Who Misses Out On Social Security Benefits And Why
Does everyone get Social Security? No. Still, American workers who will not qualify for Social Security retirement benefits are relatively rare. If you are one of them, its important to know, so you can secure other sources of income or determine whether its possible for you to become eligible. What follows are the eight most common categories of workers who lack Social Security eligibility and thus are not entitled to benefits.
The Other Parts Of Medicare
- Medicare Advantage Plan people with Medicare Parts A and Part B can choose to receive all of their health care services through plans that are offered by private companies and approved by Medicare. For more information, we recommend you read Medicare’s How do Medicare Advantage Plans work?
- Medicare Part D helps pay for medications doctors prescribe for treatment. For more information on the enrollment periods for Part D, we recommend you read Medicare’s How to get prescription drug coverage page.
If you receive Medicare and have limited resources and income, you may be eligible for Extra Help with Medicare Prescription Drug Plan Costs.
Who Is Eligible For Ssi
You can qualify for SSI if you:
- are over 65
- are legally blind
- have a disability
As with all Social Security benefits, youll also need to be a United States citizen or legal resident and have limited income and resources. However, to apply for SSI, you dont need work credits.
You can receive SSI in addition to SSDI or retirement benefits, but it can also be a standalone payment. The amount you receive in SSI will depend on your income from other sources.
Social Security Disability Insurance is a type of Social Security benefit for those with disabilities or health conditions that prevent them from working.
You May Like: Is Unitedhealthcare A Medicare Advantage Plan
When Does Social Security Disability End
Social Security Disability benefits are available to those who are unable to work due to a significant medical condition or have a health issue that is expected to result in death. For a disability to qualify, it must be significant enough that it would prevent you from working for at least one full year.
If you are disabled, Social Security will continue to monitor your condition on a regular basis through Continuing Disability Reviews. These reviews must occur every 18 months, three years, or seven years depending on your condition. If you suffer from a condition that is likely to improve, you can expect a shorter review cycle. However, chronic conditions that are unlikely to improve may involve a longer time between reviews.
If you are currently receiving Social Security Disability benefits, it is important to know what circumstances would cause them to end and what your limitations are regarding income. In addition, you should be aware of what changes to your benefit income you may see as you reach retirement age.
Returning to WorkSince disability benefits are generated due to an inability to work, one common means of benefit termination is returning to work. In 2020, Social Security Disability allows a recipient to generate up to $1,260 per month, or $2,110 for those who are blind. However, any income over this amount, and potentially an amount below it, could qualify as substantial gainful activity, disqualifying you from receiving Disability benefits.
Living Outside The Us Is Trickier
If you plan to live outside the U.S., you must decide whether or not to keep your Medicare Part A and Part B benefits. Since most Medicare beneficiaries qualify for premium-free Part A, there’s no extra cost for you to stay enrolled .
But if you disenroll in Part A, you must pay back any Part A benefits you’ve received up until that point. Depending on your specific situation, that could be quite expensive.
If you decide to stay enrolled in Part B, you will still need to pay for your monthly Part B premium , even though your care won’t be covered.
If you travel back to the U.S. occasionally, it might be worth it to keep your Part B benefits since you can schedule care in the U.S. If you are not planning to return to the U.S. often or at all you’ll have to decide whether the cost of Part B is worth it.
Read Also: Is Upmc For You Medicare Or Medicaid
Where Can I Find More Information
To find more information about Maryland programs for seniors, visit www.aging.maryland.gov. You can also call 410-767-1100, 800-243-3425 , or 410-767-1083 . The Centers for Medicare and Medicaid Services offer consumer resources at www.medicare.gov and 1-800-MEDICARE. The Social Security Administration has several helpful publications on its website, visit .
Useful Information & Links
– Biden faces a battle to secure Child Tax Credit extension
– IRS to send out final Child Tax Credit payment of 2021 on 15 December.
– What is the deadline to claim stimulus check plus-up payments in 2021?
– Senior Citizens League urges Congress to grant additional stimulus check for Social Security recipients.
– Some states in the US could distribute a fourth stimulus check to their inhabitants.
This spring during tax filing season many parents may see benefits from the American Rescue Plan passed in March 2021 that they did not expect. The bill allows for the claiming of a $1,400 stimulus credit for babies born, adopted, or who become legal dependents in 2021.
This payment could be a lifeline for many who have been unable to receive payments associated with the child tax credit this year.
The clock is ticking to extend 2021 Child Tax Credit enhancements
Without any action the changes to the Child Tax Credit for the 2021 fiscal year made in the American Rescue Plan will expire at the end of December. This included a major increase in the amount families can claim, making the credit fully refundable and setting up an advance payment scheme.
However, one of the main holdouts, Senator Joe Manchin has expressed doubts about that timeline.
Infrastructure bill funds geothermal research
White House rebrands bipartisan infrastructure bill
You May Like: What Benefits Do You Get With Medicare
How To Enroll In Medicare Disability
If you are eligible for Medicare disability, you may or may not need to take extra steps to enroll:
If you’ve been collecting SSDI benefits:
You’ll be automatically enrolled in Medicare Parts A and B at the beginning of your 25th month.
You should receive your Medicare card in the mail approximately three months prior to your coverage start date.
Your Part B premium (and Part A premium, if you owe one, will be deducted from your Social Security check.
If you’ve been diagnosed with ALS:
You’ll be automatically enrolled in Medicare the first month you start collecting SSDI benefits. The 24-month waiting period does not apply to those with ALS diagnosis.
If you’ve been collecting SSDI for another disability, and then are diagnosed with ALS within the 24-month waiting period, you can enroll in Medicare immediately.
If you have ESRD, the eligibility process is a little different:
You can choose whether or not to enroll in Medicare you are not automatically enrolled.
If you want to sign up, you can do so through your local social security office.
Medicare coverage is available to many people under the age of 65 with disabilities. Don’t let fear of a complicated eligibility process keep you from getting Medicare benefits.
Andrea Bonner is a healthcare writer with more than 10 years of experience covering senior health. She is from the Raleigh-Durham area in North Carolina.
Who Is Eligible For Medicare
Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease . Medicare has two parts, Part A and Part B . You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. You can get Part A at age 65 without having to pay premiums if:
- You are receiving retirement benefits from Social Security or the Railroad Retirement Board.
- You are eligible to receive Social Security or Railroad benefits but you have not yet filed for them.
- You or your spouse had Medicare-covered government employment.
To find out if you are eligible and your expected premium, go the Medicare.gov eligibility tool.
If you did not pay Medicare taxes while you worked, and you are age 65 or older and a citizen or permanent resident of the United States, you may be able to buy Part A. If you are under age 65, you can get Part A without having to pay premiums if:
- You have been entitled to Social Security or Railroad Retirement Board disability benefits for 24 months.
- You are a kidney dialysis or kidney transplant patient.
While most people do not have to pay a premium for Part A, everyone must pay for Part B if they want it. This monthly premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you do not get any of these payments, Medicare sends you a bill for your Part B premium every 3 months.
Also Check: Is Silver Sneakers Part Of Medicare
Medicaid In The Interim
Those with low income and low assets may qualify for the Medicaid program during the two-year waiting period for Medicare. States set their own rules regarding Medicaid eligibility, but those granted SSI at the same time as SSDI automatically qualify for Medicaid.
While Medicare covers hospice for those who are expected to pass within six months, the waiting period prevents many with a terminal illness from using Medicare for hospice needs. However, all 50 states’ Medicaid programs cover hospice for those with low income and low assets. States may vary on the length of hospice coverage they provide and the amount of inpatient care that’s covered.
For more information on Medicaid eligibility, see the Medicaid section on Nolo.com.
How Do I Apply For Supplemental Security Income
SSI is an income assistance program administered by the SSA for people who are elderly , blind, or disabled or whose income follows these guidelines: . For the most current information on SSI requirements, please call the SSA at 1-800-772-1213 or visit . You can generally expect an answer on whether you are eligible for SSI within two to six months.
Read Also: Is It Medicaid Or Medicare
How To Qualify For Medicare Disability Benefits
If you are under age 65 and get Social Security disability benefits, you may also be eligible for Medicare. Find out if you’re eligible, plus how to enroll.
Each Medicare plan and insurance product we feature has been independently selected and reviewed by our editorial team in conjunction with our partners at Medicare Expert USA. If you make a purchase using the links included, Health.com may be compensated.
Medicare benefits are available to individuals under age 65 if they meet certain disability requirements.
Medicare benefits for individuals under age 65 with a disability are the same as those for seniors over age 65.
In many cases, if you are eligible for Medicare due to a disability, you will be automatically enrolledyou don’t have to sign up.
There is typically a 24-month waiting period to enroll in Medicare due to a disability. For certain conditions, that waiting period is waived.
Medicare isn’t just for seniors. If you are under age 65, you could qualify for Medicare coverage and it’s probably easier than you think. Why? There’s not a long list of requirements you must meet to be eligible. In fact, there’s just one: You must collect Social Security Disability insurance benefits for 24 months.
Is enrolling in Medicare disability really that simple? There isn’t a catch, but there are a few things you should know. Keep reading to find out if you’re eligible, what Medicare coverage you can get, and how to enroll.
Health Resources For People With Disabilities
Federal, state, and local government agencies and programs can help with your health needs if you have a disability.
Explore the Disability and Health section of CDC.gov for articles, programs, tips for healthy living and more.
Learn more about assistance and benefits for people with disabilities from the Social Security Administration.
Contact your local city or county government to find out what medical and health services are available locally for people with disabilities.
Your state social service agency can help you locate medical and health programs.
Visit USA.govs Government Benefits page to learn more about government programs and services that can help you and your family.
You May Like: What Month Does Medicare Coverage Begin
Workers With Too Few Social Security Credits
Can you get Social Security if you never worked? No, because a minimum requirement to collect Social Security retirement benefits is performing enough work. The Social Security Administration defines enough work as earning 40 Social Security credits. More specifically, in 2021, an individual receives one credit for each $1,470 in income, and they can earn a maximum of four credits per year. So, 40 credits are roughly equal to 10 years of work.
If you earn the federal minimum wage of $7.25 an hour, then youll need 202.75 hours of work to receive one . By working just 17 hours a week for 50 weeks at this wage , you can earn the maximum credits per year. That means even those who work part-time so they can attend school or care for a childor those who work part-time because they cannot find full-time workcan amass Social Security credits without too much trouble.
Earned credits never expire, so anyone who has left the workforce with close to 40 credits might consider going back and doing the minimum additional work they need to qualify. You can check the number of credits you have so far by opening a Social Security account on the Social Security website and downloading your Social Security statement.
Do You Automatically Get Medicare With Social Security
Both federal initiatives are linked, meaning that many individuals receiving Social Security payments may automatically receive Medicare benefits once they qualify for Medicare based on age or disability.
In this article we review how people can receive Medicare health insurance coverage alongside their Social Security benefits.
Read Also: How To Get Medicare Insurance License
Top 5 Things You Need To Know About Medicare Enrollment
1. People are eligible for Medicare for different reasons.
Some are eligible when they turn 65. People under 65 are eligible if they have received Social Security Disability Insurance or certain Railroad Retirement Board disability benefits for at least 24 months. If they have amyotrophic lateral sclerosis , theres no waiting period for Medicare. Some people with End Stage Renal Disease may be eligible for Medicare. Its important to know the different ways that people qualify for Medicare so you can help current and former employees and their dependents anticipate their eligibility for Medicare so they can make timely and appropriate decisions about their enrollment.
People living in the United States and U.S. Territories who are already collecting Social Securityeither disability or retirementare automatically enrolled into Part A and Part B when theyre first eligible. These people will get a packet of information a few months before they turn 65 or receive their 25th month of Social Security Disability or Railroad Retirement Board benefits. At that time, they can choose to keep or decline Part B, but cant decline Part A unless they withdraw their original application for Social Security and pay back all Social Security cash benefits.
How Does Social Security Define Disability
The SSA defines disability as the inability to participate in gainful activity due to physical or mental impairments. Additionally, the disability has had to occur for a minimum of 12 continuous months. Disability benefits through SSA can be granted at any age. Once a disability beneficiary is at least 20 years old and has been declared disabled for 24 continuous months, they can qualify for Medicare. Only a child diagnosed with End-Stage Renal Disease will qualify for Medicare before turning 20 years old.
Workers Who Die Before Age 62
The minimum age to start claiming Social Security retirement benefits is 62. If someone dies young, then dependent children and spouses may be entitled to survivor benefits. At age 60, for example, widows and widowers can begin receiving Social Security benefits based on their deceased spouses earnings record . Terminally ill patients can apply for Social Security Disability Insurance , which means they will still receive some benefit from their contributions to the system.
What if you are terminally ill and have reached the minimum retirement age? If you are single, claiming right away may be the most sensible strategy. However, if you have a spouse, postponing may provide your spouse with greater benefits. The spousal benefit can be as much as 50% of the worker’s benefit, depending on the spouse’s age at retirement and if the spouse is eligible for retirement benefits based on their own earnings record. The Social Security Administration has an online calculator that helps determine benefits for spouses.
If you do not qualify for Social Security payments, then you will need to ensure that you have sufficient income to support your lifestyle in retirement.