Some Answers To Common Questions On Social Security Disability And Spousal Benefits
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Have a question about saving for retirement or your personal financial situation? Whatever the question, Barrons Retirement can try to help. Email , and we might look to financial pros for answers.
Q: I had to take disability benefits at 59, and Im now 65. Will my monthly benefit change at full retirement age, or will I forever be on disability? Can I work part time without adversely affecting my income?
When you reach your full retirement age, a few months before turning 67, your benefits automatically will switch from disability benefits to retirement benefits, and the monthly check will be for about the same amount, according to Wade Pfau, professor of retirement income at the American College of Financial Services.
You may work while receiving disability benefits, but payments will stop if youre engaged in what the Social Security Administration, or SSA, calls substantial gainful activity. In 2022, that level is defined as earning more than $1,350 a month, or $2,260 if youre blind.
If youre receiving disability benefits, youre entitled to a trial work period of up to nine months to test your ability to work. During this time, you can make more than the capped amount without losing benefits, according to the SSA.
Once you reach full retirement age and transition to retirement benefits, theres no limit on how much you can earn while still receiving your full benefits.
What Is The Maximum Benefit
The allowed Social Security retirement benefit for a spouse starts at 32.5% at age 62 and gradually increases to 50% of the amount that their spouse is eligible to receive at full retirement age, which is 66 or 67 depending on their birth year. Even if the spouse delays collecting Social Security until age 70, he or she still gets only 50% of their spouses full amount. So, it is important to claim benefits at your full retirement age, because that will be the most you are eligible to receive.
Note that the maximum benefit for a spouse is 50% of their spouses benefit. That means that your spouse would have had to earn a substantial amount more over his or her working life to make that benefit higher than your own individual benefit. Thus, if both partners are eligible for relatively similar benefits, it makes more sense for each partner to file individually at full retirement age or at age 70, if possible.
Widows and widowers may be able to receive up to 100% of the deceased spouse’s Social Security benefit. Social Security uses a formula for families with more than one eligible dependent to calculate maximum benefits.
How Can My Spouse And I Meet The Eligibility Requirements For Ssdi
As long as you both can prove you suffer an impairment that prevents you from working and you meet the work credit requirements for SSDI you can both receive benefits. The SSA reviews your qualifying criteria on their own merits. Your spouses impairment, income, or other factors do not affect your application.
Because of the nature of the program, the SSA requires you to work long enough to earn a certain number of work credits based on your age. Both you and your spouse will need to have sufficient individual work histories to qualify for SSDI benefits.
If you or your spouse are still doing some work, it must be under the substantial gainful activity limit. If neither of you can workor you work in only an extremely limited capacityyou should meet this requirement. Since your SGA does not include income not earned through working, you may qualify for disability even if you have additional household income from investments, retirement, or other sources.
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Can I Collect Half Of My Spouse’s Social Security At 62
Not quite. The percentage of your spouse’s Social Security that you receive starts at 32.5% at age 62 and steps up gradually to 50% at your full retirement age, 66 or 67, depending on your year of birth. The amount is based on your spouse’s benefit at full retirement age.
The important point is this: Don’t bother delaying past your full retirement age. The amount you receive won’t grow beyond that age.
How To Calculate Your Own Social Security Spousal Benefits
The spousal benefit calculation is straightforward if you dont have a benefit of your own. Remember, in that case, its between 32.5% and 50% of the higher-earning spouses full retirement age benefit, depending on your filing age.
However, it can seem a little more complicated if you have Social Security benefits from your work history.
And to keep things interesting, the Social Security Administration decided that a different calculation method should be used to determine how much each benefit should increase/decrease based on your filing age.
As complicated as Social Security benefits can seem, there is a way to correctly calculate how much your spousal benefit will be if you qualify to receive it.
Check out this section of my video that goes over this calculation step-by-step. VIDEO: How To Calculate Spousal Benefits The RIGHT Way
If you understand how they break down the individual benefits, its not hard to use the table above to quickly figure out what your approximate benefit will be. Heres an example.
Joe and Julie each have a Social Security benefit from work they individually performed. Julies benefit at her full retirement age is $800 per month. Joes benefit at his full retirement age is $2,000.
Assuming they are both full retirement age when they file, Joe will be entitled to a benefit of $2,000 and Julie will be entitled to the greater of her own benefit or half of Joes benefit.
Sounds simple, right?
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Delay Claiming Social Security Benefits
The simplest way to increase your monthly payments is to delay claiming Social Security benefits. The Social Security Agency allows all Americans to start benefits at the early retirement age of 62, but doing so can reduce your monthly payment paycheck.
If you choose to begin receiving Social Security early, for each month there is between when you start and your full retirement age you lose about half a percentage point of the total value you would have earned if youâd waited.
You could miss out on up to 30% of the monthly payment youâd be entitled to at your full retirement age by starting early. If you would receive a monthly benefit of $1,500 at your full retirement age of 67, for instance, starting benefits early at age 62 would reduce that amount to $1,050.
Waiting to start Social Security benefits until after your full retirement age can boost your monthly benefit. According to Eric D. Brotman, CEO of BFG Financial Advisors, there is an 8% annual increase in benefits due for each year you wait from full retirement age through 70.
That means the $1,500 benefit at age 67 could increase by 24% to $1,860 per month if you wait until 70âthatâs the age at which you must begin payments. Just donât wait until after age 70 to start payments.
Can A Spouse Benefit From Your Ssdi Benefits
A disability in the United States is identified as a mental or psychological disorder or physical impairment that limits a person from executing essential tasks. It prevents them from functioning independently and limits their ability to work effectively in the workforce.
Social Security Disability Benefits refers to the monetary assistance that is received by individuals who are unable to work due to their disability. The amount that is allocated is not based on present income, nor the severity of the impairment but the average lifetime earnings received before the infirmity.
For individuals who have a spouse, a child, or others who are reliant on their care, they can also receive benefits from this program. Read on for more information regarding eligibility, maximum family benefit, and the amount that is received by a spouse or other dependents.
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If An Insured Worker Becomes Disabled Or Dies While Collecting Social Security Disability Benefits A Spouse Or Divorced Spouse Can Receive Benefits If The Spouse Cares For At Least One Child Of The Disabled Worker Who Is Under Age 16 Or Over 16 And Disabled
If the disabled child is over age 22, they must have become disabled before age 22. These benefits are called mothers or fathers benefits. If the spouse continues to care for a disabled child after age 16, the spouse may still receive benefits, but the spouse must explain to Social Security that they have parental responsibility for the child to continue benefits. The ten-year marriage requirement does not apply to divorced spouses for mothers or fathers benefits.
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Applying For Spousal Social Security Disability Benefits
Did your husband or wife get approved for Social Security Disability Insurance benefits? Then we have good news: You may be able to collect payments under your spouses record, too. But since its a government-run program, spouses who apply must meet first a few eligibility requirements. Get all the facts you need to know before applying for spousal Social Security disability benefits below.
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Can Spouses Of Social Security Disability Recipients Also Receive Benefits
Posted on: May 12, 2022
Yes, if you are collecting Social Security Disability Insurance , your spouse can receive a benefit based on these requirements:
- You have been married for at least one year
- Your spouse is 62 or older
- Your spouse is caring for your child who is under 16 or is disabled and entitled to benefits
How To Receive Federal Benefits
To begin receiving your federal benefits, like Social Security or veterans benefits, you must sign up for electronic payments with direct deposit.
If You Have a Bank or Credit Union Account:
- Call the Go Direct Helpline at .
If You Don’t have a Bank or Credit Union Account:
- Direct Express debit card – a pre-paid debit card. Get help by calling the Go Direct Helpline at .
Make Changes to an Existing Direct Deposit Account:
On Go Direct’s FAQ page, learn how to make changes to an existing direct deposit account. You also may contact the federal agency that pays your benefit for help with your enrollment.
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Please Answer A Few Questions To Help Us Determine Your Eligibility
Workers who have a long-term disability and have earned sufficient Social Security credits are often entitled to a monthly Social Security disability benefits, and sometimes their spouses are entitled to collect a monthly spouse’s benefit as well. Spouses married for at least a year, divorced spouses who were married at least 10 years, and surviving spouses can be entitled to benefits based on the earnings record of the disabled spouse .
How Much Can I Get In Social Security Disability Spousal Benefits
You can collect up to 50% of your spouses monthly disability benefit amount. If you also have children collecting benefits on your spouses work record, this amount will be reduced based on an overall cap that applies to your family as a whole.
If you have your own qualifying work record, the Social Security Administration will pay that amount first.
If the amount you can receive based on your spouses benefit is higher, the SSA will pay that amount.
Remember: If you begin to collect spousal benefits between age 62 and your full retirement age, your monthly benefit will be reduced, unless youre caring for a child as described above.
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Benefits For Your Children
When you qualify for Social Security disability benefits, your children may also qualify to receive benefits on your record. Your eligible child can be your biological child, adopted child, or stepchild. A dependent grandchild may also qualify.
To receive benefits, the child must:
- Be unmarried.
- Be under age 18 or
- Be 18-19 years old and a full-time student or
How Does My Spouse Apply For A Husband Or Wife’s Benefit
Your spouse must contact the SSA to apply for benefits. The SSA’s phone number is 800-772-1213. Your spouse will need his or her Social Security number and birth certificate. The SSA may also require your marriage certificate and information about any prior marriages.
You could be eligible for up to $3,148 per month In SSDI Benefits
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If Your Spouse Also Worked Under Social Security
If your spouse is eligible for retirement benefits on their own record, we will always pay that amount first. But, if the spouses benefit that is payable on your record is a higher amount, they will get a combination of the two benefits that equals the higher amount.
Identify Ssds Spousal Benefits
Benefits.gov: Your Path to Government Benefits identifies the criteria you must meet to qualify for SSDs spousal insurance benefits. Spousal benefits are designed to meet the needs of a workers spouse if the worker receives SSD benefits. You qualify if:
- You were married for at least one year
- You are at least 62 years old
- Your SSD benefits are not more highly valued than your spouses
Our SSD attorney will help you prove you qualify for spousal benefits, prepare your application, and explain the benefits of tapping into your spouses benefits while waiting to request your own.
For a legal consultation, call
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Could I Benefit From My Husbands Disability
Yes, if your husband is disabled, you could get benefits. If, for example, your husband is getting Social Security Disability Insurance , then you are eligible to draw the benefits on some conditions.
One of the requirements that you must meet is that you must have been married for at least 1 year and that your husband is 62 years or older. The second requirement is that your husband must have been caring for your child who is less than 16 years of age or is experiencing any disability.
The Need For A Reliable Local Attorney
Aside from helping with the disability application paperwork that must be submitted to the social security office, disability attorneys can help in several other ways.
For one, they can look closely into the details of the case and help claimants ensure that they are correctly filing a disability claim. It is important to keep in mind that each disability claim is unique. For instance, in the case of medical disability, social security disability lawyers can speak to your doctor regarding your medical condition and assist in requesting medical records. When necessary, he or she can make proper use of medical evidence to effectively advocate your case.
More than helping you fill out forms necessary when you apply for disability, your social security attorney can explain to you how your circumstances can affect the actual social security benefits you may be entitled to receive. Applying for benefits can take some time, and a professional social security disability attorney will stay connected even during the waiting period.
If you are planning to apply for social security or have questions on the application process for SSDI spousal benefit, give us a call. No two disability cases are alike, and each SSDI application is scrutinized and evaluated very carefully. If you are applying for social security, regardless of the form, get the services of a trusted disability law firm. Contact us at E Orum Young and consult with a trusted Monroe social security disability attorney.
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Caregiver And Survivor Benefits
If you are caring for a child of the deceased worker and the child is under age 16 or disabled, you may be eligible for survivor benefits at any age and regardless of your marital status. If the child is over age 22 and disabled, the child must have been disabled since before turning 22. You can qualify for 75% of your deceased exs benefit.
Loophole #1 File & Suspend
The file and suspend strategy was extremely popular for married couples until this loophole was closed by the Bipartisan Budget Act of 2015. The closure took effect in April 2016, so you can no longer take advantage of this method. However, here is how it worked. You likely already know that you cannot start receiving spousal benefits until the primary beneficiary has applied for benefits. The file and suspend method was a strategy whereby the primary beneficiary would apply for benefits but then suspend the beginning of the benefits until later.
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Can I Get Benefits Based On My Partners Social Security Disability
The answer to this question is yes.A spouse can attain the Social Security Disability Insurance and attain the benefits. However, there is a limitation to this. You must be married for at least 12 months in continuation and your partner must be of 62 years or more. The partner must also be taking care of a child who is less than 16 years or is suffering from any disability.
These benefits are popularly known as mothers or fathers benefits. If both the conditions are met then you can get the disability on your partners record. The Spousal Social Security Disability Benefits are funded by the federal government.
It is administered by the United States Social Security Administration . These advantages are given to the spouse of any worker after retirement.