Q: Will my Social Security amount change if I move to a different state? A: No. Based largely on individual work history, Social Security amounts do not change if you move. Be aware that amounts through the need based Supplemental Security Income (SSI) program are partly based on where you live so they can change if you move. Always report your address changes even if payments continue going to the same bank or credit union.
Q: I have worked for years and, according to my statement, have enough credits to qualify for benefits. Do I lose this coverage if I stop working? A: Work requirements are part of Social Security. For retirement on your own work record, you need 40 credits, about 10 years of work depending on your annual earnings. Survivors’ benefits have a similar work requirement with variation based on age at death.
Q: Nearly age 64, I just stopped work because of a severe accident. Is it better to apply for Social Security disability or retirement? A: You can apply for either one or both at the same time. You chose what to do.
Q: How is SSI different from Social Security? A: Supplemental Security Income (SSI) and Social Security are completely different programs. A person can receive both if meeting the separate rules of each. Here are a few more of the differences between these two national programs. Social Security includes retirement, survivors and disability benefits. Supplemental Security Income is for people over age 65, disabled adults and disabled children having limited income and resources.
Q: When do Social Security survivors benefits begin? A: Social Security survivors benefits can begin effective with the month of death, assuming there are eligible family members to pay. When a person receiving Social Security benefits dies, even at the end of a month, benefits are not payable for that month.
Q: Is there a limit to the amount of Social Security benefits payable to a couple? A: There is no marriage penalty, limit or other reduction when each member of a couple receives Social Security retirement based on their individual work records. Here, amounts payable to each member of the couple is determined separately based on their personal work records and ages when starting retirement. Amounts received by one do not affect what the other receives.
Q: I am expecting twins soon. Could they have Social Security numbers in numerical order to make them easier to remember? A: The chance of sequential Social Security numbers (SSN’s) being issued to siblings is extremely small with the random method used to issue numbers today. Having very different SSN’s helps protect their personal information.
Q: My mom is 67 years old and receives Social Security. She also works part-time and noticed that Medicare is taken out of both her paycheck and Social Security benefit. She is wondering why. A: Two different issues are involved. The Medicare Part B (Medical Insurance) monthly premium is routinely deducted from Social Security benefits. Medicare Part A (Hospital Insurance) does not have a monthly premium.
Q: My husband is starting Social Security retirement soon. I am younger, not retiring and will continue working. Will my earnings reduce his benefits? A: Your earnings will not reduce your husband’s Social Security retirement because those benefits are based on his own work record and his earnings.
Q: How long will it take Social Security to change my direct deposit account? A: This depends on computer processing dates during the month, your payment date and when you contact Social Security. Direct deposit is the term for electronically sending your benefit payment directly to your financial institution.