SSDI) versus Supplemental Social Insurance (SSI)Family benefits19 Eligibility for family benefits19 Maximum family benefitsDeferred and executive compensation20 Nonqualified deferred compensation a
of average indexed monthly earnings (AIME). For 2022, the percentages (bend points) are shown below. BEND POINT 1 BEND POINT 2 BEND POINT 3 n 90% of the first $1,024 of AIME n 32% of AIME over $1,024 and through $6,172 n 15% of AIME over $6,172 First bend point begins at $0 90% Second bend point begins at AIME $1,024 32%
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