This is the most important time in your life to plan ahead and to know your rights. The following information only touches on some of the laws affecting the senior community; please keep in mind that this is general information and that laws change constantly. If you have specific issues contact an attorney for help.
What is Social Security?
This is a government program that provides benefits to eligible workers and their families after the worker retires, becomes severely disabled or dies. Social Security taxes from employees, employers and self-employed workers help fund the program. If you have paid into the program for the requisite amount of time — approximately 10 years — you will be eligible for full benefits sometime between the age of 65 and 67. The amount you will be granted will depend on your prior earnings.
It is even possible to qualify for reduced benefits at age 62. However, such benefits will likely remain at the reduced level permanently.
On the other hand, you can put off collecting benefits until you reach 70, at which point you will receive delayed retirement credit. If you would like to get more information on your earnings or benefit eligibility, call the Social
Security Administration at (800) 772-1213 or visit www.ssa.gov on the Web.
Regardless of your age, you are entitled to a free personal statement from the Social Security Administration.
Can I get Social Security benefits based on my ex-husband’s work record?
You can receive benefits on your ex-husband’s work record if he is still receiving benefits or is deceased, if you were married for at least 10 years. If your ex-husband is older than 62 and has not applied for benefits, you can still receive benefits on his record, provided you are at least 62 yourself. You must have been divorced and single for at least two years prior to requesting such benefits.
Can I receive Social Security benefits as a widow if I remarry?
If you are over 60 when you remarry, you may receive the benefits. You could also apply based on your new husband’s work record, depending on whose benefits would be higher. If you remarry before 60, you will be ineligible for widow’s benefits throughout your marriage.
What is Supplemental Security Income?
This is a government cash-assistance program for U.S. citizens and some eligible non-citizens over the age of 65, who are blind or disabled. In California this program is administered with additional funding through the State Supplemental Program. As a recipient of SSI/SSP, you are automatically qualified for health benefits under Medi-Cal. You can apply for SSI/SSP at your local Social Security Administration office.
If you have trouble managing your finances, the Social Security Administration may appoint a friend, relative or other trusted individual to be authorized to receive your Social Security check on your behalf. This is known as a representative payee. Keep in mind that a power of attorney is not sufficient for cashing these checks. The law requires that the representative payee spend the funds on your needs only and could be convicted for doing otherwise.