Supplemental Security Income 2022 update – Social Security checks arrive TOMORROW as disability benefits schedule shown

How to apply for survivors benefits, part 4

To apply for parent’s benefits, the Social Security Administration states that you need to prove your eligibility by providing the following documents:

• Death certificate of deceased child
• Your birth certificate
• Evidence of your US citizenship or lawful alien status
• Proof of US military discharge papers (if you had military service before 1968)
• Your W-2 forms and/or self-employment tax returns for the previous year

How to apply for survivors benefits, part 3

To apply for mother’s or father’s benefits, the Social Security Administration states that you need to prove your eligibility by providing the following documents:

• Evidence of worker’s death
• Your birth cercificate or other documnts that verify your birth
• Evidence of your US citizenship or lawful alien status
• Proof of US military discharge papers
• Your W-2 forms and/or self-employment tax returns for the previous year
• Marriage certificate
• Final divorce decree (if you are applying as a surviving divorced father or mother)
• Birth certificate of the child

How to apply for survivors benefits, part 2

According to the Social Security Administration, to apply for widows/widowers or surviving divorced spouse’s benefits, you need to prove your eligibility by providing the following documents:

• Evidence of the worker’s death
• Your birth cercificate or other documnts that verify your birth
• Evidence of your US citizenship or lawful alien status
• Proof of US military discharge papers (if you had military service before 1968)
• Your W-2 forms and/or self-employment tax returns for the previous year
• Final divorce decree (if you are applying as a surviving divorced partner)
• Marriage certificate

How to apply for survivors benefits, part 1

According to the Social Security Administration, to apply for child’s benefits, you need to prove that the child is eligible for benefits by providing these documents:

• Proof of the worker’s marriage to the child’s natural or adoptive parent if the child is the worker’s stepchild
• The child’s birth certificate or other proof of birth or adoption
• Proof of the child’s U.S. citizenship or lawful alien status if the child was not born in the United States
• W-2 forms and/or self-employment tax returns if the child had earnings the previous year
• If the worker is deceased, proof of the worker’s death and U.S. military discharge papers

What are the types of survivors benefits?

According to the Social Security Administration, there are five types of survivors benefits:

• Child’s Benefits
• Widows/Widowers or Surviving Divorced Spouse’s Benefits
• Mother’s or Father’s Benefits (Only if you can show proof that you have a child below the age of 16 or disabled)
• Parent’s Benefits (Only if you can show proof that you were dependent on your child before he or she died)
• Lump-Sum Death Payment

What are survivors benefits?

According to the Social Security Administration, the Social Security survivors benefits are paid to widows, widowers, and dependents of eligible workers.

As a result, your family members may receive survivors benefits when you die, only if you were working and paying into Social Security.

However, you are eligible to receive survivors benefits when a family member dies, based on their earnings.

It should however be noted that the deceased family member should have worked long enough to qualify for benefits.

Types of Social Security benefits

Social Security benefits are yearly payments made to elderly Americans as well as individuals with disabilities.

However, there are three different types of Social Security benefits:

• Retirement benefits
• Surviors benefits
• Disability benefits

Social Security changes: raise for retirees

In October, the Social Security Administration (SSA) confirmed the cost-of-living adjustment (COLA) will increase by 5.9 percent in January.

It means the average 2022 check for a retired worker will increase by $92 – from $1,565 to $1,657 a month.

Meanwhile, a typical couple’s benefits will rise by $154 – from $2,599 to $2,753 per month.

Social Security claimants are usually notified by mail starting in early December about their new benefit amount.

Social Security changes: earnings limit increase, continued

However, starting from 2022, this threshold will increase to $19,560.

If you reach full retirement age in 2022, you’ll be able to earn $51,960 next year – up by $1,440 from the 2021 annual limit of $50,520.

In that event, $1 is withheld for every $3 earned over that threshold.

If you were born in 1960 or later, your full retirement age is 67. For others, it’s 66 and a specific number of months.

Social Security changes: earnings limit increase

Social Security claimants can expect a number of changes to their benefits next month.

If you work while collecting Social Security benefits, then your benefits may be reduced, depending on how much you earn.

If your income is more than $18,960 during 2021, the SSA will withhold $1 for every $2 you earn over the limit if you’re below the full retirement age.

Social Security changes: credit-earning threshold hike

If you were born in 1929 or later, you must earn at least 40 credits over your working life to qualify for Social Security benefits.

This is set at a maximum of four per year.

The amount it takes to earn a single credit goes up slightly each year – and it’ll increase from $1,470 in 2021 to $1,510 in 2022 – a hike of $40.

Meanwhile, the number of credits needed for disability depends on your age when you become disabled.

COLA’s impact on seniors, continued

According to the Senior Citizens League, healthcare costs and housing costs have gotten 145% percent and 118% more expensive, while COLA’s have increased Social Security checks by just 55% since 2000.

Social Security claimants have lost 32% of their purchasing power, according to a study by the non-partisan group.

But things could get worse next year, according to Seniors Citizens League analyst Mary Johnson.

She said: “It appears that inflation is not done with us yet, and the buying power of Social Security benefits may continue to erode into 2022.”

COLA’s impact on seniors

The latest data on inflation from the Bureau of Labor shows that consumer prices rose 5.4% in the year to September – a troubling trend for seniors relying on Social Security checks.

Typically, inflation triggers when the supply doesn’t meet the demand – resulting in rising prices across the economy.

Everything in necessities from food to gas has gotten much more expensive.

Furthermore, the Congressional Research Service projects Medicare Part B premiums will spike from $148.50 to $157.70 per month.

Who is eligible for SNAP?

SNAP, commonly referred to as food stamps, helps low-income people buy nutritious food.

To get SNAP benefits, your household must make under a certain income level. Your household includes everyone who lives with you, buys, and prepares food together.

Resources, such as cash or money in a bank account, also affect eligibility.

Currently, households may have $2,250 in resources or $3,500 if at least one person is age 60 or older or disabled.

If you are between the ages of 18 and 49 and able to work but currently unemployed without dependents, you may only be eligible for SNAP benefits for three months within a three-year period.

COLA increase and SNAP benefits

Millions of Social Security beneficiaries are getting larger payments in 2022 via the 5.9percent Social Security Administration (SSA) COLA boost.

The increase, though, can have an effect on people who are part of the federal Supplemental Nutrition Assistance Program (SNAP).

The program helps low-income people, and households need to be under certain income levels in order to receive assistance.

Americans on Social Security may be at risk of losing SNAP benefits if their new income level after the COLA boost exceeds the limits.

How Social Security is funded, continued

The Social Security Administration (SSA) uses your taxes to pay people who are getting benefits right now.

Any unused money goes to the Social Security trust fund, which pays monthly benefits to you and your family when you start receiving retirement benefits.

How Social Security is funded

Social Security helps retired workers but it also pays benefits to widows, widowers, and children – benefiting more than 64 million people in total.

When you work, you pay into Social Security. The money you pay in taxes isn’t held in a personal account for you to use when you get benefits.

Inflation triggers affect social security, continued

According to the Senior Citizens League, healthcare costs and housing costs have gotten 145 percent and 118 percent more expensive, while COLA’s have increased Social Security checks by just 55 percent since 2000.

Social Security claimants have lost 32 percent of their purchasing power, according to a study by the non-partisan group.

Inflation triggers impact social security

Typically, inflation triggers when the supply doesn’t meet the demand – resulting in rising prices across the economy.

Everything in necessities from food to gas has gotten much more expensive.

Furthermore, the Congressional Research Service projects Medicare Part B premiums will spike from $148.50 to $157.70 per month.

Who is eligible for SSI? 

Anyone may apply for SSI. 

The SSI program provides monthly payments to people who are at least age 65 or blind or disabled.

An applicant must have limited income, such as wages or pensions.

The person must also have limited resources in terms of things you own.

What is the maximum monthly amount?

In 2022, the maximum federal SSI payout for an eligible individual is $841 per month.

The amount is $1,261 per month for an eligible individual with an eligible spouse.

The monthly cost for an essential individual is $421.

Applying for SSI benefits

You can apply for Supplemental Security (SSI)Income after determining if you are qualified for the program.

The Social Security Administration website explains how to apply for benefits.

• Children under the age of 18
• People between the ages of 18 and 64
• People above the age of 65

Qualifying if you already get benefits

Even if you currently get Social Security disability insurance or retirement benefits, you may be eligible for SSI monthly payments.

Who receives SSI payments?

The SSI program provides monthly payments to people who:

• Are at least age 65 or blind or disabled
• Have limited income (wages, pensions, etc.)
• Have limited resources (the things you own)
• Are US citizens, nationals of the US, or some noncitizens
• Reside in one of the 50 states, the District of Columbia, or the Northern Mariana Islands 

According to the SSA, children of military parents deployed to permanent service outside the US are eligible for residency exemptions, and certain students temporarily overseas may be eligible for SSI payments.

What is SSI?

Supplemental Security Income (SSI) is a government program that assists persons who are unable to earn enough money on their own. 

Adults with disabilities, children with disabilities, and those aged 65 and over are eligible.

Individuals with sufficient job experience may be eligible for SSI payments in addition to disability or retirement benefits. 

Likewise, individuals receive different amounts depending on their other sources of income and where they live.