Articles Posted in Social Security Administration (SSA)

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There will come a time when you are no longer eligible to receive Social Security disability benefits, even if you are still not medically fit enough to earn a sustainable income. When you reach retirement age and become eligible for retirement benefits, you may no longer be eligible to receive Social Security disability benefits. Full Social Security retirement benefits are available for seniors between the ages of 65 and 67.  If you have reached retirement age and are receiving Social Security disability benefits, your Social Security disability benefits will automatically turn into retirement benefits. You do not have to apply to receive your retirement benefits. 

In some cases, individuals may apply for early retirement at age 62. In such cases, they may be eligible for partial retirement benefits. In these special cases, these individuals may continue to receive Social security disability benefits as well as retirement benefits. However, they will not receive double benefits. They will only receive disability benefits so that they can receive their full benefit amount. There will be a cap on the retirement benefits a person can recover, just as there is a cap on the disability benefits he is eligible for.

Retirement benefits, unlike disability benefits, however, may increase with years. For instance, if you wait till you are 70 years old to access your retirement benefits instead of accessing them at age 62, you are likely to receive higher benefits payable every month.

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Social Security checks are deposited on certain days of the month. Typically, these dates correspond to your date of birth. If your birth date is between the 1st and 10th days of the month, your check will be deposited on the second Wednesday of the month. If your birth date is between the eleventh and twentieth days of the month, your payment will be deposited on the 3rd Wednesday  of the month. If your birth date falls after the 21st day of the month, you can expect your check to be deposited in your account by the 4th Wednesday of the month.

However, if you are receiving Social Security and Supplemental Security Income (SSI) benefits, your benefits will be deposited on the third day of the month. If the date of your deposit falls on a Saturday or a holiday, the payment will be deposited one business day earlier.

The dates are different for SSI payments, so if you qualify for these benefits, check up on your due dates. Typically, these benefits are deposited on the first day of each month. If the first falls on a Saturday, Sunday or federal holiday, the check will deposit one banking day earlier.  If you find that your benefits have not been deposited by your due date, you can check up on the status of your benefits by calling the Social Security Administration on 1-800-772-1213. Delays are normal if you are still receiving your checks through the mail. To avoid these delays, switch to the electronic option, and have your benefits deposited directly into your bank account.

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April is National Social Security Month and is a great time to create a Social Security account if you haven’t done so yet. A mySocial Security account is a personalized account that allows you to access all the information you need. The account is free to set up and offers you access to your latest Social Security statements, allowing you to access real-time information about your statement and benefits. You can also receive estimates of the benefits that you are likely to be eligible for in the future, a useful tool when planning for the years ahead. The account helps you manage your Social Security account without any trouble and without any additional expense.

A mySocial Security account gives you the ability to determine your future benefits earnings. The system will calculate this based on a number of factors, including your history of benefits received in the past, as well as future earnings estimates. You can check up on the disability benefits payments that you are estimated to receive in the future as well as retirement benefits.  You can even investigate the benefits that your family members will be eligible for if you pass away as a result of your disability.

There are several other advantages of having a Social Security account. For instance, you can easily get a replacement card if your current card is missing or stolen. So, what are you waiting for? With all the information about your Social Security account you need at your fingertips, you can get better control of your account and ensure that you receive every cent of the benefits that you are eligible for.

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Being arrested or incarcerated can have a negative impact on your Social Security benefits. Being arrested by itself will not mean a suspension of your Social Security disability benefits.  If however, you have been arrested, charged and convicted of a crime, it could impact the benefits you receive.

If you have been convicted and held for a maximum of 30 days, there will be no impact on the Social Security disability benefits that you receive, either under the Social Security Disability Insurance (SSDI) program or the Supplemental Security Income (SSI) program. If however, you are held in jail for longer than 30 days, your benefits may be suspended. You will cease to receive benefits as long as you are still incarcerated.

In the case of SSDI benefits, however, your suspension of benefits will occur only when you have actually been convicted of the crime. If you have been held for 30 days and have been convicted, your benefits payments will stop. You can resume payments without having to reapply once you are released from prison. In those cases in which you are held for longer than 30 days without a conviction, you will continue to be eligible for and receive benefits.

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Your spouse’s income or earnings could have a bearing on your disability benefits depending on the Social Security program under which you are receiving benefits. The Social Security runs two programs for people with disabilities – the Supplemental Security Income (SSI) program and the Social Security Disability Insurance (SSDI) program.

To qualify for SSDI payments, you must have paid into the program during your time in the workforce. The SSI program, on the other hand, is a needs-based program. Under this program, you qualify for benefits if you belong to a low-income group and are unable to work. In fact, you do not need to be disabled to qualify for benefits.  Seniors above the age of 65 may also qualify for SSI benefits if they belong to a low- income category.

If your spouse is earning, it will have no bearing on your eligibility for benefits under the SSDI program. These benefits are reserved for those who have paid into the program, and as long as you have paid sufficiently into the program and meet other criteria, your spouse’s benefits will not impact your case. On the other hand, SSI may reduce the amount of benefits that you are eligible to recover if your spouse is earning above a certain level. If your spouse earns more than or has assets equal to or more than $3,000, you may not qualify for benefits under this program.

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When a person starts receiving Social Security benefits, members of his/her family may also begin receiving supplementary benefits under the Social Security Disability Insurance (SSDI) program. If the worker is eligible for Social Security benefits – meaning that he/she has paid taxes into the Social Security program – then the spouse and children may become eligible for dependent benefits. A disabled child who became disabled before the age of 22 may also be eligible for dependents’ benefits. Even a divorced spouse or parents may be eligible for disability benefits as part of the program.

The family member is eligible for up to 50% of the benefits that you are receiving.  This can apply to each family member who is eligible for the dependents’ benefits. However, the agency will impose an upper limit on the benefits that your family receives. Typically, the benefits that your entire family receives will not exceed 180% of your benefits amount. If you have several family members who qualify, then the benefits that your family members receive will be reduced accordingly. This will not impact the benefits that you are eligible for. However, if a family member of a disabled worker is are also receiving Supplemental Security Income (SSI) benefits, then they may not qualify for benefits under the SSDI program.

If you have questions about a family member’s eligibility for disability benefits, contact this law firm.

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New tax reform laws that were announced last year have some unexpected good news for Social Security disability beneficiaries. They expand the advantages of holding an ABLE (Achieving a Better Life) account for beneficiaries and also extend credits on some accounts. An ABLE account can help a person with disabilities manage their finances better. It helps them save money for expenses that are related to their disability, including housing, education, health, transportation, and assistive aids.

The Tax Cuts and Jobs Act of 2017 helps persons who own ABLE accounts by allowing them to have more money in their account. Earlier, annual deposits into this account were limited to $15,000 per person. Now, however, under the new laws, individuals will be able to deposit all or part of their income into their ABLE account. This will be a significant help to account holders with disabilities.

The new laws allow for funds from a 509 to be rolled over into the ABLE account. Also, starting from this year, ABLE account holders may also be eligible for a Savers Credit, and up to $2,000 of the person’s deposits may be eligible for these credits.

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In many cases, persons who apply for and receive Social Security benefits may also be eligible for and receive other forms of benefits payments. These can include pension payments and Worker’s Compensation benefits. Your recovery of these other benefits could impact the amount of Social Security disability benefits for which you are eligible.

Your Social Security disability benefits can be reduced if you receive benefits under the Worker’s Compensation program or retirement pension programs. For example, if you qualify for and are receiving Worker’s Compensation benefits, then the law places limits on the amount of the payment that you can receive. You may not be eligible to recover more than 80% of your disability benefits payments in Worker’s Compensation earnings. You may be required to pay the Social Security Administration (SSA) back any extra payments that you may have recovered while receiving benefits under other programs.

Typically, your pensions will not be affected by your Social Security Disability Benefits payments. If the pension payments that you made during your work tenure were exempt from Social Security taxes, then your disability benefits payments can be affected. However, this happens only in rare cases because most pension programs will attract Social Security taxes. If you are on a Long Term Disability plan funded by your employer, then you will have your Social Security Disability Benefits payments reduced or offset as a result of this.

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The Social Security Administration (SSA) lists vision loss in its Blue Book of disabilities that are eligible for disability benefits. Persons who suffer from blindness, however, may have special rules that apply to them due to the severely limiting and restrictive nature of their disability. For instance, a person who suffers from even partial blindness may be eligible for disability benefits. The agency defines vision loss as vision that cannot be corrected to better than 20/200 in the better eye, or involving a field of vision of 20 degrees or less, even after using corrective lenses.

However, you may qualify of benefits even if your blindness doesn’t meet these criteria. If your blindness or vision problems make it difficult to work or earn an income, we urge you to discuss your rights to disability benefits with an attorney. The SSA also has a higher income threshold for persons with blindness. If you suffer from vision loss, the monthly earnings limit that applies to you in 2018 is $1,970–which is higher than the limit for non-blind workers.

If you suffer from an eye disease or condition like cataracts, retinopathy, glaucoma or another disease that limits your vision significantly, talk to an attorney about your rights to a claim. Remember, however, that the SSA will not approve of your claim if you have good vision in at least one eye.

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In the last month, I have received two very threatening calls on my cell phone from a person purporting to represent the Social Security Agency.  The caller threatens me with criminal prosecution if I do not hang up and call another number.  Admittedly, I did not not call the number because I do not want to engage with fraudsters.  Even before these calls, SSA had sent out an alert about fraudulent calls.  In the last few months, there have been many reported spoofed calls from people claiming to be Social Security Administration (SSA) employees. In these calls, the number on your caller ID may show up as the actual Social Security toll-free number, 1-800-772-1213. The scammers on the phone are not actually calling from the SSA, but are spoofing the number to try to make the call look real.

However, there are some warning signs that can alert you to a spoofed call. The SSA will never offer to increase your benefits in exchange for information. The SSA will also never threaten to cut off your benefits if you do not give them the information they are asking for. If a call sounds suspicious, you should hang up on the call immediately. You should also report the call by calling 1-800-269-0271 or by clicking here. If you are in doubt whether a call is actually from the SSA, hang up and call the SSA directly at 1-800-772-1213. By calling this number, you are guaranteed of reaching an actual SSA employee — or if you  are put on hold for 45 minutes then you know you have reached the Social Security Administration!

If you have any questions about filing a Social Security disability claim, contact this law firm.