No credit card No Social Security number Complete personalized plan is free

Free personalized Social Security & benefits plan

Are You Getting Everything You Can?

We’ll check your Social Security and other benefits to see what you may be missing, what you should do next, and whether there’s money or help you could be leaving on the table.

Answer a few plain-English questions and get your personalized plan.

We’ll check your Social Security situation and look for other benefits and savings you may be missing.

  • No credit card
  • No Social Security number
  • Complete personalized plan is free
Dr. Ed Weir
Built by Dr. Ed Weir, PhDFormer SSA District Manager · 20 years inside Social Security
Real pages from the filing-path samples
Cover of the Miller sample Social Security Filing Decision Plan
Miller sample plan dashboard showing the household factors and survivor decision
Real personalized planBenefits. Deadlines. Next steps.See exactly what the plan checks and what to do next.

More than Social Security

Social Security Is Just the Beginning.

Social Security is the starting point. Based on your answers, your plan also checks other programs that may lower expenses or put more help within reach.

Social SecurityRetirement, spouse, divorced-spouse, survivor, disability, family benefits, work rules, and filing decisions.
MedicareImportant timing, coverage, cost, and coordination issues worth checking.
Medicare Savings ProgramsPrograms that may help with Medicare premiums and certain other Medicare costs.
MedicaidPotential eligibility for additional health coverage or help with healthcare costs.
SNAPPotential help with monthly food costs when your household situation may qualify.
Utility AssistancePrograms that may help with electric and home-energy bills.
You don’t need to know which programs to ask about. That’s the point of the plan.

Before or after filing

The plan changes with where you are now.

Haven’t started Social Security?

We focus on the decisions that can affect what you receive and when.

  • When to consider filing
  • Spouse, divorced-spouse, survivor, and family benefits
  • Working while receiving benefits
  • Medicare timing and important deadlines

Already receiving benefits?

We shift from “when should I file?” to “what else should I be checking?”

  • Benefits on another person’s record
  • Spouse, divorced-spouse, survivor, and other categories
  • Medicare savings, Medicaid, SNAP, and utility help
  • Important actions, changes, and deadlines

Why is it free?

Yes. It really is free.

No catch. No credit card. No watered-down “free version.” You get the complete personalized plan.

I spent 20 years inside Social Security. Now I work for you.

I built 24help.org because people too often miss benefits or make important decisions without knowing what questions to ask.

After you receive your plan, you may contribute, join our community, get expert help, or use one of our outside partners. Some outside partners may compensate 24help.org. Or you can do none of those things. Your plan is still free.

See the real thing

See what a personalized plan looks like.

These fictional sample households show how different answers produce different filing recommendations, explanations, and next steps.

Cover of the Miller sample plan25 pages
Married · still working · survivor decision

The Miller Plan

Robert is 63 and still earning. Linda is 60. Their answers point strongly toward waiting, with Linda's future survivor income as the biggest factor.

$119,520
difference in survivor protection across ten years, with the exact table inside.

Sample households are fictional. Their different answers show why a personalized plan can reach a very different conclusion.

You’ve earned your benefits. Let’s make sure you’re getting everything you can.

Answer the questions. We’ll check your situation and build your personalized Social Security & benefits plan.

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Free · Personalized · No credit card · No Social Security number
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