October 19, 2021

How To Qualify For Social Security Benefits

In the United States, getting Social Security benefits plays a part in most people lives. There are several different types of benefits received from this governmental funding source. The qualifications necessary for each type of benefit is different. You might be eligible for retirement benefits, disability benefits, supplemental security income, Medicare or survivors benefits.

Social Security Benefits

Most people interact with the Social Security system when they near retirement age and start planning to recover some of the funds that have been paid into the system during the working life. Generally, you can qualify for early retirement benefits from Social Security beginning at age 62. Full retirement benefits happen after the 66th birthday. The amount of money that you receive on a monthly basis beginning approximately six weeks following your application will be on a sliding scale based on the amount you have paid into the fund and when you are beginning to draw benefits in relation to full retirement age.

Three months before your 65th birthday, you are required to sign up for Medicare. Medicare is the health insurance plan for people of retirement age. There are four parts to Medicare. Hospital insurance, medical insurance, Medicare Advantage and prescription drug insurance. Generally, to qualify for Medicare, you must be 65 and have paid into the system.

Disability benefits are for those individuals of younger age than retirement who are unable to be gainfully employed. Application is a more complicated process than the other benefits packages offered through SS. The disability can be due to disease, injury, mental illness. Applications for this type of benefit are usually denied on the first go around, but there is a very structured appeal process in several levels.

Social Security survivors benefits are intended to provide income for survivors of those who have paid into the SS funds. The survivors might be a widow or widower, unmarried children, disabled children or dependent parents. The specific qualifications are related to age of the survivors and in some instances other criteria. In some instances, stepchildren or even grandchildren can receive benefits following the death of the wage earner.

Supplemental Security Income is a benefit check paid to adults or children who are disabled, aged, blind and who do not have enough income to provide for basic living needs. These benefits help to cover the cost of shelter, clothing and food. Technically, these benefits are not paid from Social Security funds, but from general tax revenues.

These benefits have a cross section of eligibility requirements. Some of the qualifications are linked to age and health. Others are directly linked to disabling conditions such as cancer, ALS or renal failure. Some of the benefits have means test associated with the age qualifications. There may also be some benefits applied when the applicant has mental issues that require financial assistance.

Some of the Social Security benefits can be done online, with little or no hassle. For example, application for retirement benefits is very simple and straightforward. Others such as disability benefits must be documented and usually appealed after an initial turn down.

Find more information,visit http://www.benefits.gov/ssa

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