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Social SecurityAdministration

I. Carl Robinson

Public Affairs Specialist

Trenton, NJ

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Social Security Benefits

• Retirement Benefits

• Disability Benefits

• Survivor Benefits

• Medicare Entitlement

• Supplemental Security Income (SSI)

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54 million people54 million people

Who Gets Benefits from Social Security?Who Gets Benefits from Social Security?

33.7 million Retired Workers2.9 million Dependents

7.8 million Disabled Workers, 1.9 million Dependents

4.6 millionWidows/ Widowers

1.9 millionChildren of Deceased Workers

2/20092/2009

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1935Retirement Insurance

1935Retirement Insurance

History - Social Security’s ProgramsHistory - Social Security’s Programs

1956Disability Insurance

1956Disability Insurance

1939Survivors Insurance

1939Survivors Insurance

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Other ProgramsOther Programs

1965Medicare

1965Medicare

1972Supplemental

Security Income

1972Supplemental

Security Income

2003Medicare

Prescription Plan

2003Medicare

Prescription Plan

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Chi

ldre

n P

er W

oman

U.S. Birth Rate 1920-2020U.S. Birth Rate 1920-2020

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Payments to

Beneficiaries

Workers&

Employers

Who Pays for Social Security?Who Pays for Social Security?

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Who Can Get Survivors Benefits?Who Can Get Survivors Benefits?

Widow or Widower:

Reduced benefits at age 60

If disabled as early as age 50

At any age if caring for child under 16 or disabled

Divorced widows/widowers may qualify

Your Child if:

Not married under age 18 (under 19 if still in high school)

Not married and disabled before age 22

Widow or Widower:

Reduced benefits at age 60

If disabled as early as age 50

At any age if caring for child under 16 or disabled

Divorced widows/widowers may qualify

Your Child if:

Not married under age 18 (under 19 if still in high school)

Not married and disabled before age 22

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Social Security’s Disability Definition:Social Security’s Disability Definition:

A medical condition preventing substantial work for at least 12 months, or expected to

result in death. The determination also considers age, education & work experience.

A medical condition preventing substantial work for at least 12 months, or expected to

result in death. The determination also considers age, education & work experience.

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You Need to Work to Earn Social Security CreditsYou Need to Work to Earn Social Security Credits

Each $1,120 in earnings gives you one credit

You can earn a maximum of 4 credits per year

Example: To earn 4 credits in 2011, you must earn at least $4,480. Earning 40 credits throughout your working life will qualify you for a retirement benefit.

Each $1,120 in earnings gives you one credit

You can earn a maximum of 4 credits per year

Example: To earn 4 credits in 2011, you must earn at least $4,480. Earning 40 credits throughout your working life will qualify you for a retirement benefit.

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Social Security Disability

If you become disabled… Then you generally need:

Before age 24 1.5 years of work during thethree-year period ending

with

the quarter your disability began

Age 24 but before age 31 Work during half the time for the period after you turn 21

and

ending with the quarter you

became disabled

Age 31 or older Five years of work out of the last 10 year period

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Importance of Social Securityto Young Americans

Importance of Social Securityto Young Americans

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Importance of Social Securityto Young Americans

Importance of Social Securityto Young Americans

Almost 3 in 10 of today’s 20-year-olds will become disabled before reaching age 67

About 1 in 7 of today’s 20-year-olds will die prior to age 67

Almost 3 in 10 of today’s 20-year-olds will become disabled before reaching age 67

About 1 in 7 of today’s 20-year-olds will die prior to age 67

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What You May Need When Applyingfor Social Security Benefits?

What You May Need When Applyingfor Social Security Benefits?

Social Security number for each applicant

Proof of age (birth certificate)

Latest W-2 or self-employment tax return

Earnings estimate

Bank information for direct deposit

Information about marriages/divorces/children

Information about military or railroad service

Social Security number for each applicant

Proof of age (birth certificate)

Latest W-2 or self-employment tax return

Earnings estimate

Bank information for direct deposit

Information about marriages/divorces/children

Information about military or railroad service

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TYPES OF CHILD BENEFICIARIES

Minor Children

Student’s age 18 or 19 (if still in High School)

Disabled adult children (disabled prior to age 22)

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RELATIONSHIP TYPES

Natural Child

Adopted Child

Stepchild

Grandchild

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GARNISHMENT ORDERS

Garnishment orders (IWO’s) must come from: a Court of competent jurisdiction, an Authorized Official pursuant to an order of the Court, or Authorized State Child Support Enforcement Agency.

Social Security cannot take action on garnishment orders if they are delivered in a method not in accordance with State Law.

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WHAT BENEFITS CAN BE GARNISHED

SSI (Supplemental Security Income) is a needs based program. Child Support and/or Alimony payments cannot be garnished from SSI benefits.

Social Security Disability and /or Retirement benefits can be garnished for Child Support and/or Alimony payments.

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GARNISHMENT ORDERREMINDERS

Include the order identifier and/or case number on order. Social Security cannot use a social security number alone.

Indicate whether it is an initial order or an amended order.

Excluding this information may cause delays in processing garnishment orders.

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Social Security’s Online ServicesSocial Security’s Online Services

Retirement & Disability Applications

Apply for Extra Help

Retirement/Survivors/Disability Planner

Change of Address

Medicare Card Replacements

Request a Benefit Verification Letter

Start or Change Direct Deposit

Retirement & Disability Applications

Apply for Extra Help

Retirement/Survivors/Disability Planner

Change of Address

Medicare Card Replacements

Request a Benefit Verification Letter

Start or Change Direct Deposit