OASDI Beneficiaries by State and County (2013)

The annual Social Security Administration publication OASDI Beneficiaries by State and County (2013) is available.  

Quoting from the preface: 

This annual publication focuses on the Social Security beneficiary population—people receiving Old-Age, Survivors, and Disability Insurance (OASDI) benefits—at the local level. It presents basic program data on the number and type of beneficiaries and the amount of benefits paid in each state and county. It also shows the numbers of men and women aged 65 or older receiving benefits.”

In your state or county, how many people receive Social Security monthly benefits?

How is that divided between Social Security retirement, survivors or disability benefits?

How much money does that bring in to your local economy?

Find out here. 

As of December 2013, 18.3 percent of the entire United States population received a Social Security retirement, survivors or disability benefit. Including family members, this was approximately 70 percent retirement benefits, 11 percent survivors, and 19 percent disability.

In North Dakota, 17.1 percent of the population received Social Security benefits, 17.5 percent in Minnesota, 19.3 percent in South Dakota and 20.5 percent in Montana. What about where you live?  

When looking up your state or county information, keep in mind that benefit amounts are shown in thousands of dollars.

What SSA widow / widower benefits are not age based?

My preceding post was about Social Security survivors benefits to a widow or widower based on age, payable once the eligible person is at least age 60.

This leads to the question of what widow or widower Social Security survivors benefits are not based on age. There are two, each with its own requirements.

At any age, Social Security survivor benefits might be payable to a widow or widower if a child of the deceased also receives suvivors benefits on that record. The surviving parent must be taking care of the child and the child must be younger than age 16 or disabled.

Since taking care of the eligible child is the reason for payment of benefits, age of the surviving parent does not change the amount payable to the widow or widower. However, their individual benefits for a year can be reduced by employment earnings due to the annual earnings test, just as for a person receiving Social Security retirement. Amounts paid to the widow(er) can potentially lower amounts payable to eligible children. For these reasons, people otherwise eligible for this type of benefit sometimes choose not to receive it, especially if working full-time.

The other is based on disability, with an age requirement. Called disabled widow(er) benefits, these can be paid if the person is at least age 50, but not age 60, and determined to be disabled within a certain period of time. Exceptions exist but usually the disability must have started within seven years of the spouses death.

Not being discussed today, divorced spouses of a worker who dies can receive the same types of survivors benefits as a widow or widower, provided that the marriage lasted 10 years or more and other requirements are met.

Read the booklet “Survivors Benefits” (SSA publication 05-10084) for general information about Social Security survivors benefits.

 

Survivor benefits if twice widowed

This interesting question came from a woman so, for convenience, the answer refers to Social Security survivors benefits for a widow. The information also applies to a widower.

Q: I did not work outside the home, but have been widowed twice. I started Social Security widows benefit at age 60 after my first husband died. Eventually I remarried, continuing those benefits, until now at age 65 was widowed for a second time. The SSA representative said I could receive a larger benefit amount from my second husband now or wait for an even higher amount at age 66. Please explain this.

A: It was excellent that this person contacted Social Security to learn about possible benefits. Social Security representatives can provide options to consider based on personal information you provide, but the decision is yours. Ask questions until you understand your options.

A person can be eligible for benefits on more than one Social Security work record. For this question, survivors benefits are possible through the work records of two deceased husbands. More routine examples are people who are eligible for retirement through their own work record and that of a spouse or through their own retirement and a suvivors record as widow or widower. When eligible on more than one record, combined benefit amounts will equal the highest individual benefit amount.

Age 60 is the earliest a widow or widower can start Social Security survivors benefits based on age. The younger you start, the larger the reduction. As with SSA retirement benefits, each month of delay in starting provides a larger monthly amount, but only up to when you reach your survivors full retirement age (FRA). Survivors FRA’s are different from retirement FRA’s.

For example, when started at age 60 the monthly reduction in survivors benefits is about 28.5 percent so this woman receives about 71.5 percent of the maximum survivors benefit amount on her first husband’s record.

Since she remarried after age 60, SSA survivors benefits through her first husband continued. These benefits cannot be paid if a person remarries before age 60, unless that marriage ends. Although possible, for simplicity it is being assumed that she did not receive SSA benefits as a spouse through her second husband’s work record.

Based on the question, she is younger than her full retirement age (FRA) for survivors benefits and SSA benefits from her second husband’s work record will be higher than those already being received.

Effective with the month of the second husband’s death, one option she has is to begin widow’s benefits through his work record immediately. These would be reduced for age. If exactly age 65, she would receive about 95.3 percent of the full amount.

Another option is that she could continue receiving only the widows benefit through her first husbands record and delay starting benefits through the second husband until she was older. That benefit amount would increase with each month of delay up to FRA when she would receive 100 percent of the amount payable through his record.

People of all ages receive monthly Social Security survivors benefits. Learn more at www.socialsecurity.gov/survivorplan/survivors.htm

Replace your Medicare card online

Do you need to replace your Medicare card?

There is no charge to do this. Go to the Social Security website, www.socialsecurity.gov.

From the homepage, click on the “Numbers & Cards” section and then on the “Replacement Medicare Card” link.  

This brings you to an information page. Click on the start button at bottom right of that page and make your request.

What you should know when requesting a replacement Medicare card:

  • Your new Medicare card will arrive in the mail in about 30 days
  • It will be mailed to the address that Social Security has on file for you
  • If you have moved and not reported your new address, contact Social Security to do so. When doing this, you can request a replacement Medicare card at the same time. The national SSA toll-free number is 1-800-772-1213 (TTY 1-800-325-0778) with SSA representatives available from 7:00am – 7:00pm, business days. 
  •  If you need immediate proof of Medicare coverage, contact your local office.

Did you know? Online opportunity to replace Medicare cards first became available on July 11, 2000.  

 

When do I get credit for my 2013 earnings?

Q: I retired effective January 2014, so my current Social Security payment only reflects earnings through 2012. When will my retirement amount include 2013 wages? What do I need to do to make that happen?  

A: Earnings for 2013 are automatically reviewed for possible increase to your retirement benefits when posted to your work record, approximately by October 2014. You do not need to do anything for this to happen. The automatic review includes employment from wages and self-employment.  

Employers pay estimated taxes to IRS based on wages paid during the year but specific information of how much individual employees earned during a year are only sent to the Social Security Administration with annual W-2’s. Your employer reports earnings to Social Security at about the same time you receive your W-2 form. The employer report is a copy of the W-2.  

Employers of all sizes can register to report W-2 information electronically with Social Security Business Services Online. Incentives exist to encourage electronic W-2 reporting but many still are received by paper, requiring additional handling and processing time.  

W-2 processing for a year is usually completed during the fall of the following year, approximately October. Social Security receives more that 250 million wage reports annually. These are processed by employer report, not by individual employee. If you worked for more than one employer during the year, your total earnings will not be posted to your personal earnings record all at one time. Earnings from each employer will be added to your record when that employer’s report is processed.  

Your 2013 earnings will be automatically reviewed for possible increase to your retirement benefits when posted to your work record. While this review is automatic, it does not mean that benefit amounts will increase a significant amount or even at all. Retirement benefits are based on your best 35 years of employment, with the actual earnings amounts adjusted (indexed) to account for changes in average wages over the years. New earnings would have to replace earnings already used to increase your retirement amount. If 2013 earnings increase benefits, the increase is retroactive to the start of 2014.   

Since Social Security posts W-2 information all during the year, this automatic review might be sooner, especially if the employer reports W-2 data electronically with Social Security Business Services Online, but final reviews are completed when all W-2’s for the preceding year are processed in the fall. 

This review is done automatically every year that new earnings are posted to your work record. You do not need to take any action for this to happen.  See page 9 of “How Work Affects Your Benefits” at http://www.socialsecurity.gov/pubs/EN-05-10069.pdf.

Whether or not receiving monthly benefits, you can check your personal Social Security earnings record by creating your my Social Securityaccount and looking at your SSA Statement. Earnings on the Statement are updated as described above, with earnings for a year posted during the fall of the next.

Can I replace my Social Security card by mail?

Q: Can I replace my Social Security card by mail or do I have go to a SSA office?

A: At no charge, replacement Social Security number (SSN) cards can be requested by mail or at a SSA office. Either way, you need to complete the same application and present the same original documents.

Download the application and learn what documents are needed at www.socialsecurity.gov/ssnumber/.  

Documents submitted must be either original or a copy certified by the issuing agency, not a photocopy or notarized copy. All documents are returned to you.

Warning: There is no charge for any Social Security number action. Be aware of private for- profit websites that charge fees for providing the SSN card application. Go to the official Social Security Administration website, www.socialsecurity.gov.

For Congressional staff and now You: learn about SSA disability

On May 27, 2014, Congressional staff learned about the Social Security disability program when Carolyn W. Colvin, Acting Commissioner of Social Security, keynoted a Capitol Hill presentation by SSA executives.  

Now you can watch this presentation.

This was a teaching session, not a committee hearing.

Included were details about the growth, solvency and sustainability of the disability program by Stephen C. Goss, Chief Actuary, Social Security Administration.

Other sections were about who receives disability, basic eligibility requirements and the disability process including the initial claim and different levels of appeal.

You can watch the video of this teaching session or just see the slides used.

I urge you to take advantage of this opportunity. Information is easily understandable, without technical jargon. 

After introductions, Stephen Goss’s presentation begins at about 6:45 in the video. Other Social Security executives discussed program information after his portion until about 1:00:00 when audience questions began. The full video is about 1:17:34 in length with several guest introductions and comments included during the session.

Social Security at age 62

Every so often, I have mentioned that Social Security legislation is now gender neutral, meaning that benefit requirements are the same for women and men. This has not always been the case.

Today, June 30, is the anniversary of legislation that helped provide men with the same retirement benefits already enjoyed by women. Although few are probably aware of it now, this legislation was important to any man starting Social Security retirement benefits before reaching full retirement age (FRA).

Today’s concept of full retirement age was not required when Social Security first began because the Social Security Act of 1935 did not contain provisions for retirement payments before age 65. 

Concerning age for retirement, the 1935 Act, section Title II-Federal Old-Age Benefits, states:

“SEC. 202. (a) Every qualified individual (as defined in section 210) shall be entitled to receive, with respect to the period beginning on the date he attains the age of sixty-five, or on January 1, 1942, whichever is the later …”

For men, this changed on June 30, 1961 when the Social Security Amendments of 1961 were signed by President John F. Kennedy. Along with other provisions, these Amendments permitted male workers to elect early retirement at age 62.

When were women able to start Social Security retirement at age 62? November 1956, when Dwight D. Eisenhower was President.

When to start your Social Security retirement is an individual decision but starting before reaching full retirement age remains very popular. Use the free, personalized, online planning tools and calculators in the SSA Retirement Planner to help plan your SSA retirement. For some topics to consider, read the SSA publication “When to Start Receiving Retirement Benefits.”

Learning what Medicare covers

Q: Where can I learn what routine supplies Medicare will cover for my chronic medical condition?

A: The Centers for Medicare and Medicaid Services (CMS) is the agency that runs Medicare so SSA employees can only answer very general coverage questions. However, the Medicare website, www.medicare.gov, has your information. 

On that homepage, use the coverage search tool or go to the “What Medicare Covers” section. This is what the Medicare homepage looks like:

You can also call the Medicare toll-free number, 1-800-MEDICARE, or read the official Medicare handbook, Medicare and You, 2014.

 

General Medicare information is on the Social Security website at http://www.socialsecurity.gov/medicare/.  There you can also learn about Medicare enrollment or apply for Medicare without starting Social Security benefits.

 

Update: Social Security and same-sex marriages

Following is a Social Security press release dated June 20, 2014.

 Social Security Defines Policy for Same-Sex Married Couples

Agency Extends Benefits Broadly, Subject to Legal Constraints

Social Security has published new instructions that allow the agency to process more claims in which entitlement or eligibility is affected by a same-sex relationship. These instructions come in response to last year’s Supreme Court decision in U.S. vs. Windsor, which found Section 3 of the Defense of Marriage Act unconstitutional. 

This latest policy development lets the agency recognize some non-marital legal relationships as marriages for determining entitlement to benefits. These instructions also allow Social Security to begin processing many claims in states that do not recognize same-sex marriages or non-marital legal relationships.  We have consulted with the Department of Justice and determined that the Social Security Act requires the agency to follow state law in Social Security cases. The new policy also addresses Supplemental Security Income claims based on same-sex relationships.

As with previous same-sex marriage policies, we worked closely with the Department of Justice,” said Carolyn W. Colvin, Acting Commissioner of Social Security. “We are bound by the law within the Social Security Act, and we have to respect state laws.  We remain committed to treating all Americans fairly, with dignity, and respect.”

If a person believes he or she may be entitled to or eligible for benefits, they are encouraged to apply now.

To learn more, please visit www.socialsecurity.gov/same-sexcouples.