Social Security Disability Attorney in Port St Lucie

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Port St. Lucie, FL 34986

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Social Security Port St Lucie, FL

Social Security Port St Lucie, FL

Anyone who has ever applied for Social Security Port St Lucie, FL, will tell you how frustrating this process can be, especially without the help of a qualified attorney. But you don't have to go down that path alone; all you need is a free case evaluation with a Social Security expert from Morgan and Morgan. We will discuss how our attorneys may be able to help a little bit later. For now, let's take a look at the Social Security process in this part of Florida and everything you need to know about your eligibility.

Understanding Social Security Benefits

Social Security is a government-run program that kicks in when you need financial support and security at various stages of life, such as retirement, disability, and work-related deaths.
 
This government program comes in many different forms, but today, we'll review three of the most common programs: retirement, disability, and survivor benefits.
 
If you or your beloved lives in Port St. Lucie, you could qualify for these benefits if you meet certain requirements. Let's briefly go over each benefit, covering what it entails and what you need to do to become eligible.

Retirement Benefits

Social Security retirement benefits are designed for eligible individuals who have reached the designated age of retirement. Here are some key points to note about these types of benefits:
 
●      As the name implies, they serve as a source of income during the retirement years.
●      These benefits are usually based on the individual's work history and earnings.
●      The exact amount of retirement benefits you may be eligible for will depend on your work credits and the age at which you file a claim for benefits.
 
The eligibility requirements for retirement benefits are as follows:
 
First, you typically must have accumulated 40 work credits throughout your employment history. You will earn these credits based on the income you earned and the number of years you worked. The amount of work credits you can earn in any given year varies from year to year. That said, you can only earn a maximum of four work credits a year. For instance, in 2023, for every $1640 earned, you will get one Social Security and Medicare credit.
 
The second requirement is reaching the designated age for retirement, which also varies depending on your birth year. It generally ranges from 66 (if you were born from 1943 to 1954) to 67 years (if you were born in 1960 or later). You can also claim reduced retirement benefits as early as age 62, but this will result in a permanently reduced monthly benefit amount.
 
For one reason or another, you may decide to continue working while receiving Social Security retirement benefits before reaching full retirement age. In such a case, you should be aware of certain earning limits.
 
Again, in 2023, for instance, the monthly earnings limit is $4,710. The Social Security Administration may reduce your benefits if you earn more than the set limit for that particular year before reaching your full retirement age.
 
It's important to note that even if you haven't earned enough work credits or reached the full retirement age, you may still be eligible for benefits based on the work history of your current or former spouse. Spousal benefits allow you to receive a portion of your spouse's earned benefits.

Disability Benefits

As the name suggests, individuals who qualify for Social Security disability benefits usually have a qualifying disability that prevents them from engaging in substantial gainful activity, which is just the government's way of saying you can work and earn above a specified threshold set by the Social Security Administration.
 
You could be eligible for Social Security Disability Insurance if you worked in jobs that fall under Social Security coverage and, secondly, have a medical condition that meets Social Security's strict definition of disability.
 
This kind of government benefit also kicks in in situations where you cannot seek employment due to a disability expected to last for a year or longer. But you won't receive benefits right away; there is a five-month waiting period, and after that, the first benefit will be paid on the sixth full month from the date the SSA determined your disability.

Survivor Benefits

You may be eligible for Social Security survivor benefits if you have lost a family member (such as a spouse, parent, or child) who was covered under Social Security and also meet other additional requirements, such as:
 
●      Being a surviving spouse who is 60 years of age or older, or 50 years of age or older if you have a disability.
●      Being a surviving divorced spouse who meets specific requirements.
●      Being a surviving spouse of any age who is caring for the deceased person's child who is under the age of 16 or has a disability and receives child's benefits.
 
Certain children of the deceased may also qualify for survivor benefits if unmarried and younger than 18 years of age (or up to 19 if they are full-time students in an elementary or secondary school) or at least 18 years old with a disability that began before the age of 22.

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