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The importance of Social Security survivors insurance

The loss of the family wage earner can be devastating, both emotionally and financially. Social Security helps by providing income for the families of workers who die. In fact, 98 of every 100 children could get benefits if a working parent dies. And Social Security pays more benefits to children than any other federal program.

This booklet gives you an overview of Social Security survivors benefits paid to the spouse and children of a worker who dies. This booklet is not intended to answer all the questions you may have. For more information about Social Security’s survivors program, visit our website or call our toll-free numbers.

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Explanation of Windfall Elimination Provision and Social Security Benefits

This is a very good article which explains, in common language, the reason for the Windfall Elimination Provision (WEP). WEP may be called "double dipping" in common terms.

The article also gives an overview of how Social Security provides a better "rate of return" to low income workers.

Excerpts :

But in a nutshell, I can tell you that Maria’s $1,150 benefit represents about 90 percent of her average lifetime monthly wage. Whereas Frank’s $2,400 Social Security check is probably about 40 percent of his average monthly pre-retirement income.

One-Page Overview of Social Security Disability

Here's a good overview of Social Security disability which answers the following questions :

Who does the SSA consider disabled?

What is the SSA’s definition of disability?

What evidence does the SSA require to prove my medical condition?

What if my medical condition is not in the Blue Book?

Does the SSA have any other requirements for disability benefits?

What if I am able to earn a small income?

If I am unable to work, am I guaranteed disability benefits?

Tips on Filing for Social Security Benefits

This is a good article with several tips on when and how to apply for Social Security benefits.

When to file :

* For a retirement or Medicare claim, file three months before you want your benefits to begin.

* For disability, file as soon as possible.

You can largely file online, with the notable exception of a survivor claim for a widow, widower or surviving child. Call Social Security to schedule an appointment.


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Not affiliated with the US Social Security Administration