Thursday, June 16, 2022

How Do I Know If I Qualify For Social Security

Don't Miss

Qualifications For Social Security Disability In Georgia

The 5 Step Process To Know If You Qualify For Social Security Disability

All applications go through the Social Security Administration. To qualify for SSD benefits, you need to meet the following criteria:

  • Worked in a job that paid into Social Security taxes for a certain length of time
  • Have a medical condition that the SSA considers a disability
  • Unable to work because of that medical condition, which is expected to last 12 months or more

What Are The Work History Eligibility Requirements For Ssdi

To meet the work eligibility requirements to qualify for SSDI, you must have worked long enough and recently enough to qualify. Eligibility is based on the number of work credits you have earned. For each quarter of work with income of a certain amount, you can earn one work credit.

The amount of work needed changes, but for example, in 2017, if you earn $1,700 per quarter or more in the year, you would earn four credits for the year.

How many credits you will need to qualify for benefits will depend on your age. These general rules apply:

  • Generally, you must have earned 40 work credits with 20 of them having been earned in the last 10 years.
  • If you’re younger than 31 years old, you may qualify for SSDI benefits with fewer work credits.

How Do People With Disabilities Enroll In Medicare

If youre under 65 and receiving Social Security disability benefits, enrolling in Medicare is easy. In most cases, you wont need to do anything. Youll automatically get Part A and Part B coverage as soon as youre eligible. For most disabilities, your Medicare coverage automatically starts after youve received SSDI for 24 months.

All you need to do is check the mail for your Medicare card. Your new card should arrive three months before your Medicare coverage starts. This means that most adults qualifying for Medicare with a disability will get their card in month 21 of their SSDI. Youll have lots of time to find out exactly whats covered before your Medicare coverage starts on the first day of month 25.

If you are on disability when eligible for Medicare at age 65, youll be automatically enrolled in Original Medicare. Your Part B monthly premium can be deducted from your Social Security benefits, and you can start using your Medicare coverage as soon as you turn 65.

Read Also: Search For People By Social Security Number

How Does Social Security Affect Medicare And My Retirement Benefits

Although Medicare is a separate benefit offered by the government, it often times goes hand in hand with Social Security retirement benefits as a means of providing a financial safety net for retired workers.

Medicare is the government sponsored health insurance plan for people who are at least 65 years old. The only exceptions to this are the disabled or those who have permanent kidney failure, both of whom can get Medicare at any age.

Medicare is broken into four parts:

Medicare Part A Hospital insurance that helps pay for in-patient hospital care and some follow-up services.

Medicare Part B Medical insurance that helps pay for doctors services, outpatient hospital care and related medical services.

Medicare Part C Medicare Advantage Plans allow people to combine Part A and Part B to get medical services from a single provider organization.

Medicare Part D Prescription drug coverage helps pay for prescribed medications.

Medicare and Social Security benefits are linked in that when you turn 65 years old, your Part A Medicare hospital insurance begins automatically. If you live in the United States or U.S. territories, youll also be enrolled in Part B Medical insurance coverage as well.

Regardless of whether or not youre getting Social Security benefits, you should sign up for Medicare about three months before your 65th birthday.

Social Security Spousal Benefits

2020 SSDI Benefits Eligibility and How to Apply

You may be able to get spouses retirement benefits even if you have never worked under Social Security. Your spouse must already be receiving retirement or disability benefits and you must be at least 62 years of age, and you can also qualify for Medicare if you are at least 65 years of age. You can receive spousal benefits no matter how old you are if you are caring for your spouses child who is also receiving benefits. To receive benefits, a child must be unmarried and either be under age 18 or be age 18-19 and a full-time student they can also receive benefits if they are 18 or over and disabled with a disability that started before the age of 22.

You can also receive spousal benefits even if you are divorced, if the marriage lasted ten years or longer. You must be unmarried, at least 62, your spouse must be entitled to Social Security retirement or disability benefits, and the amount of the benefit you receive based on your own work must be less than the benefit you would receive from your ex-spouses work. To apply for Social Security spousal benefits, you can use the online application you can call Social Security at 1-800-772-1213 or for the deaf and hard of hearing, 1-800-325-0778 or you can make an appointment and visit your local Social Security office. If you do not live in the U.S. or in a U.S. territory, you can contact the nearest Social Security office, U.S. Embassy, or consulate

Don’t Miss: Social Seciurity

What Is A Social Security Card For

Basically, this card is used to track your lifetime earnings and work history so that during retirement or if/when you need to access Social Security disability benefits, the government can determine your eligibility. This number will be used by all of your employers to report your earnings to the IRS and your Social Security wages to the SSA. You also need to use your Social Security number when opening an account at a bank, applying for a federal loan, enrolling in Medicare, getting a passport, filing a tax return, getting a drivers license, and more.

Qualifying For Ssi At Retirement Age

SSI is also available to those that have paid into the social security system and have now reached retirement age. Retirement age usually falls between 62 and 65 and if you have the required work credits, you are able to qualify for monthly SSI payments. Once you are of retirement age, you will not need a medical condition in order to qualify.

Don’t Miss: Socail Sercurty

The Two Exceptions To Know Around The 1 Year Marriage Requirement

Normally, you must be married for at least 12 continuous months to meet the spousal benefit duration-of-marriage requirement. However, there are two exceptions to this rule.

Exception 1

If you marry someone who is the natural mother or father of your child, the one year requirement is waived.

Be the natural mother or father of the workers biological son or daughter i.e., this requirement is met if a live child was born to the number-holder and claimant although the child need not be alive.

Exception 2

The 1-year requirement is also waived if you were entitled to Social Security benefits on someone elses work record in the month before you were married.

An example of these benefits would be spousal benefits, survivor benefits or parents benefits.

For example, lets assume you will be eligible for a spousal benefit from your ex-husband Joe. If you remarry, you wouldnt have to wait the full 12 months to get a spousal benefit from your new spouse. Instead, youd be immediately eligible.

This topic is closely related to the Social Security Survivor Benefit. Ive written an in-depth but easy-to-understand article titled Social Security Survivor Benefits: The Complete Guide to Who Gets What and How to Calculate It if you want to learn more.

I Have A Mental Illness Or Disorder Do I Qualify For Disability

How to Lose $30,000 of YOUR benefits from Social Security Disability!

If your main problems are psychological or psychiatric, or otherwise having to do with your brain functioning, SSA will make a separate measure of your mental residual functioning capacity . This is intended to determine how well you can still do the mental things it takes to hold down a job, like understanding and remembering instructions, maintaining attention and concentration, interacting appropriately with others, and responding appropriately to changes or hazards in the workplace.

SSA will make their determination whether you are capable of any work at all, and if so, whether it can be unskilled, semi-skilled, or skilled work.

For more on disability for mental health, please view our related blog post.

Recommended Reading: Social Security Who Gets It

How To Correct An Error On Your Social Security Statement

If you have evidence of your covered earnings in the year or years for which you think Social Security has made an error, call Social Security’s helpline at 800-772-1213, Monday through Friday, from 7 a.m. to 7 p.m. This is the line that takes all kinds of Social Security questions, and it is often swamped, so be patient. It is best to call early in the morning or late in the afternoon, late in the week, or late in the month. Have all your documents handy when you speak with a representative.

If you would rather speak with someone in person, call your local Social Security office and make an appointment to see someone there, or drop into the office during regular business hours. If you drop in, be prepared to wait, perhaps as long as an hour or two, before you get to see a representative. Bring with you two copies of your benefits statement and the evidence that supports your claim of higher income. That way, you can leave one copy with the Social Security worker. Write down the name of the person with whom you speak so that you can reach the same person when you follow up.

The process to correct errors is slow. It may take several months to have the changes made in your record. After Social Security confirms that it has corrected your record, request another benefits statement to make sure the correct information made it to your file.

Beware The Social Security Earnings Test

Bringing in too much money in earned income can cost you if you continue to work after claiming Social Security benefits early. With what is commonly known as the Social Security earnings test for annual income, you will forfeit $1 in benefits for every $2 you make over the earnings limit, which in 2021 is $18,960. Once you are past full retirement age, the earnings test no longer applies, and you can make as much money as you want with no impact on benefits.

Any Social Security benefits forfeited to the earnings test are not lost forever. At your full retirement age, the Social Security Administration will recalculate your benefits to take into account benefits lost to the test. For example, if you claim benefits at 62 and over the next four years lose one full years worth of benefits to the earnings test, at a full retirement age of 66 your benefits will be recomputed — and increased — as if you had taken benefits three years early, instead of four. That basically means the lifetime reduction in benefits would be 20% rather than 25%.

Also Check: Sociale Security

What You Need For Retirement Benefits

Here are the documents you will need when applying for Social Security Benefits:

  • Proof of citizenship in the United States or proof of lawful permanent resident status if born outside the U.S.
  • You need your original birth certificate, not a copy. If you do not have an original, you can include a copy that is certified by the hospital or agency that issued the original one.
  • A copy of your W-2 form for the current/previous year or if you were self-employed, a copy of last years tax return.
  • If you served in the military before 1968 a copy of your DD-214 Certificate of Release or Discharge from Active Duty.

You will also need to provide your recent earnings, eligibility for a federal pension, marital history, and whether other family members can claim any benefits on your record.

Social Security Survivor Benefits

Can i apply for social security benefits online

Social Security benefits may be available if you are the survivor–that is, the spouse, child, or parent of a worker who dies. The deceased must have worked long enough under Social Security to qualify for benefits.

Your survivor benefits are based on the earnings of the person who died. The amount you get is based on your age and the type of benefits you are able to receive each month you receive a percentage of the deceaseds basic Social Security benefits. The maximum survivors benefit you can get is limited to what the deceased would have received in life. Click here for additional details and examples.

Also Check: Social Security How Much Have I Earned

Finding Your Social Security Number

To find a Social Security number, you must first make sure that you have one. Not all people have one, so if youre not employed just yet and dont pay taxes, you will not find one at all.

If you have one, though, you must have a Social Security card. So, to find out your number, you should check your card, which features the number along with your name.

But if you dont remember where you placed your card, you can also check out your W-2s, tax returns, or bank statements. The Social Security Number usually appears there.

Another good option is going to your employer or former employer. Employers tend to keep Social Security information, so you may use this method if you dont have another way to find your SSN. Contact your employer and ask for a copy of your number.

Sometimes, the SSN may also be found on USCIS forms you filed previously, although its not always the case. If you dont have an SSN just yet and you need to file USCIS forms, you can still proceed by answering N/A in the SSN field. People with nonimmigrant visas usually dont have an SSN.

How To Calculate Your Own Social Security Spousal Benefits

The spousal benefit calculation is straightforward if you dont have a benefit of your own. Remember, in that case, its between 32.5% and 50% of the higher-earning spouses full retirement age benefit, depending on your filing age.

However, it can seem a little more complicated if you have Social Security benefits from your work history.

And to keep things interesting, the Social Security Administration decided that a different calculation method should be used to determine how much each benefit should increase/decrease based on your filing age.

Fun, right?

As complicated as Social Security benefits can seem, there is a way to correctly calculate how much your spousal benefit will be if you qualify to receive it.

Check out this section of my video that goes over this calculation step-by-step. VIDEO: How To Calculate Spousal Benefits The RIGHT Way

If you understand how they break down the individual benefits, its not hard to use the table above to quickly figure out what your approximate benefit will be. Heres an example.

Joe and Julie each have a Social Security benefit from work they individually performed. Julies benefit at her full retirement age is $800 per month. Joes benefit at his full retirement age is $2,000.

Assuming they are both full retirement age when they file, Joe will be entitled to a benefit of $2,000 and Julie will be entitled to the greater of her own benefit or half of Joes benefit.

Sounds simple, right?

Read Also: How Much Will I Get For Social Security

Can You Still Work While Receiving Social Security

You can continue to work while you receive Social Security benefits. But there is a limit to how much you can earn and still receive full benefits. The earning limit may be adjusted each year.

If you earn above the limit, Social Security will deduct a certain amount of your benefits each year.

Social Security Benefits, Earning Limits and Penalties

RETIREMENT AGE
SSA deducts $1 from your benefits for every $3 you earn above the limit

How Do You Apply For Social Security Benefits

Is Cancer an “Instant Approval” for Social Security Disability?

If you are eligible for Social Security benefits, you can apply online, by phone or by appointment at a local Social Security office.

How to Apply for Social Security Benefits

Online
Applying online is the easiest way to apply for Social Security benefits. The Social Security website allows you to apply for retirement, spouses, Medicare and disability benefits at the same site. You can also apply for Supplemental Security Income benefits.
Phone
If you dont have Internet access, you can sign up by phone. You can call the Social Security Administration at 1-800-772-1213 .
In-person
The Social Security Administration has restrictions on office visits during the COVID-19 pandemic. It does allow in-person visits for certain services. You should check with the SSAs Coronavirus page to see if you can make an in-person appointment at your local office.

Also Check: How Much Will My Social Security Payments Be

Do I Get Extra Money From Social Security For Being A Veteran

As a veteran, you may receive several different benefits from the Social Security Administration . The exact interplay between VA and SSA benefits depends on the circumstances that are specific to your case, but it is very common for veterans to receive VA disability compensation in addition to Social Security Disability Insurance. Also, veterans who served prior to 2001 get additional social security credit for their military service that is counted towards their SSA retirement benefits.

Ensuring that you are receiving all of the VAand SSA benefits that you might be entitled to can help you and your familyenjoy financial stability for years to come. You gave years of your life toyour country, and you deserve compensation for your service. But sometimes theVA may be reluctant to grant you the benefits you deserve. If you have beendenied your VA benefits, call Jackson and MacNichol today at 800-524-3339 for afree consultation with a veterans disability compensation lawyer.

Extra Social SecurityCredits For Veterans Were Discontinued in 2002

The amount and type of credits you receivedepends on the period in which you served in the military:

Although the SSA automatically takes thesecredits into account when calculating your lifetime earnings, it doesnt hurtto ask for a copy of your work record from SSA to make sure all of your military service has beentaken into account.

What to Do IfYour Benefits Are Denied

More articles

Popular Articles