Social Security

Social security, for the most part, is a social insurance program to provide for help with conditions such as: old age, disability, unemployment, poverty, etc. We refer a lot to the Social Security Administration below. Be aware that there are rules and things must often be done a certain way at a certain time. It rarely hurts to get more than one opinion from different experts from different perspectives. Better to be safe and early that sorry and late.

Keep in mind that as with most large government organizations you may not get the answer you want. There is an appeals process for those whose claims are initially denied and many are successful. You need to act fast though as there is a quick time limit to appeal. If you are denied benefits or they are reduced, consider strongly getting help from a lawyer or other counselor specializing in Social Security matters.

If you are married to a retired or disabled worker who is qualified for Social Security benefits, your disabled or minor child or you yourself might be entitled to benefits.  This may be true even if you don’t depend on your spouse for support. There are also survivor benefits if you spouse or parent is deceased (minors and disabled children).

If you worked for a non-profit, the rules may be different. How you qualify is subject to rules that changed 1/1/1984. You may qualify for benefits with less, or even no contributions. The Social Security Administration (SSA) should be able to help you determine your benefits.

The SSA also administers the Supplemental Security Income (SSI)  benefits program. This program is based on your age, disability, income and assets, not on how much you have paid into the system. Partial requirements are are being over 65, or disabled or blind. Check with Social Security Administration (SSA) for more information. If you are eligible for SSI, then most states will also give you health care coverage through the Medicaid program.

Here is a Social Security Screening Tool provided by To help you find your Social Security Benefits:

Benefit Eligibility Screening Tool

More information from the Official Website of the U.S. Social Security Administration: