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Social Security Benefits
Qualifications to receive Social Security Benefits:
US Citizens or Alien Residents
You must have worked and earned enough Qualifying Credits (QC) i.e. 40 Quarters of coverage. (You earn 4 credits per year. This means in 10yrs, you should be able to earn 40 QCs)
You must be “fully insured.”
Qualifying Spouse or children of a qualified deceased worker.
Do You Qualify for Social Security Benefits?
What are Social Security Benefits?
Social Security is an insurance program administered by the US Government.
Social Security benefits are paid out monthly to retired workers and their spouses.
who have, during their working years, paid into the Social Security system.
Social Security benefits are also available to qualifying individuals who are completely and permanently disabled and are determined by a specific and rigid set of criteria issued by the Social Security Administration.
Social Security and all benefits that are received are funded through payroll taxes under the Federal Insurance Contributions Act (FICA) tax or the Self-Employed Contributions Act (SECA) tax. The Internal Revenue Service (IRS) collects tax deposits and formally entrusts them to one of the collective group of Social Security trust funds.
If you work you must pay Social Security taxes.
Types of Benefits
Retirement Retirement is a huge, important chunk of your life. We can help you understand and set your retirement goals, save the money you’ll need to reach them, live happier and healthier while you’re at it, and plan to leave something for your next generation.
Disability
The Social Security and Supplemental Security Income disability programs provide assistance to those with disabilities. This program pays benefits to you and, or particular family members if you are insured. This means that you worked for periods considered long enough, and that work is recent enough - and paid Social Security taxes on your earnings.
Medicare Medicare is America's healthcare insurance program for those aged 65 or older. Some younger people under the age of 65 can qualify for Medicare as well. This includes those with disabilities and those who have permanent kidney failure.
This program helps with the cost of health care, but the program does not cover all medical expenses or the cost of most long-term care.
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Why Plan for Social Security
More than just retirement:
Social security provides important life insurance and disability insurance protection too.
Guaranteed Progressive Services:
Social Security provides a guaranteed, progressive benefit that keeps up with inflation. That is, increases in the cost of living in the United States.
Retirement Foundation:
Social Security provides a good foundation of retirement protection for most American households. These benefits not means-tested.
The benefits of Social Security are modest:
Social Security benefits are more modest than most people realize. In June 2020, the average Social Security retirement benefit was about $1,514 a month, or about $18,170 a year.
Social Security uplifts millions of elderly Americans from poverty:
It is estimated that 4 in 10 Americans aged 65 and older would have incomes lower than the poverty line. That is, all things being equal, according to official estimates based on the 2019 Current Population Survey.
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What Does Your Retirement Look Like?
Explore Life Moments and Enjoy Them
Whether you’re thinking about your social security, medicare, disability, retirement – or any combination of these – we’ve got information on the services to help you live a brighter, more financially secure and a healthier life.
Build Lasting Memories and Savor Them
Are you on track to reach your goals for retirement? Find out what factors can affect your Social Security and other benefit payments – and see an estimate of what your benefits could be at different stages. Get the information you need.
Leave a Legacy and be Proud You Did
Looking forward to retirement? Find out if you’re saving enough, or have the right knowledge to approach your retirement with confidence. Retirement planning and Social Security benefits don't have to be complicated.
Social Security Benefits
If you were recently denied Social Security benefits or Supplemental Security Income (SSI), you may request an appeal. Generally, you have 60 days after you receive the notice of our decision to ask for any type of appeal. There are four levels of appeal:
Reconsideration,
Hearing by an administrative law judge,
Review by the Appeals Council
Federal Court review (Please see below for information on the Federal Court Review Process).
You can request an appeal online for a reconsideration, a hearing by an administrative law judge, and a review by the Appeals Council, even if you live outside of the United States. Your letter contains guidance on what level of appeal you should select.
To learn more about each appeal level, visit Information About Social Security's Hearings and Appeals Process.
See if you qualify for Social Security benefits
Date of birth and Full Retirement Aged (FRA)
Your benefit is determined by the Worker’s Primary Insurance Amount (PIA) based on his/her date of birth.
Working While Retired
If you plan to retire and receive benefits, there are notables:
Income/Earnings limitations
Tax implications
If you plan to retire and receive benefits, there are notables:
Income/Earnings limitations
Tax implications
For instance:
Retirees (or survivors) who choose to receive Social Security benefits before they reach full retirement age (FRA) and continue to work have an earnings limit.
In 2017 for example, the annual earnings limit was $16,920 for those under FRA the entire calendar year. In 2018, it is $17,040. If you earn over the limit, we deduct $1 from your Social Security monthly benefit payment for every $2 you earn above the annual limit.
In the calendar year you reach FRA, which you can check out on our website, you have a higher earnings limit. Additionally, the Social Security Administration will only count earnings for the months prior to FRA. In 2017, the limit was $44,880. In 2018, it is $45,360. In the year of FRA attainment, Social Security deducts $1 in benefits for every $3 you earn above the limit.
**Please see your financial Advisor/Accountant: With regard to taxes and investments issues. **
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