Simplified Explanation of SSA Programs
If you are a California resident, one way or another, you may need to apply for any of Social Security Administration’s (SSA) benefit program. In case that you find the need to do so, SSA offers various programs that would suit your situation.
The following are the three most basic umbrella benefits programs SSA offers for disabled employees, retirees, and family members of deceased employees:
Social Security Disability benefits program
American workers, who are suffering from disabling medical condition, whether physical or mental, may be eligible to obtain disability benefits from SSA. A disability benefits claimant should prove that he or she can no longer perform any substantial gainful activity in order for him or her to receive Social Security Disability Insurance (SSDI) benefits. Children of a disabled employee may also claim for benefits as long as that their parent’s condition was sustained before they reached the age of 22.
Commonly, approval for disability benefits claim is relatively difficult; hence, getting legal assistance from a California lawyer may become beneficial in strengthening the claim.
Retirement benefits program
Contributions of a retired employee to the society are generally recompensed with SSA’s retirement benefits program. Claimants for this benefit program may either apply for early retirement with decreased amount of benefits or wait until they reach full retirement age in order to obtain full amount of benefits.
Although retirement is a personal decision, workers who are planning to retire may consult with the SSA to know which month is most favorable to claim for benefits. Additionally, would-be retirees may also consult with a California lawyer.
Survivors’ benefits program
SSA offers benefits program for family members or dependents of deceased employees who paid enough social security taxes. Eligible individuals for survivors’ benefits program may include children, spouse, parents, and financial dependents of the deceased employee. Claimants may apply through SSA’s website or they may personally visit a local SSA field office.