SOCIAL SECURITY SURVIVOR BENEFITS

Two things in this world are sure and these are living and dying. The living part benefits of Social Security comprises of disability benefits, retirement benefits and Medicare Health Benefits. The death benefits of Social Security is embodied in its survivor insurance package wherein family of deceased Social Security member is given deceased retirement benefits in order to help them continue with their lives. Aside from that, in most cases survivors insurance is probably more than value of deceased life insurance. By now, you are probably thinking just how you may be able to earn social security survivors benefits. The first thing to do is of course to become a member of social security and then you have to work in order for you to earn enough Social Security credits. A social security member can earn up to four credits each year. These credits will be basis for survivor benefits that would be given to family of deceased social security member. In addition, survivor benefits to be given to family of deceased social security member will also depend on age of member at time he or she died. For social security members who died at a young age, fewer credits are allotted for family and would therefore render them a much lower survivor benefits. The survivor benefits will also depend on working years of social security member. In addition, each member of social security is allowed to have not more than forty credits which is also equivalent to ten working years.

SOCIAL SECURITY DISABILITY

The supplemental security disability income programs are largest of federal programs that aid people during their disabilities. Moreover, only those individuals who have disability and meet medical criteria may qualify for benefits under this program. Most of people who qualify under this category are aged, blind as well as disabled people who have little or no income. The purpose of supplemental disability programs is to provide cash to disabled individuals in order for them to meet their basic needs for food, clothing and shelter.

For people to qualify for supplemental disability income programs, first they must have worked in jobs covered by social security. The second qualification is that their medical condition must meet social security’s definition of disability. Furthermore, benefits usually continue until disabled social security member is able to work again on a regular basis. There are also a number of special rules called work incentives, which provide continued benefits as well as health care coverage to help disabled member in going back to work. However, for individuals who have been diagnosed to experience permanent disability, disability benefits will automatically be converted to retirement benefits at same amount.