Mar 27, 2015
49 Million People49 Million People
Who Gets Benefits from Social Security?Who Gets Benefits from Social Security?
31 millionRetired Workers
and 3 millionDependents
6.8 million DisabledWorkers and 1.8 million
Dependents
4.7 millionWidows/ Widowers
1.9 millionChildren
6/20066/2006
RSDI Retirement, Survivors, Disability Insurance Medicare
SSI
Supplemental Security Income Medicaid
C
oncu
rren
t
Social Security’sBenefit Programs
o Based on Work o Pays benefits to the worker and family members if eligibleo Financed by FICA taxes
o SSI needs basedo Low income and resourceso SSI pays individual, no family benefitso Aged, disabled or blindo Financed by General Revenue Funds
RSDI Varies - Based on
your lifetime earnings
Credits Earned
(insured Status)
SSI
$637 max.
Other income may
reduce benefit
Amount of Payment
Your Age When You Retire Affects Your BenefitsYour Age When You Retire Affects Your Benefits
If You’re A Worker and Retire:If You’re A Worker and Retire:
At age 62, you get less money permanentlyAt age 62, you get less money permanently
At your full retirement age, you get your full benefitAt your full retirement age, you get your full benefit
You get even more money if you work past your full retirement ageYou get even more money if you work past your full retirement age
In Addition to the Retiree,Who Else Can Get Benefits?In Addition to the Retiree,
Who Else Can Get Benefits?
Your SpouseYour Spouse
Your ChildYour Child
At age 62At any age if caring for child under 16 or disabledDivorced spouses may qualify
At age 62At any age if caring for child under 16 or disabledDivorced spouses may qualify
Not married under 18(under 19 if still in high school)
Not married and disabled before age 22
Not married under 18(under 19 if still in high school)
Not married and disabled before age 22
Who Can Get Survivors Benefits?Who Can Get Survivors Benefits?
Reduced benefits at age 60Reduced benefits at age 60
If disabled as early as age 50If disabled as early as age 50
At any age if caring for child under 16 or disabledAt any age if caring for child under 16 or disabled
Divorced widows/widowers may qualifyDivorced widows/widowers may qualify
Not married under age 18 (under 19 if still in high school)Not married under age 18 (under 19 if still in high school)
Not married and disabled before age 22Not married and disabled before age 22
If Your Child Is:If Your Child Is:
Widow or Widower:Widow or Widower:
Who Can Get Disability Benefits?Who Can Get Disability Benefits?
WorkerWorker
At age 62At age 62
Must have paid into Social Security five out of last 10 yearsMust have paid into Social Security five out of last 10 years
At any age if caring forchild under 16 or disabledAt any age if caring forchild under 16 or disabledDivorced spouses may qualifyDivorced spouses may qualify
SpouseSpouse
RSDI Retirement, Survivors, Disability Insurance Medicare
SSI
Supplemental Security Income Medicaid
C
oncu
rren
t
Social Security’sBenefit Programs
o Based on Work o Pays benefits to the worker and family members if eligibleo Financed by FICA taxes
o SSI needs basedo Low income and resourceso SSI pays individual, no family benefitso Aged, disabled or blindo Financed by General Revenue Funds
Medicare CoverageMedicare Coverage
Part A Hospital InsuranceCovers most inpatient hospital expenses.
2008 Deductible $1024• Part B Supplementary Medical Insurance
Covers 80% doctor bills & other outpatient medical
expenses after 1st $135 in approved charges.2008 Monthly Premium $96.40
• Part D Medicare Prescription Drug PlanCovers a major portion of prescription drug costs.Monthly Premiums Vary by Plan
Part A Hospital InsuranceCovers most inpatient hospital expenses.
2008 Deductible $1024• Part B Supplementary Medical Insurance
Covers 80% doctor bills & other outpatient medical
expenses after 1st $135 in approved charges.2008 Monthly Premium $96.40
• Part D Medicare Prescription Drug PlanCovers a major portion of prescription drug costs.Monthly Premiums Vary by Plan
• 65 & older• Receiving Social Security disability
benefits at least 24 months
• 65 & older• Receiving Social Security disability
benefits at least 24 months
Social Security Improves Service to Disabled Military Service Members
• Expedited processing of disability claims for men and women serving in the U.S. military who become disabled while on active duty
• The expedited process is for military service members disabled on or after October 1, 2001, and is applicable regardless of where the disability occurs
• Social Security also expedites survivors claims
• Development of an easy-to-use website - www.socialsecurity.gov/woundedwarriors - that provides information about Social Security and military service. The website also includes a link to apply for disability benefits online
• An agreement with the Department of Veterans Affairs (VA) for the VA to electronically provide Social Security with the medical records of veterans applying for disability benefits
• This agreement enables us to get medical records quicker and more efficiently and helps us expedite the disability determination
Who Can Get SSI?
Supplemental Security IncomeSupplemental Security Income
Age 65 or older
Blind– any age
Disabled– any age
Limited Income
Limited resources
U.S. citizen in most cases
Age 65 or older
Blind– any age
Disabled– any age
Limited Income
Limited resources
U.S. citizen in most cases
Financed by General RevenueFinanced by General Revenue
Medicare Prescription Drug Benefit:
Application for Extra Help
What is the extra help?•Help to pay for Medicare Prescription Drug Benefit
•Premiums•Deductibles•Co-payments
Extra Help Categories
1.Full:• Full premium assistance
2.Partial:• Sliding scale premium • Lower deductible & co-
payments
Who is eligible for the help?
• Medicare beneficiaries with limited income and resources
• Income» ind = $15,600»couple = $21,000
• Assets » ind. $11,990»couple 23,970
Deemed Population• People who are automatically
eligible for the extra help
1. Medicare and Medicaid
2. Medicare Savings Programs (QMB, SLMB, QI)
3. Medicare and SSI
• Do not have to complete an application
• States work with CMS to process extra help for deemed population
Not Deemed Population
All Other Medicare beneficiaries
who have limited resources and
low income
Must apply for extra help
How to Apply for Extra Help
• Internet application
• Scannable application
• Phone with SSA
• At SSA office
• Outreach event
With SSA
or other
organization
Other Extra Help Information
Can appoint personal
representative to sign up for the
extra help
SSA will notify beneficiary
whether eligible for subsidy
Can appeal the decision
Decision effective for one year
For More Information
Social Security Administration:– www.socialsecurity.gov
– 1-800-772-1213
Center for Medicare and Medicaid Services:
– www.medicare.gov– 1-800-633-4227