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Understanding Your Social Security Benefits Amount In Four Easy Steps

November 29, 2022

Understanding Your Social Security Benefits Amount In Four Easy Steps

People receive Social Security benefits when they retire, have disabilities, or become unable to work. The requirements for receiving benefits depend on several factors. Determining whether you qualify and the amount you are qualified to receive can be difficult.

Failing to understand your options can result in you not getting the full amount of benefits for which you qualify. In some cases, filing at the wrong time or choosing the incorrect option might reduce your benefits permanently. A lawyer can help you calculate your Social Security benefits. Get all the information available to help you make an informed decision. 


Step 1: Learn the Types of Benefits for Which You Qualify

Most people think of Social Security as retirement benefits. While retired workers and their dependents do account for more than 76% of benefits paid, there are other types of SS recipients and benefit types. There are four basic types of Social Security benefits including retirement, dependents, disability, and survivor’s benefits. You can find information about each type on the Social Security website. Learn the requirements for each type and whether you qualify before deciding to file.


Step 2: Set Up a “My Social Security” Account

In the drop-down menu on the Social Security website, select “My Social Security.” You don’t have to be ready to retire or already draw benefits to establish an account. You can use your account to learn updates on your applications and changes in earnings and whether your estimated future benefits have changed.


My Social Security helps you plan and see at a glance how your earnings impact your future. You can also use the assorted tools to compare different strategies and see which one works best for you.


Step 3: Look at Your Statement


If you are considering filing for Social Security benefits, you need the data to make an informed decision. The Social Security website has a lot of information to help answer your questions. Some of the most common questions people ask include:

  • When can I retire?
  • How much will I receive if I retire early?
  • Do I qualify for spousal benefits?
  • How can I maximize my benefits?


Once you sign up and log in to your My Social Security account, you will see the option to download your statement. Your statement contains a lot of the information you need. It will tell you how old you need to be to reach full retirement based on the year you were born. You can view a graph to see how much you will get each year between the present and your full retirement age.


Although you can retire early at the age of 62, you will only receive a portion of your full retirement amount. That number increases with each year you wait. Once you reach the required retirement age, you will get the full benefit amount.


Your statement will tell you if you have earned enough credits to entitle you to retirement benefits. If you have 0 credits, you might still qualify for spousal benefits. If your spouse has earned credits to receive benefits, you can also receive up to half of that amount through spousal benefits.


Part of the confusion about signing up for Social Security benefits is that laws change. For example, new laws for deemed filing prevent you from filing early for spousal benefits and then letting your own retirement grow until regular retirement age. Previously, this method was used to maximize retirement benefits. However, deemed filing does not apply to widows or widowers who qualify for survivor’s benefits.


Another way that Social Security has changed is the way that the number of benefits paid is determined. Many people believe that the amount is based on the last 3 to 5 years of employment. The method used most often today is the average indexed monthly earnings.


The amount of benefits can also vary between two people of the same age and with seemingly similar circumstances. You should always have a lawyer look over your information to maximize your benefits. Contact (lawyer name) for help understanding your Social Security options. This method limits nominal earnings in some cases. This might help you retain the benefit of your earnings during good years without a negative impact on those where business wasn’t as good.


Social Security is a large, complex system that is difficult to navigate. Myths often abound due to outdated laws and methods, or misunderstandings by people who have gotten lost in the system. The best advice doesn’t come from others who have already applied for benefits. It comes from a legal professional who is familiar with the latest laws and guidelines.


Step 4: Contact a Knowledgeable Lawyer

Filing for Social Security benefits is one of the most important things you will do. It determines how much money you must live on once you reach retirement age. Although SS benefits aren’t meant to be the main source of income, it provides at least 90% of income for 1 in 4 older adults.


Social Security is essential for adults who are no longer working because of their age. It is equally important for those who are unable to work or earn full wages because of a disability, injury, or disease. Each type of benefit has a list of qualifications and a list of documents to complete. A mistake in the process could have expensive repercussions.


Some experts spend years learning the Social Security system. You shouldn’t have to worry about being punished because you don’t know what to do. A law firm with experience advising clients on how to maximize their Social Security benefits can help you. 

What Happens If You Don't Get Approved for Social Security Disability Income?

By Erica Scott • February 23, 2024
Applying for Social Security Disability Income (SSDI) can be a long and complicated process. Unfortunately, not everyone who applies is approved for benefits. If you find yourself in this situation, you may be wondering what your options are and what steps you can take next. In this blog post, we'll explore what happens if you don't get approved for SSDI and provide some guidance on how to navigate this challenging situation.  Reconsideration: If your initial application for SSDI is denied, the first step in appealing the decision is to request a reconsideration. During this stage, your case will be reviewed by someone who was not involved in the initial decision-making process. It's important to provide any additional medical evidence or documentation that supports your claim during this time. While the reconsideration process can take several months, it's an essential step in advocating for your right to receive disability benefits. Administrative Law Judge Hearing: If your request for reconsideration is also denied, you have the option to request a hearing before an Administrative Law Judge (ALJ). This is often considered one of the most critical stages of the appeals process as it provides an opportunity to present your case in person and testify about how your disability impacts your daily life. It's crucial to prepare thoroughly for the hearing and gather any relevant medical records or witness statements that support your claim. Appeals Council Review: If the ALJ denies your claim, you can request a review by the Appeals Council. While the council has the authority to overturn a judge's decision, they may also send your case back to another ALJ for further review. The Appeals Council typically takes several months to complete their review, so patience is key during this stage of the appeals process. Federal Court Appeal: If all other avenues have been exhausted and you still believe you are entitled to SSDI benefits, you have the option to file a lawsuit in federal court. While this step can be complex and time-consuming, it provides a final opportunity to present your case before a judge who has the authority to overturn previous decisions made by Social Security Administration officials. Seek Legal Representation: Throughout each stage of the appeals process, it's highly recommended to seek legal representation from an experienced attorney who specializes in disability law. An attorney can help navigate the complexities of applying for SSDI benefits and advocate on your behalf during hearings or reviews. While being denied Social Security Disability Income can be disheartening, it's essential not to give up hope if you believe you are entitled to benefits. By understanding the appeals process and seeking legal assistance when needed, California residents facing denial of SSDI can increase their chances of success when appealing decisions made by the Social Security Administration. Remember that perseverance and determination are key when fighting for access to essential disability benefits.

How A Social Security Disability Income Attorney Can Help You In California

By Erica Scott • January 29, 2024
It can be stressful and life-altering to experience an injury or illness that prevents you from working and earning an income. The Social Security Disability Insurance (SSDI) program exists to provide financial assistance to individuals who have paid into the system and are no longer able to work due to a qualifying disability. In California, the process of applying for SSDI benefits can be complicated, and it’s easy to feel overwhelmed and frustrated. Luckily, there is help available. In this blog post, we’ll explore the ways a Social Security Disability Income attorney can offer assistance in navigating the legal system, appealing denied claims, and securing the benefits you deserve. 1. Understanding the Complexities of SSDI in California Navigating the legal system on your own can be overwhelming, especially when it comes to SSDI. The system is complex, and there are many rules and regulations you must follow to be eligible for benefits. An experienced Social Security Disability Income attorney can help you understand these complexities and guide you through the application process. They’ll review your case, ensure you meet all eligibility requirements, and help you fill out the necessary forms. 2. Appealing a Denied Claim If your initial SSDI application is denied, don’t give up! You have the right to appeal the decision. However, the appeals process can be complicated, and the burden of proof is on you. An attorney can help you gather the necessary medical records, documentation, and other evidence to support your claim. They can also represent you in hearings or conferences with the Social Security Administration (SSA) and help you present a strong case for approval. 3. Protecting Your Rights If you’re navigating the SSDI system on your own, it’s easy to make mistakes that can delay or even jeopardize your claim. An attorney can help you protect your rights as a claimant and ensure that you’re treated fairly by the SSA. They can also provide guidance on the best course of action based on your unique situation. 4. Maximizing Your Benefits An experienced Social Security Disability Income attorney can help you maximize your benefits. They’ll review your case and ensure that you’re receiving all the benefits you’re entitled to, including back pay and retroactive pay. They’ll also help you understand the tax implications of receiving SSDI benefits and offer guidance on how to minimize your tax liability. 5. Peace of Mind Perhaps the most significant benefit of hiring a Social Security Disability Income attorney is the peace of mind they can provide. Navigating the SSDI system on your own can be stressful and worrisome. An attorney can help alleviate some of that stress and anxiety by guiding you through the process and advocating for your rights. Navigating the SSDI system on your own can be a daunting task. Fortunately, there are skilled attorneys available to help you secure the benefits you need and deserve. Whether you’re looking for guidance on the application process, help appealing a denied claim, or assistance in maximizing your benefits, a Social Security Disability Income attorney in California can provide the support and expertise you need. Don’t let a disability prevent you from receiving the financial assistance you’re entitled to. Reach out to an attorney today and start the process of securing the benefits you deserve. 

Why You Need a Social Security Disability Income Attorney

By Erica Scott • December 20, 2023
Applying for Social Security Disability Income can be a daunting process. You will need to fill out lengthy forms, compile medical records, and prepare for interviews. Not to mention, the possibility of being denied your rightful benefits can be overwhelming. Therefore, it is no surprise that many people often seek the assistance of a Social Security Disability Income attorney. If you are a California resident and you are considering applying for these benefits, read on to find out why you need an attorney in your corner.  1. Understanding the Complicated Process The process of applying for Social Security Disability Income is not only time-consuming but also complex. This is because the rules and regulations governing Social Security benefits are often complicated and difficult to understand. A Social Security Disability Income attorney can help you navigate the entire process and ensure that you are following these rules correctly. They can also help you understand what is required to prove your disability and ensure that your application is complete. 2. Preparing for an Appeal If your initial application is denied, you may need to file an appeal. This is where a Social Security Disability Income attorney can be especially helpful. They have the legal knowledge and experience to help you prepare a strong appeal and ensure that your rights are protected. Additionally, an attorney can represent you at the hearing, presenting evidence on your behalf that is crucial to winning your appeal. 3. Maximizing Your Benefits A Social Security Disability Income attorney can also help you maximize your benefits. This can include ensuring that you are receiving the full amount of benefits to which you are entitled and that you are receiving benefits in a timely manner. Furthermore, an attorney can help you understand how working, settlement payouts, and other factors could impact your benefits down the line. 4. Aiming for Faster Results The Social Security Administration process can be known to take a while, however, there are certain scenarios where attorneys can help speed up the process. This is especially true when it comes to filing an appeal, as an experienced attorney knows how to properly fill out the paperwork and compile the necessary evidence. 5. Enhancing Your Chances for Success The number of people who are denied proper Social Security benefits is significant. Even for those who deserve them. Sometimes they will get denied due to loopholes or simply failing to provide the right documentation. This makes having an attorney an important factor in your success in getting Social Security Disability Income as they can make sure you are compiling all the necessary documents to satisfy SIPA. Applying for Social Security Disability Income can be a complicated and daunting process. However, with the assistance of a Social Security Disability Income attorney, you can significantly increase your chances of success. From navigating the complicated process to preparing for appeals, a skilled attorney can help you get the benefits you deserve. So if you are considering applying for Social Security Disability Income in California, don't hesitate to reach out to an attorney today.

Your Guide to Disability Benefits in California

November 7, 2023
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Understanding Social Security Disability Insurance Requirements in California

By Erica Scott • October 31, 2023
Social Security Disability Insurance (SSDI) is a program offered by the US government to individuals who are unable to work due to a medical condition or disability. The program is designed to provide financial support to disabled individuals and their families. However, to qualify for SSDI, there are specific requirements that must be met. If you reside in California and plan to apply for SSDI benefits, it is essential to understand the eligibility criteria and the application process. In this blog post, we'll discuss the requirements for SSDI and how to best navigate the application process in California.  1. Eligibility requirements To qualify for SSDI in California, you must meet the following criteria: - You must have a medical condition or disability that prevents you from working for at least one year or results in death. - You must have earned enough work credits, which is determined by the Social Security Administration (SSA) based on your age and work history. - You must be under full retirement age (65-67, depending on your birth year) - The medical condition or disability must meet the SSA's definition of disability. 2. Medical condition or disability To satisfy the definition of disability under SSDI, the condition must be severe enough to prevent you from working in substantial gainful activity (SGA). In California, SGA means earning a minimum of $1,310 per month for non-blind individuals. The SSA evaluates the severity of the medical condition based on the provided medical records and reports from your doctor. Generally, the condition must be expected to last at least one year or result in death. 3. Application process To apply for SSDI benefits in California, you can either file online, by phone, or by visiting your local Social Security office. When filing, ensure that you have all the required information, including medical records, work history, and other relevant documentation. Once filed, the SSA may require you to undergo a medical examination or request additional information before making a decision on your claim. 4. Disability benefits If your application is approved, you'll start receiving SSDI benefits. The amount received is based on your work history and earnings record. In California, the monthly benefit payment for SSDI ranges from $1,300-$2,300. Additionally, if you have dependent children, they may also be eligible for benefits under the program. 5. Appeals process If your SSDI application is denied, you can appeal the decision by initiating a request for reconsideration or requesting a hearing in front of an administrative law judge. If the administrative law judge denies your appeal, you can further appeal to the Appeals Council or file a civil lawsuit in federal court. SSDI is a crucial program that provides financial support to disabled individuals and their families. However, to qualify for SSDI in California, it is essential to understand the eligibility criteria and the application process. Ensure that you meet the required medical condition, possess enough work credits, and satisfy the other eligibility criteria. If you're in doubt on how to proceed, it's best to consult an attorney to guide you through the process. With the right guidance, you can navigate the SSDI requirements in California and receive the benefits you're entitled to.

How an SSDI Attorney Can Help You Win Your Disability Case in California

By Erica Scott • September 30, 2023
Living with a disability can be a challenging and stressful experience, especially if you are unable to work. Fortunately, the Social Security Administration (SSA) offers Social Security Disability Insurance (SSDI) benefits to people with disabilities who qualify for them. However, navigating the SSDI application process and getting approved for benefits can be a complicated and time-consuming process. That's where an SSDI attorney can help. In this blog post, we'll cover everything you need to know about how an SSDI attorney can help you win your disability case in California.  1. Understanding the SSDI application process One of the ways an SSDI attorney can help you win your disability case is by guiding you through the SSDI application process. The application process can be lengthy and complex, requiring multiple documents and medical records to be submitted. An attorney can help you understand what to expect throughout the application process and help you gather the necessary documentation to support your claim. 2. Representing you in appeals If your SSDI claim gets denied, an attorney can represent you in appeals. Your attorney can guide you in understanding why your claim got denied and review your medical records and other relevant documentation. They can also help you gather additional information to provide in your appeal and represent you at an administrative hearing. An experienced attorney knows how to build a compelling case on your behalf, increasing your chances of getting approved for SSDI benefits. 3. Taking the stress off your shoulders Navigating the SSDI application and appeals process on your own can be overwhelming, especially when you're dealing with a disability. By hiring an attorney to represent you, you can focus on your health and well-being instead of worrying about your SSDI application or appeal. Your attorney will keep you informed throughout the process and guide you through each step, providing peace of mind and reducing your stress. 4. Maximizing your SSDI benefits An SSDI attorney can maximize your benefits and help you get the most out of your SSDI benefits. They can help you understand the different options available and guide you toward the best course of action. They can also help you navigate any tax implications of receiving SSDI benefits. 5. No upfront fees Many SSDI attorneys offer their services on a contingency fee basis, meaning you only pay if you win your case. This can make it more affordable for people with disabilities who may be struggling to make ends meet. Navigating the SSDI application and appeals process can be challenging, but by hiring an experienced SSDI attorney, you can improve your chances of winning your case and getting approved for benefits. An attorney can guide you through the process, represent you in appeals, take the stress off your shoulders, maximize your benefits, and offer their services on a contingency fee basis, making it affordable for people with disabilities in California. Don't hesitate to reach out to a trusted SSDI attorney today to get the help you need.

Requirements to apply for SSDI benefits.

By Erica Scott • August 31, 2023
Disabilities can make it challenging for individuals to work, and in certain cases, can completely prevent it. This is where SSDI (Social Security Disability Insurance) benefits come into play. Individuals who are disabled may qualify for SSDI benefits, which are designed to provide financial benefits to individuals who are unable to work due to their disability. However, applying for SSDI benefits can be daunting, with a lengthy and complicated application process. Therefore, in this blog post, we’ll be discussing the requirements that California residents need to be aware of before applying for SSDI benefits.  1. Eligibility Requirements for SSDI To be eligible for SSDI benefits, applicants must meet the following requirements: • Have worked long and recently enough: Applicants must have worked for at least five of the past ten years, earning enough work credits to qualify for SSDI benefits. • Suffer from a severe disability: The disability must be severe and expected to last for at least 12 months or result in death. • Be unable to work: Applicants must not be able to do any substantial work due to their disability. 2. Required Documents for SSDI When applying for SSDI benefits, there are certain documents that applicants need to provide, including: • Medical records: Applicants must have medical records from every medical professional they have received treatment from in the past. • Work history: Applicants must provide Social Security with their past job titles, the dates they worked, and their average pay. • Education/training details: Social Security Administration (SSA) will also ask for information on the applicant’s education and training to determine their ability to perform a suitable job. 3. The Application Process The application process for SSDI benefits is lengthy and can take from three to six months to process. The application form is available online at the Social Security Administration website, and applicants can also apply for benefits at their local SSA office. Once the application has been submitted, it will be forwarded to the Disability Determination Services for review. 4. What Happens after the Application is Reviewed? After the application is reviewed, the following can happen: • The claim is approved: If the application is approved, the individual will receive their benefit payment every month, starting from the sixth full month after the date the disability began. • The claim is denied: If the application is denied, the applicant can file an appeal. The appeals process is lengthy, and it can take up to two years for a case to be heard if it reaches the Administrative Law Judge level. 5. Working Part-Time While Receiving SSDI Benefits Applicants can still work part-time while collecting SSDI benefits. However, there are certain SSA guidelines when it comes to part-time work. Individuals cannot earn more than a certain amount per month, or they will not be eligible for their SSDI benefits. The SSA provides guidelines on the specific amount that can be earned while continuing to receive SSDI benefits. In conclusion, applying for SSDI benefits can be overwhelming. However, by knowing the eligibility requirements, required documents, and the application process for SSDI, California residents can take necessary steps to apply for benefits. While it's important to remember that the application process can take months, and the appeals process is lengthy, individuals who do qualify for benefits can receive financial support to help them during their time of need. Always make sure to research, ask questions, and if needed, consult a qualified Social Security attorney when applying for SSDI benefits.

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