Wednesday, June 22, 2022

Am I Entitled To Social Security Benefits

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Ongoing Monthly Survivor Benefit

Not Widely Known Benefits of Social Security: What exactly are you entitled to?

Surviving spouses and dependents are eligible for monthly payments if you meet certain criteria. This includes former spouses who are divorced from a person at the time of their death. Who receives survivor income and how much varies in each instance.

For you to be eligible for the payment, your relative must have worked for a total of 10 years. They could also have worked a total of 1.5 years in the three years before their death.

If you have your own work record, you must choose between survivor income or yours. You cannot receive both at the same time.

You can receive either one beginning at age 60. You could then switch to the other higher income when you reach full retirement age.

Know Your Social Security Full Retirement Age

First things first:Determine your Social Security full retirement age. For people born between 1943 and 1954, full retirement age is 66. If your birthday falls between 1955 and 1959, it gradually climbs to 67. If you are born in 1960 or later, your full retirement age is 67.

You can claim your Social Security benefits a few years before or after your full retirement age, and your monthly benefit amount will vary as a result. More on that in a moment.

Lost Or Stolen Federal Payments

Report your lost, missing, or stolen federal check to the agency that issued the payment. It’s usually one of these paying agencies. If your documentation indicates it’s a different agency, and you need its contact information, look in the A-Z Index of U.S. Government Departments and Agencies.

To get an update on your claim, contact the Treasury Department Philadelphia Financial Center at 1-855-868-0151, option 1.

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How Disability Benefits Differ

Social Security Disability Insurance benefits are for people who are eligible for Social Security retirement benefits, but became disabled before they reached full retirement age. When a beneficiary begins to receive disability benefits, certain members of their family may also qualify for benefits, including:

  • spouse

Social Security Benefits If Youre Married

Am I Eligible for Social Security Benefits as a Spouse?

Determining Social Security calculations is a bit more complicated if you are married because you have the option to base benefits on your spouses salary history.

If the lesser earning spouses benefits are based on the higher earning spouses, then the limit of those earnings will be 50 percent of the higher earning spouses benefit amount.

To illustrate this, lets talk about A and B, a married couple.

  • A makes significantly more money than B.
  • A makes so much more money that As monthly Social Security benefits are going to be more than twice of Bs, based on Bs salary history.
  • The good news for B is that they can choose to have their Social Security benefits based on As salary history and can receive as much as 50 percent of As monthly benefit. This is the case even if B didnt hold a job outside the home.

On the other hand, if Bs monthly benefit would have been more than half of As, based on Bs salary history, then B can claim that amount.

In short, B can claim the higher of these two possibilities: Bs own Social Security earnings or half of As.

This all assumes that B doesnt begin claiming benefits until B reaches full retirement age. If B begins claiming earlier, then Bs benefits will be less. In addition, if B is claiming benefits based on As earnings, then B does not benefit by waiting later than full retirement age.

B will not be given more monthly benefits if B waits until age 70, for example, based on As earnings.

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You Can Claim Social Security Benefits Earned By Your Ex

Just because you’re divorced doesn’t mean you’ve lost the ability to get a Social Security benefit based on your former spouse’s earnings. You can receive a benefit based on his or her record instead of a benefit based on your own work record if you were married at least 10 years, you are 62 or older, and you are single.

Like a regular spousal benefit, you can get up to 50% of an ex-spouse’s benefit — less if you claim before full retirement age. And the beauty of it is that your ex never needs to know because you apply for the benefit directly through the Social Security Administration. Taking a benefit on your ex-spouse’s record has no effect on his or her benefit or the benefit of your ex’s new spouse. And unlike a regular spousal benefit, if your ex qualifies for benefits but has yet to apply, you can still start collecting Social Security based on the ex’s record, though you must have been divorced for at least two years.

Note: Ex-spouses can also take a survivor benefit if their ex died after the divorce, and, like any survivor benefit, it will be worth up to 100% of what the ex-spouse received. If you remarry after age 60, you are still eligible for the survivor benefit.

A claiming strategy if youre divorced: Exes at full retirement age who were born on January 1, 1954, or earlier can apply to restrict their application to a spousal benefit while letting their own benefit grow.

Policy Basics: Top Ten Facts About Social Security

Social Security provides a foundation of income on which workers can build to plan for their retirement. It also provides valuable social insurance protection to workers who become disabled and to families whose breadwinner dies.

Eighty-five years after President Franklin Roosevelt signed the Social Security Act on August 14, 1935, Social Security remains one of the nations most successful, effective, and popular programs.

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How Can A Social Security Agreement Help Me Qualify For Benefits

A social security agreement can help you qualify for benefits by allowing you to combine your periods of contribution or periods of residency in Canada with your periods of contribution or periods of residency in the other country to meet the minimum eligibility criteria. It can also reduce or eliminate restrictions based on citizenship or on payment of pensions abroad.

How Long Do I Need To Have Been Married To Collect My Exs Benefits

Am I Eligible for Social Security Disability Benefits

Another common question people ask is How long do you have to be married to get spouse social security?You have to have been married for at least ten years before you can get social security benefits after divorce according to the Social Security Administration. Also, your divorce must be at least two years.

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Social Security Benefits For Surviving Spouses

If your spouse was receiving Social Security benefits upon their death, you must report the death as soon as possible. You can call the Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m. on weekdays or visit your local Social Security office in person.

You are eligible for a one-time, lump-sum death benefit of $255 from Social Security if:

  • You were receiving benefits on your spouses record at the time of death, or
  • If you were living in the same household as your spouse at the time of death.

Any benefits received in the name of your spouse during the month of death or later must be returned to the Social Security Administration as soon as possible.

If your spouse worked long enough under Social Security, you may be eligible for Social Security benefits. You must be age 60 or older or disabled and 50 or older to qualify.

How much youll receive depends on the percentage of your spouses benefit as well as your age and the type of benefit youre eligible for.

You must apply for survivor benefits in person. You can call Social Security at 1-800-772-1213 to request an appointment.

Will My Family Be Allowed To Collect My Social Security Benefits After I Die

If your family depends on you financially, you may be concerned about how your loved ones will survive when you pass away. The Social Security Administration allows families of workers to collect survivors’ benefits, a monthly payment that helps ease financial burden.

However, a worker must have paid enough in Social Security taxes during his or her lifetime for the family to be eligible.

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Is Your Condition Found In The List Of Disabling Conditions

For each of the major body systems, we maintain a list of medical conditions that we consider severe enough that it prevents a person from doing substantial gainful activity. If your condition is not on the list, we have to decide if it is as severe as a medical condition that is on the list. If it is, we will find that you are disabled. If it is not, we then go to Step 4.

We have two initiatives designed to expedite our processing of new disability claims:

  • Compassionate Allowances: Certain cases that usually qualify for disability can be allowed as soon as the diagnosis is confirmed. Examples include acute leukemia, Lou Gehrigs disease , and pancreatic cancer.
  • Quick Disability Determinations: We use sophisticated computer screening to identify cases with a high probability of allowance.

For more information about our disability claims process, visit our Benefits For People With Disabilities website.

Instructions For A Beneficiary Leaving The Us

Am I Eligible for Social Security Benefits as a Surviving ...

If you are a beneficiary planning to leave the U.S. to live abroad, you should report your change of address before you leave. You should report the change in your home address even if your payments are being sent to a bank.

You may report your new address by getting in touch with the SSA Field Office nearest you. We recommend that you also read the pamphlet:Social Security — Your Payments While You Are Outside the United States, which explains how your benefits might be affected. Among other things, the pamphlet explains the following:

  • How benefit payments are made outside the U.S., including countries in which direct deposit is available
  • Taxation of benefit payments
  • Conditions under which payment may be made to beneficiaries outside the U.S. who are not U.S. citizens
  • What you need to know about Medicare
  • How work outside the U.S. may affect your benefit payments
  • Events that must be reported by beneficiaries outside the U.S.
  • If You Need a Social Security Card

An in-person interview must be conducted if the applicant is age 12 or older and is applying for an original number. In addition, U.S. born applicants age 12 or older must explain why they do not already have a Social Security number and provide appropriate supporting documentation.

If you need a card and are eligible to apply for one, you may obtain an application at any American Embassy or Consulate. Individuals in the U.S. military may obtain an application from the Post Adjutant or Personnel Office.

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The File And Suspend Strategy

Prior to 2016, workers could file for benefits , then suspend their own benefits in order to maximize their credits for deferred filing. This so-called file and suspend strategy meant that a lower-income partner could take advantage of spousal benefits while the primary earner accrued delayed retirement credits, thereby increasing their benefit amount.

However, this “have your cake and eat it, too” loophole was closed with the Bipartisan Budget Act of 2015, which took effect in April 2016.

While it is still possible to file for benefits and then suspend payments temporarily, any other benefits that would normally be available on your account are no longer payable during such suspensions.

Strategy For Divorced Spouses

If you have been divorced for at least two years, you can apply for spousal benefits if your marriage lasted 10 or more years. If, on the other hand, you are still married and considering a divorce, and are near retirement age, try to apply for spousal benefits before your divorce is final. If you have been married and divorced multiple times, you can choose to receive whichever spousal benefit is highest. Saving your ex-spouses Social Security numbers and dates of birth will make the enrollment process easier.

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Is Your Condition Severe

Your condition must significantly limit your ability to do basic work-related activities, such as lifting, standing, walking, sitting, or remembering for at least 12 months. If it does not, we will find that you are not disabled.

If your condition does interfere with basic work-related activities, we go to Step 3.

Can I Claim Spousal Benefits If I’m Divorced

Am I Eligible for Social Security Disability Benefits? Steinger Iscoe & Greene

You are eligible for dependents benefits if both you and your former spouse have reached age 62, your marriage lasted at least ten years, and you have been divorced for at least two years. This two-year waiting period does not apply if your former spouse was already collecting retirement benefits before the divorce.

You can collect benefits as soon as your former spouse is eligible for retirement benefits. He or she does not actually have to be collecting those benefits for you to collect your dependents benefits.

If you are collecting dependents benefits on your former spouse’s work record and then marry someone else, you lose your right to those benefits. You may, however, be eligible to collect dependents benefits based on your new spouse’s work record. If you divorce again, you can return to collecting benefits on your first spouse’s record, or on your second spouse’s record if you were married for at least ten years the second time around.

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Can I Collect My Ex

Another question frequently asked is, Can I collect social security from my ex-husband if I remarry? The answer to this question varies. If your ex-spouse is still alive, you cant collect social security benefits as a divorced spouse.

Thats because your new marriage voids your eligibility to your former partners social benefits as long as they are alive.

If you were applying for spousal social security and suddenly married another person, Social Security will terminate your request. You have to report any changes to your marital status to social security.

However, If your ex-husband or ex-wife is deceased, you can remarry and continue collecting spouse social security from their earnings record. Remember you must be 60 years or older when you remarry or 50 years or older if you are disabled.

The following situations can allow you to receive spousal social security the record of a living former spouse if you remarry:

  • You remarried the same person
  • If your new husband is already receiving a type of social security, including survivors benefits, divorced-spouse benefits, and childhood disability benefits.

Can You Do Any Other Type Of Work

If you cant do the work you did in the past, we look to see if there is other work you could do despite your medical impairment.

We consider your medical conditions, age, education, past work experience, and any transferable skills you may have. If you cant do other work, well decide you are disabled. If you can do other work, well decide that you dont have a qualifying disability and your claim will be denied.

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Benefits For Your Children

When you qualify for Social Security retirement benefits, your children may also qualify to receive benefits on your record. Your eligible child can be your biological child, adopted child, or stepchild. A dependent grandchild may also qualify.

To receive benefits, the child must:

Benefits stop when children reach age 18 unless they are disabled. However, if the child is still a full-time student at a secondary school at age 18, benefits will continue until the child graduates or until two months after the child becomes age 19, whichever is first.

Benefits paid for your child will not decrease your retirement benefit. In fact, the value of the benefits they may receive, added to your own, may help you decide if taking your benefits sooner may be more advantageous.

Claiming Spousal Benefits From Social Security: How It Works

Am I Eligible for Social Security Benefits If Im Divorced?

When a worker files for benefits from Social Security, the workers spouse may be able to claim a benefit based on the workers contributions. For spouses to receive the benefit, they must be at least age 62 or care for a child under age 16 . In addition, spouses cannot claim the spousal benefit until the worker files for her or his benefit.

There are other important caveats about the spousal benefit as well.

Spousal benefits are capped at half your spouses benefit at full retirement age. If waits beyond that to claim, the spousal benefit cannot grow further, says Claire Toth, managing principal and wealth strategist at New Jersey-based Peapack-Gladstone Bank.

Toth is referring to the strategy of a retiree not claiming benefits until past full retirement age in order to claim a bigger monthly benefit. Social Security will boost your benefit substantially if you delay filing until as late as age 70. Its one way to juice your payout without working more.

The exception to this rule of filing early is if a spouse is caring for a child under age 16 or one who is disabled, in which case the benefit is not reduced. In fact, this spouse could claim the spousal benefit at any age if theyre caring for a child who also receives benefits.

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