Thursday, June 23, 2022

How To Find Out If Social Security Owes You Money

Don't Miss

Reasons You May Not Find Your Ancestor

Government withholds 84-year-old woman’s social security, claims she owes thousands for college
  • The person who entered the information into the database may have made typographical or other errors. The information may also have been incorrectly recorded during the initial application process. This was especially true when Social Security numbers were first issued and involved a multi-step application process with an opportunity for errors at each step.
  • Many of the records prior to 1962 were never added.
  • Your ancestors death may have never been reported to the Social Security Administration.
  • It may be possible that your ancestor did not have a Social Security card. Many occupations prior to 1960 were not eligible for social security enrollment.

If You Can’t Afford To Pay Back The Overpayment

If you cant afford to pay, contact Social Security Scotland. You might be able to pay back the money over a longer period.

Social Security Scotland will do an affordability assessment to see what you can afford to pay. It will try to agree a repayment plan with you.

Before you get in touch with Social Security Scotland, work out how much money you have coming in and going out. You could use our budgeting tool to help with this.

Social Security Scotland

Website: www.mygov.scot

How To Call Social Security

Method 4 of 4. Contact Social Security outside the United States. Download the Meet Up article from your local embassy. The United States has embassies all over the world. Write to the Social Security Department. Even if you or one of your family members receives a benefit and you want to apply for it, write to this address. Contact social security by phone. Use another online social security service to resolve your issue.

Read Also: When Should I Collect My Social Security

What Can I Do If I Am Overpaid

The Notice of Overpayment will tell you how much you were overpaid. It will tell you to send the money back in 30 days.

Don’t panic! The first thing to do is read the Notice carefully.

  • Is the information on it correct?
  • Are the amounts and dates correct?

Try to figure out if you were really overpaid the amount SSA says.

After you have figured out what the Notice says, there are several different ways to deal with it. You can do any one of these things or more than one at the same time. Here are your choices:

  • Ask for Reconsideration. This is an appeal. It means you want SSA to look at your case again. Ask for a reconsideration if you think the amount of the overpayment is wrong or that the reason SSA gave for the overpayment is wrong.
  • Ask for a Waiver. If you agree that you were overpaid, you can still ask SSA to waive it so that you don’t have to pay it back. Ask for a waiver if you think that the overpayment was not your fault, and you can’t afford to pay the money back.
  • Ask for a Payment Arrangement. Do this if you think that the overpayment was your fault or you can afford to pay it back. You can tell SSA that you want to pay the money back a little at a time. That amount would be based on how much of your income you need for your basic necessities.

What Can You Do With Someone S Social Security Number Search

Here

Before we get into how to perform a background SSN search, an online SSN search, or the details of a Social Security search, lets take a look at what the SSN actually is and what its used for: What is Social Security? security? Number? The Social Security Number is a unique number assigned by the government to every U.S. citizen.

Don’t Miss: Getting Social Security Early

How Do I Get Credit

Do you want to build your credit history? You will need to pay bills that are included in a credit report.

  • Sometimes, utility companies put information into a credit report. Do you have utility bills in your name? That can help build credit.
  • Many credit cards put information into credit reports.
  • Sometimes, you can get a store credit card that can help build credit.
  • A secured credit card also can help you build your credit.

How Much Does It Cost To Freeze Credit

In most other states, reimbursements are prohibited under certain circumstances. The typical cost of a loan freeze is $10. Removing the gel also costs $10. Since there are three major credit bureaus that charge $10 each, the total cost of freezing all three files is $30 and the same. cost to remove the freeze.

Don’t Miss: Social Security Calculation 35 Years

Why Are States Able To Hold Onto Unclaimed Money

A business or government office is usually required by state law to attempt to contact the rightful owner of money or property it’s holding. When they’re unable to locate the rightful owner after a period of time, they’re required to send the unclaimed item to a state-run unclaimed property office. Some states may say the property has been “escheated,” meaning the item has been transferred to the state. The state office will hold these items until their owner claims them.

In most US states, finding out if you have any unclaimed property is free and easy. Claiming is also free but can be a bit more work, depending on which documents you need to collect and then send to the state to prove that you’re the rightful owner.

How Does A Credit Score Work

Heres How Much Money Youll Get From Social Security

Your credit score is a number related to your credit history. If your credit score is high, your credit is good. If your credit score is low, your credit is bad.

There are different credit scores. Each credit reporting company creates a credit score. Other companies create scores, too. The range is different, but it usually goes from about 300 to 850 .

It costs money to look at your credit score. Sometimes a company might say the score is free. But usually there is a cost.

Also Check: Income After Retirement Social Security

Can Social Security Benefits Be Taken For Child Support

Generally, your Social Security benefits, both SSDI and SSI, cannot be garnished by creditors, subject to a few exceptions.

The Federal Government can garnish your SSDI benefits to recover any money owed to it, i.e. back taxes or government backed student loans. SSDI benefits can also be garnished for child support arrears as well as current child support obligations. This would include any retroactive award you may be entitled to receive. In addition, if your dependents receive auxiliary benefits under your claim, that will not satisfy or offset your child support obligation.

SSI benefits cannot be taken for child support, loan payments or taxes.

If you owe child support and are receiving SSDI benefits, you will continue to be obligated to pay child support. You will need to seek a modification of the support order to reflect your SSDI income. Any modification takes effect from the date the petition is filed it will not adjust any arrears you may owe.

How To Find Unclaimed Money

If a business, government office, or other source owes you money that you dont collect, it’s considered unclaimed. Unclaimed property can include many things, including cash, checks, money orders, security deposits, or the contents of safe deposit boxes.

The federal government doesnt have a central website for finding unclaimed money. But you dont need to hire a company to find unclaimed money for you. You can find it on your own for free, using official databases.

Recommended Reading: Who Can Receive Social Security

What Goes Into A Credit Score

Each company has its own way to calculate your credit score. They look at:

  • how many loans and credit cards you have
  • how much money you owe
  • how long you have had credit
  • how much new credit you have

They look at the information in your credit report and give it a number. That is your credit score.

It is very important to know what is in your credit report. If your report is good, your score will be good. You can decide if it is worth paying money to see what number someone gives your credit history.

  • Negative information do you recognize the accounts in this section of the report?
  • Is the information correct?
  • Inquiries do you recognize the places you applied for credit?
  • The report will tell you how to improve your credit history. Only you can improve your credit history. It will take time. But if any of the information in your report is wrong, you can ask to have it fixed.

    Search For Money From Employers

    QLD government owes $75m: How to find out if youâre owed ...
    • Unpaid Wages The Department of Labor may recover back wages for you if your employer broke labor laws. If you think you may be owed back wages from your employer:

    • Search DOLs database of workers who have money waiting to be claimed. DOL holds unpaid wages for up to three years.

  • Pensions from Former Employers Search for unclaimed pensions from companies that either:

  • Went out of business or

  • Ended a defined pension plan

  • Read Also: Social Security Out Of Money

    What Should I Do When I Get My Credit Report

    Your credit report has a lot of information. Check to see if the information is correct. Is it your name and address? Do you recognize the accounts listed?

    If there is wrong information in your report, try to fix it. You can write to the credit reporting company. Ask them to change the information that is wrong. You might need to send proof that the information is wrong for example, a copy of a bill that shows the correct information. The credit reporting company must check it out and write back to you.

    Completing The Appropriate Paperwork

    Complete the claim form. This form is often available for download on the controller, comptroller or treasurer’s website . Enter your full name, Social Security number, current mailing address, phone number and claim information into the corresponding fields. Sign the claim form in the presence of a public notary, if required. Some states only require that the form is notarized if the total claim is over a specific amount. Other states will even allow you to complete and submit the claim form online, free of charge and without the added step of finding a notary.

    Copy your state-issued driver’s license, Social Security card, a document such as a lease, tax return or bill proving that you live or lived at that address, as well as a copy that proves guardianship or custody if claiming on behalf of a minor, such as a birth certificate or guardianship letter

    Send the claim form and a copy of all required documentation to the state office. It could take up to six months to process and send the lost funds.

    Don’t Miss: What Are My Social Security Retirement Benefits

    If I Have Unpaid State Debt Will It Affect How Much Money I Can Claim

    Depending on the state, if you have an outstanding debt to your state or local government, your payment may be redirected to pay that debt. California, for example, allows its Franchise Tax Board to intercept unclaimed property funds — as well as state lottery money and tax refunds — to cover debts you owe to a state, county or city agency.

    Learn smart gadget and internet tips and tricks with our entertaining and ingenious how-tos.

    Hire A Skip Trace Agency

    Social Security reserves to run out of money sooner than estimated: Study predicts

    Skip trace agencies use the information you give them to basically check the individual’s credit and pull up all known previous addresses and personal property, including the addresses associated with that property. The more information you have about the individual the better, especially date of birth and social security number. Alternatively, use a company specifically designed to locate someone who owes you money, such as US Search. These organizations are much like skip tracers, only they don’t require as much information. None of these services are free, but they can be a cost-effective way to find someone if all your efforts are turning up empty handed.

    References

    Read Also: Current Social Security

    Find Out If You Have Unclaimed Money

    Most states have a website that tells you how to find out if you have unclaimed money or property in that state. The best place to start may be to search the government website, the by state National Association of Unclaimed Property Administrators , or the multi-state database.

    The NAUPA has excellent advice on how to deal with letters from “finders” who offer to help you get unclaimed money or property for a fee. Once you navigate to the site listed above, you can click on “About Finders” to learn more about these practices.

    Approximately half the states have searchable online databases so you can find out instantly whether the state is holding unclaimed money or property in your name. Some websites allow you to search for unclaimed money or property free. However, you’ll also see services that will search for you for a feeusually a percentage of what they findit’s not necessary to use them.

    In the states participating in this service, links are provided to the unclaimed money or property websites of each stateincluding those that don’t participate in this database. So, at the least, you can obtain contact information. When searching, try using all possible variations of your name, including previous maiden or married names, middle names, initials, nicknames, and common misspellings. Search in the state where you or your family members have lived over the years. In some cases, you may even be able to claim funds owed to heirs.

    Can My Bank Take My Social Security Or Ssi Checks After I Have Deposited Them In My Account

    Yes. A court case allows banks in Oregon to take money out of your account to pay back any money you owe the bank if you have signed an agreement with the bank which gives the bank this right. The bank has this “setoff” right even if the only money in your account is from Social Security or SSI checks. For example, when you applied to get a credit card or a loan from the bank, you likely signed an agreement that if you fail to make payments, the bank can pay itself back by taking money out of your account.

    Recommended Reading: How To Check Your Social Security Retirement

    How Much Do Part A Premiums Cost

    If you paid Medicare taxes for under 30 quarters, the Part A premium is $499 in 2022. Those who paid Medicare taxes for 30 to 39 quarters will pay $274 per month in premiums. Please note that, if you have to pay monthly Medicare premiums, you cannot qualify for Social Security benefits. In that case, you will not have to worry about money being taken out for now.

    How Do I Improve My Credit

    Money and benefits update

    Look at your free credit report. The report will tell you how to improve your credit history. Only you can improve your credit. No one else can fix information in your credit report that is not good, but is correct.

    It takes time to improve your credit history. Here are some ways to help rebuild your credit.

    • Pay your bills by the date they are due. This is the most important thing you can do.
    • Lower the amount you owe, especially on your credit cards. Owing a lot of money hurts your credit history.
    • Do not get new credit cards if you do not need them. A lot of new credit hurts your credit history.
    • Do not close older credit cards. Having credit for a longer time helps your rating.

    After six to nine months of this, check your credit report again. You can use one of your free reports from Annual Credit Report.

    Read Also: How Do I Know What My Social Security Benefits Are

    How To Find Lost Money By Using Your Social Security Number

    The state could be holding onto hundreds or thousands of dollars that belong to you. If the issuer couldn’t find you, the money is often sent to the state for safekeeping. Each state keeps lost money through a different office, but once you’ve found the appropriate office, claiming lost funds only requires a few steps. To make a claim for the funds, you will need to provide proof of your Social Security number, along with additional documentation. To search for lost money, you can start with just your name.

    Tips

    • Using your Social Security number, you can begin to check for misplaced funds by visiting the website of your state’s treasurer, comptroller and controller. Additional resources provided by the U.S. government are also available if these searches do not satisfy your needs.

    Apply For Social Security Survivor Benefits

    You may also be able to increase your monthly retirement paycheck using Social Security survivor benefits.

    If youre widowed and your deceased spouses benefit was higher than your retirement benefit, you are generally able to claim the higher of the two, says Brotman.

    Experts recommend higher-earning spouses wait as long as possible to claim benefits, since it can prepare a lower-earning spouse for a bigger benefit as a widow or widower. Unlike spousal benefits, which are based on the unadjusted PIA and when the nonworking spouse chooses to start benefits, survivor benefits are determined by the amount the earning spouse actually received if they die after starting benefits.

    When a couple is collecting benefits and one spouse dies, the surviving spouse typically receives the higher of the two benefit payments moving forwardbut not both, says Brotman. That means youll want to consider age disparity, life expectancy, the health of each spouse and the benefit amounts available for each spouse to try to maximize your benefits, both while youre both living and when one of you is widowed.

    Don’t Miss: How Much Can I Get From Social Security

    More articles

    Popular Articles