Myrl Jeffcoat wisgroup_leader@yahoo.com
23 janvier, 2007 09:53
Iportant Facts Regarding Social Security Benefits
Thanks to Pam for sending the following information about Social Security benefits, which some may find valuable.
*[Note from Myrl]: .Actually, the social security benefit is even a little better than what Pam describes. . .A woman who is divorced, but had been married to a spouse for at least 10 years, can draw off the ex-spouse's SS. He does not need to be deceased, but if he should become so, the benefit can increase. This is an important benefit to those who were mostly homemakers, or didn't make much income outside the home. I have also seen women who had reasonably good jobs, but still made more drawing off of an ex-spouse. This benefit does not penalize or reduce the benefit of the ex-spouse. If the ex-spouse has remarried, and the "new" wife has been married to him, for 10 years or more, I believe from what I knew a couple of years ago, that the "first" wife, get's first bite;-). . .but it may be that the first wife to apply for benefits, may get first bite;-). . .In any case, it is important to investigate the social security benefit(s), and how they may apply to you individually.
Myrl
http://www.webstarmagic.com/wisletter.htm
Myrl,
For those women who are widowed, this information may be of use to them. Even if they are divorced, if they were married at least 10 years and have not remarried, they could possibly draw off of a former deceased spouse. It is worth it to at least be able to check out these benefits.
Pam
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Whether it’s by phone or in person, we want your visit to go as smoothly as possible. You can help by being ready to answer the following questions and having as many of the needed documents as possible. We may also ask you to provide documents to show that you are eligible: Birth certificate or other proof of birth; Naturalization papers; U.S. military discharge paper(s); For disability benefits, the two forms and that describe your medical condition and authorize disclosure of information to us; and W-2 forms(s) and/or self-employment tax returns for last year. We accept photocopies of W-2 forms, self-employment tax returns or medical documents, but we must see the original of most other documents, such as your birth certificate. (We will return them to you.) Don’t delay filing your claim just because you don’t have all the documents. We’ll help you get them. When you apply for widow's or widower's benefits, we will ask you: Your name and social security number; Your name at birth (if different); The worker's name, gender, social security number, date of birth, date of death, and place of death; Your date of birth and place of birth (State or foreign country); Whether a public or religious record was made of your birth before age 5; Your citizenship status; Whether you have used any other Social Security number; The State or foreign country of the worker's fixed permanent residence at the time of death; Whether you or anyone else has ever filed for Social Security benefits, Medicare or Supplemental Security Income on your behalf. (If so, we will also ask for information on whose Social Security record you applied.); Whether the worker ever filed for Social Security benefits, Medicare or Supplemental Security Income. (If so, we will also ask for information on whose Social Security record you applied.); Whether you became unable to work because of illnesses, injuries or conditions at any time within the past 14 months. (If "Yes," we will also ask you the date you became unable to work); Whether the worker was unable to work because of illnesses, injuries or conditions at any time during the 14 months before his or her death. (If "Yes," we will also ask youthe date he or she became unable to work.); Whether you or the worker were ever in the active military service before 1968 and, if so, the dates of service and whether you receive or are eligible to receive a pension from a military or Federal civilian agency; Whether you or the worker worked for the railroad industry; Whether you or the worker ever earned social security credits under another country's social security system; Whether you qualified for or expect to receive a pension or annuity based on your own employment with the Federal government of the United States or one of its States or local subdivisions; The names, dates of birth (or age) and social security numbers (if known) of any of your or the worker's former spouses; The dates of each of your marriages and, for marriages that have ended, how and when they ended; The dates of each of the worker's marriages and how and when they ended; The amount of the worker's earnings in the year of death and the preceding year; Whether the worker had earnings in all years since 1978; The amount of your earnings for this year, last year and next year; Whether the worker had a parent who was dependent on the worker for ½ of his or her support at the time of the worker's death or at the time the worker became disabled; Whether you were living with the worker at the time of death; Whether you have any unsatisfied felony warrants for your arrest or unsatisfied Federal or State warrants for your arrest for any violations of the conditions of your parole or probation; The month you want your benefits to begin; and If you are within 3 months of age 65, whether you want to enroll in Supplemental Medical Insurance (Part B of Medicare). Depending on the information you provide, we may need to ask other questions. You also should bring along your checkbook or other papers that show your account number at a bank, credit union or other financial institution so you can sign up for Direct Deposit, and avoid worries about lost or stolen checks and mail delays. ========================================================================== Survivors Benefits For Your Widow Or Widower http://www.ssa.gov/survivorplan/onyourown2.htm If you have a surviving divorced spouse who has not remarried, he or she could get benefits just the same as a widow or widower provided that your marriage lasted 10 years or more. Benefits paid to a surviving divorced spouse who meets the age or disability requirement as a widow or widower won't affect the benefit amounts your other survivors will receive based on your earnings record. If your former spouse is caring for your child who is under age 16 or disabled who gets benefits on your record he or she will not have to meet the length-of-marriage rule. (The child must be your natural or legally adopted child.) However, if he or she qualifies for benefits as a surviving divorced mother or father who is caring for your child, his or her benefits may affect the amount of benefits your other survivors will receive based on your earnings record. Please note: If your surviving divorced spouse will also receive a pension based on work not covered by Social Security, such as government or foreign work, his or her Social Security benefit on your record may be affected. =========================================================================== http://www.ssa.gov/survivorchartred.htm If you receive benefits early You can receive widows/widowers benefits based on your age at any time between age 60 and your full retirement age as a survivor. However, if you start at one of these early ages, your benefits are reduced a fraction of a percent for each month before your full retirement age. If you start widows/widowers benefits before age 62 and switch to retirement benefits when you reach your full retirement age* your retirement benefit may also be affected. As a general rule, early widows/widowers benefits based on your age will give you about the same total Social Security survivors benefits over your lifetime, but in smaller amounts to take into account the longer period you will receive them. Note: If your birthday is on the 1st of the month, we figure the benefit as if your birthday was the previous month. Pros and Cons There are disadvantages and advantages to taking your benefit before your full retirement age. The advantage is that you collect benefits for a longer period of time. The disadvantage is that your benefit may be permanently reduced. Each person's situation is different, so make sure you contact Social Security before you decide to retire. |
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http://www.ssa.gov/survivorplan/onyourown5.htm
How Much Would Your Survivors Receive?
How much your family would receive in benefits depends on your average lifetime earnings. The higher your earnings were, the higher their benefits would be. We calculate a basic amount as if you had reached full retirement age at the time you die. (If you already receive benefits when you die, survivor benefits are based on that amount.)
These are examples of benefit payments:
Widow or widower, full retirement age or older--100 percent of your basic amount;
Widow or widower, age 60 to full retirement age -- 71.5 to 99 percent;
Disabled widow or widower, age 50 through 59 -- 71.5 percent;
Widow or widower, any age, caring for a child under age 16 -- 75 percent.
A child under age 18 (19 if still in elementary or secondary school) or disabled -- 75 percent.
Percentages for a surviving divorced spouse would be the same as above.
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http://www.ssa.gov/survivorplan/onyourown6.htm
Maximum Benefit Amount For Your Family
There's a limit to the amount that your family members can receive each month. The limit varies, but is generally equal to about 150 to 180 percent of your basic benefit rate.
If the sum of the benefits payable to your family members is greater than this limit, their benefits will be reduced proportionately. (Any benefits paid to your surviving divorced spouse based on disability or age won't count toward this maximum amount.)
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http://www.ssa.gov/survivorplan/1945s.html
How Your Social Security Survivors Benefit is Reduced
|
60 |
71.5% |
|
60 + 1 month |
71.9 |
|
60 + 2 months |
72.3 |
|
60 + 3 months |
72.7 |
|
60 + 4 months |
73.1 |
|
60 + 5 months |
73.5 |
|
60 + 6 months |
73.9 |
|
60 + 7 months |
74.3 |
|
60 + 8 months |
74.7 |
|
60 + 9 months |
75.1 |
|
60 + 10 months |
75.5 |
|
60 + 11 months |
75.9 |
|
61 |
76.3 |
|
61 + 1 month |
76.6 |
|
61 + 2 months |
77.0 |
|
61 + 3 months |
77.4 |
|
61 + 4 months |
77.8 |
|
61 + 5 months |
78.2 |
|
61 + 6 months |
78.6 |
|
61 + 7 months |
79.0 |
|
61 + 8 months |
79.4 |
|
61 + 9 months |
79.8 |
|
61 + 10 months |
80.2 |
|
61 + 11 months |
80.6 |
|
62 |
81.0 |
|
62 + 1 month |
81.4 |
|
62 + 2 months |
81.8 |
|
62 + 3 months |
82.2 |
|
62 + 4 months |
82.6 |
|
62 + 5 months |
83.0 |
|
62 + 6 months |
83.4 |
|
62 + 7 months |
83.8 |
|
62 + 8 months |
84.2 |
|
62 + 9 months |
84.6 |
|
62 + 10 months |
85.0 |
|
62 + 11 months |
85.4 |
|
63 |
85.8 |
|
63 + 1 month |
86.1 |
|
63 + 2 months |
86.5 |
|
63 + 3 months |
86.9 |
|
63 + 4 months |
87.3 |
|
63 + 5 months |
87.7 |
|
63 + 6 months |
88.1 |
|
63 + 7 months |
88.5 |
|
63 + 8 months |
88.9 |
|
63 + 9 months |
89.3 |
|
63 + 10 months |
89.7 |
|
63 + 11 months |
90.1 |
|
64 |
90.5 |
|
64 + 1 month |
90.9 |
|
64 + 2 months |
91.3 |
|
64 + 3 months |
91.7 |
|
64 + 4 months |
92.1 |
|
64 + 5 months |
92.5 |
|
64 + 6 months |
92.9 |
|
64 + 7 months |
93.3 |
|
64 + 8 months |
93.7 |
|
64 + 9 months |
94.1 |
|
64 + 10 months |
94.5 |
|
64 + 11 months |
94.9 |
|
65 |
95.3 |
|
65 + 1 month |
95.6 |
|
65 + 2 months |
96.0 |
|
65 + 3 months |
96.4 |
|
65 + 4 months |
96.8 |
|
65 + 5 months |
97.2 |
|
65 + 6 months |
97.6 |
|
65 + 7 months |
98.0 |
|
65 + 8 months |
98.4 |
|
65 + 9 months |
98.8 |
|
65 + 10 months |
99.2 |
|
65 + 11 months |
99.6 |
|
66 |
100. |
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*If your birthday is on the 1st of the month, we figure your benefit as if your birthday were in the previous month. |
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