Social security is a federal program of
social benefits and insurance developed by United States federal in the year
1935. The SS program's perks include various categories such as
- Disability income
- Retirement income
- Medicaid
- Medicare
- Survivorship
- Death benefits
SS is among the largest programs on globe
developed by the government, paying out billions of dollars every year. The
citizens have to pay for the social security benefits. The retirement benefits
are based on the birth year of an individual as early at the age of 62 and late
at the age of 70s. The income amount is
based on the indexed earning on the monthly basis during the thirty-five years
the individual earned. Even the children who are not married and are under 18
years of age and spouse can also avail the benefits of social security. A
divorced spouse can also receive the benefits if their marriage lasted ten
years or more.
The purpose of S social security
- There are different purposes of social security and it is for the benefit f the citizens. Here are some of the purposes explained
- To provide protection to the disabled and elderly people from illness expenses
- To fulfill the materialistic needs of the families
- To keep families together
- It gives a healthy chance to children so that they can grow healthy and with complete security
To fulfill all these purposes federal
government f the United States has different programs like
- Enforcement for child support
- Unemployment insurance
- Energy aid and food stamps
- Child health and mental services
- Medical assurance
- Temporary aid for the needy
- Veterans advantages
Also read: Social Security Sign up Procedure
Filling for SS disability
Filling for the SS disability application
seems to be an intimidating process especially when you are unaware of the
procedure. Questions like whether you qualify or not, what documents are
required keeps flashing in your mind. Many are also anxious about the time to
be taken to receive the benefits and what if their application is denied. Well, there are some easy ways by which you
can go through the entire process. If followed carefully half of the road is
traveled. Read carefully
What are the eligibility criteria?
According to the SSA, a person with the
physical and mental disability or suffering from both and unable to generate
income for themselves and their families can file for the SS disability
benefits. To get approved for the disability program one needs to have been
facing the disability for a minimum one year. The SSA also considers the education,
age, work history. The person must also have thorough evidence given by their
doctors that say you are suffering from a disability.
This program is specially designed for the
individuals who have worked in the past and gained the SS credits. Ideally, the
person must have worked for at least five or more years. The person also needs
to prove about their inability of generating income. If they are having too
much income and assets, in such a case their application is denied.
Filling the application
There are 3 simple steps that one needs to
follow to file the application for social security benefits.
- Apply through telephone
- Visit the SSA website
- Apply online
If one is in great need of money, then it
is imperative that they apply for the SS benefits immediately because it might
take too much time to receive benefits. It can take up to two years to receive
the hearing. This happens due to an economy of the state and aging population.
This can put one in a huge mess so make sure to apply as soon as you can.
In
case your application is denied you can also apply for the decision
always. It is a fact that the majority
of the applications are denied for the first time. So you must have all the
documents ready to face less hassle at the time of filling the SS disability
benefits. The more evidence you are going to submit the more chances you gain
for receiving benefits.
Hire an attorney
Fortunately, you can take the aid of a pro
by hiring a specialized attorney when it comes to SS disability benefits.
Attorneys can guide you in the right manner and also help you with the
procedure. You can easily find them online or ask for recommendations from
family and friends. Having a pro by your
side will relieve your anxiety and you will also have an assurance of getting
your claim successfully.
Spouse and survivor benefits
When the SS was established it was the time
when women used to take care of the home and men used to get out earning money
for his spouse and children. At that time in a case, the husband died the women
found themselves in the state of poverty. The SS board realized the challenges
of women and implemented changes to the system so that women can also fulfill
their needs if something unexpected happened.
The first amendment made was that women can
apply at the age of 62 instead of 65 under an assumption that she is younger
than their husbands. In the year 1939 2 new categories were included known as
survivor benefits and dependent benefits. This was a tremendous aid for the
women and her children who gained smaller advantages as compared to their
spouse or did not qualify for the SS retirement advantages. Today women have
equal rights to file for the SS benefits, SS retirement benefits or can apply
for the survivor or spousal benefits. They can also apply for the social
security benefits based on their own records for work or SS credits they have
gained.
Therefore it is imperative for the female
citizens of United States no matter what marital status they are in to
understand about the survivors and spousal benefits developed specially for
them. They can also file for the SS retirement aids so that they can avail
maximum advantages they are entitled to.
To know more about social security
benefits, eligibility and other information click https://www.ssa.gov/
