Disclaimer

The Retirement Desk is a private publisher. We are not affiliated with, endorsed by, sponsored by or connected to the Social Security Administration (SSA), Medicare, the Centers for Medicare & Medicaid Services (CMS), the Internal Revenue Service (IRS) or any other government agency.

Educational information only. Our books, newsletters, guides, emails and tools are general education. They are not personalized legal, tax, investment, insurance or financial advice. Your situation is unique.

Estimates, not guarantees. Calculator results are estimates based on the information you enter and the published formulas in effect when the tool was built. They do not include every rule that may apply to you. Confirm your benefits with SSA at ssa.gov or 1-800-772-1213 before you file.

Figures and dates. Numbers we publish come from public sources such as SSA, the Social Security Board of Trustees, CMS, the IRS and the FBI, as of the date stated. Rules and amounts change.

You can do it yourself. You never need to pay anyone to apply for Social Security or Medicare. Applying with SSA is free.