Common Questions About Social Security
We have the answers to your questions about Social Security including retirement, benefits, disabilities and your Social Security card.
“Social Security is a federal government program that provides a source of income for you or your legal dependents (spouse, children, or parents) if you qualify for benefits. You also need a Social Security number to get a job.”
When Am I Eligible to Receive Benefits?
Most people become eligible to receive Social Security retirement benefits when they turn 62 but keep in mind that those who do claim at 62 may receive smaller payments than those who decided to wait. Essentially the longer you wait between 62 and 70, the larger your retirement benefit payments will be.
Based on when you were born, retirement benefits may begin as early as age 65 and as late as age 67.
- If you were born prior to 1938, your full eligibility date, aka your full or “normal” retirement age, is age 65.
- People born in between 1938 and 1942 are eligible on a graduating scale that increases by two months per year.
- Persons born between 1943 and 1954 are eligible for full benefits at age 66.
- Those born between 1955 and 1960 are eligible based on a graduating scale that increases by two months per year.
- If you were born after 1960, your full eligibility date is age 67.
What Is The Difference Between SSI And SSDI?
SSDI benefits are insurance benefits by paying FICA taxes. SSDI is the higher rate of pay for the two programs. SSI, on the other hand, is a type of welfare benefits for someone who has not paid FICA taxes. SSI is the lower rate of pay for the two programs.
Is There A Way I Can See An Estimate Of My Future Social Security Benefits?
If you have a Social Security account in the Social Security website, you should be able to download your earnings record as well as estimates for future retirement. If you do not have an account, don’t worry you can create one at any time online.
Can I Receive Social Security Benefits If I Still Work?
Yes! You can be work and receive Social Security benefits at the same time. Now if you’re older than your full retirement age according to the list above, you can work as much as you would like and still receive the full benefits. But if you are younger than the full retirement age and make more than the yearly earnings limit, Social Security will reduce your benefits.
What is the Social Security Administration’s Definition Of A Disability?
The Social Security Administration defines a “disability” as the “inability to engage in any substantial gainful activity by reason of any determinable physical or mental impairment which can be expected to result in death or has lasted or can be expected to last for a continuous period of no less than 12 months.”
How Do I Apply for Benefits?
There are multiple ways to apply for benefits! You are able to even apply online as long as you provide your original birth certificate and a copy of your W-2 forms. If you are not comfortable with applying online, you are also welcome to apply in person at a local Social Security Administration office or over the phone.
How Long Does The Disability Process Take?
Well…The application process usually takes 30 – 90 days for the initial decision. But if you are denied, you do have 65 days to file a request for reconsideration and that will take another 30 – 90 days to receive a decision from the Social Security Administration.
How Much Do I Pay Into the Program?
It is estimated that each worker pays about 6.2% of their wages to Social Security while their employers pay an additional 6.2% of their employee’s salary to make up the difference. For those who are self-employed, they will have to pay both portions toward Social Security.
How Much Will Social Security Pay Me?
Social Security essentially determines the amount of your Social Security benefits based on your overall lifetime earnings.
What If My Social Security Card Is Stolen?
Please contact your local police department if your card was recently stolen in order to file a theft report. Afterwards, contact one of the three major credit agencies to place a fraud alert on your credit file. You will also need to contact SSA immediately to report and request a replacement Social Security Card.
How Do I Get Or Replace My Social Security Card?
You can apply for a replacement card online in the SSA website here my Social Security account. Keep in mind you must be at least 18 years old and be able to provide a valid driver’s license or state-issued identification card.
Contact Jones Brown PLLC
While federal laws are established to help secure SSDI benefits for disabled workers, proving a claim and qualifying can be difficult. As part of our commitment to helping the disabled and their families receive benefits, we guide applicants through the qualifying process and help them understand their options. We can help you to determine if you are eligible and help you in what could be a long and difficult process. Here you will find some valuable resources to help you not only to understand the Social Security process better but also to help you assess your situation.
To better understand the Social Security Disability Process, you can read our Social Security Disability Listings or our frequently asked questions. If you want to find out if you are eligible for Social Security Disability, take our quick evaluation.