<p>Most online Social Security benefit calculators seem to assume you have been paying in since a young age.</p>
<p>Does anyone know how to calculate approximately the expected benefits if you start paying in at say age 55 for the first time, and retire at age 67?</p>
<p>You can get an estimate from Social Security if you already qualify for it. The issue is that if you started working at age 55 and are not married, you won’t qualify for either Medicare or Social Security until age 65. You need to work 10 years or get it through a spouse’s credits.</p>