Collecting On Dads Work Record
rog...@webtv.net
I have been disabled since childhood (before 22) and collect approx.
$700. a month from SSI and SSDI. My mom passed away a couple of
months ago and my dad retired roughly 30 years ago and collects $1070. a
month as he retired early at 62. I am wondering how much I would
collect based on his work record in survivors benifits ? I know an
adult disabled child can collect 75% based on a parents work record but
since my dad retire early and his checks were also reduced by 75% what
might I be able to collect on his record. Some have told me I would get
75% of what he now gets and others have said I would get 75% of his PIA
which is what he would have gotten at full retirement age ?? Anyone
out there know the informed truth of the matter ?
Thanks For Considering My Post
God Bless
Jack
http://ftp.ssa.gov/OP_Home/cfr20/404/404-0353.htm
�404.353 Child's benefit amounts.
(a) General. Your child's monthly benefit is equal to one-half of the
insured person's primary insurance amount if he or she is alive and
three-fourths of the primary insurance amount if he or she has died.
The amount of your monthly benefit may change as explained in
�404.304. (snip)
__________
http://www.ssa.gov/OP_Home/handbook/handbook.04/handbook-0412.html
412. Amount of Surviving Child's Insurance Benefit
412.1 How is the surviving child's benefit rate computed?
The surviving child's insurance benefit rate is three-fourths (.75) of
the deceased parent's primary insurance amount.
412.2 When is the benefit rate less?
The child's insurance benefit may be less than above if the "family
maximum" applies and all the benefits on that earnings record have to
be reduced.
(See ��730-732 for a discussion of the family maximum. See ��733-737
for the effect of simultaneous entitlement to more than one Social
Security benefit.)
_______
don
collecting SS money based on what my dad was making when I was a child.....
in addition to what I collect from SSDI now, since I was disabled at age 12
Is this retroactive?
Jack
Trying to read between the lines here ....
When your dad retired 30 years ago, his SSA-1 retirement application
asked him if he had any minor children, student children, or children
who became disabled before 22. If he had answered "yes," and had
secured a child's application SSA-4, and submitted medical evidence to
show that you were disabled prior to 22 and continuing, then you would
have been entitled as an adult disabled child since then. You
mentioned SSDI which suggests that you worked presumably after age 22
which implies that you have not been disabled since before 22 and
continuing. If you file for adult childhood disability benefits now
and can establish that you were disabled before 22, the retroactivity
would be 12 months prior to month of application. You know of course
that if your SSDI is higher than .75 of his PIA, you cannot qualify
for child's benefits. If the .75 of his PIA is higher than your SSDI,
then you get your SSDI and the difference between your SSDI and .75 of
his PIA. Again, without knowing all the facts in your case, if you
had built up a substantial work record after 22, it's not likely that
you will be found disabled before 22.
rog...@webtv.net
Oh yes and I forgot I did'nt expect to be eligible for any retroactive
SS checks based on my circumstances ??
Thanks Again .....
rog...@webtv.net
I did not work after 22 and only a little as a teenager too. The reason
I was collecting on my own work record up until now at age 55 is that
when I was first determined disabled just before my 22nd birthday my day
had not yet retired so I collected under my own work record and then
when my dad retired my mom who was a housewife her whole life collected
on my dads work record. It is only now that I am considering this
because my mom passed away a few months ago and my dad is not doing very
well himself at 90. My dad collects about $1070. a month and he
retired early at 62 my mom got half of his around $535. and I get $585.
SSDI and $208. SSI. Since my dad retire early I believe he gets 75%
of his pia so I guess after he passes away (which by the way I don't
want to happen) still if I were to get 75% of his pia I guess I would
get about the same as he gets ?? But even if I get around $200. more
a month in benefits I might not be better off after needing to pay for
Medicare premiums and losing Medicaid which I am getting now ??
Again this is all based on assumptions .....
Thanks Again For Reading My Post .....
Jack
Well if your SSDI onset is prior to 22 and if your dad's benefit is
reduced for age at .75 or $1,070, his PIA is $1,426, As a dependent
of a living retiree you would get .50 or $713 minus your own $585.
(Your mother who received $535 must have elected early spouse's
benefits.) As a survivor, your .75 would be $1,070 minus your own
$585. However, you express concern about losing the Medicaid coverage
that comes with SSI.
It's surprising that SSA has not come fwd. and told you to file an
application for childhood disability benefits. SSA strives to get
people off of SSI in favor of any type of title II benefits to which
they are potentially entitled. Their system should have triggered an
alert that you are potentially entitled to a title II benefit but for
the formal filing of an application.
rog...@webtv.net
Oh yeah as I read your answer again Jack how would I get $713. while my
dad is alive if my mom only got some $530. ?? I mean was'nt she
entitled to 50% and isn't this the same for myself as a disabled adult
child ??
rog...@webtv.net
No SS never contacted me and as long as my dad is still here with me it
seems by your numbers I am better off to leave things as they are ??
Thanks Jack ....
Jack
Spouse's benefits can be reduced for her age, i.e., if she draws
before full her full retirement age.
A child's benefits are not reduced for age.
rog...@webtv.net
Thanks Jack ..... considering what medicaid pays for it might not be
wise to switch to only SSDI ? ? you think ? ?
earthpots
> Thanks Jack ..... considering what medicaid pays for it might not be
> wise to switch to only SSDI ? ? you think ? ?
If you get SSDI only, and lose your SSI, you won't necessarily lose
Medicaid, but you will lose the Medical Assistance program you have with
SSI. Your income would still be low enough for another Medical Assistance
program funded by Medicaid, called a Medicare Savings Plan. The Medicare
Savings Plan pays your deductables, copayments and premiums.
I get an MSP called Qualified Medicare Beneficiary (QMB, there is also one
that has less coverage called SLMB that pays for Part B only) that covers
all of my Medicare expenses such as deductables, copayments and premiums. I
also get the Special Help with my medications, and use AARP for my part D.
Check the information in this brochure:
http://www.medicare.gov/Publications/Pubs/pdf/10126.pdf
At $713, you definitely qualify for QMB, so you would not be paying anything
except your co-payments for medication, just like you now do for Medicaid.
At $1,070, you qualify for SLMB, which would pay only your Part B premiums,
but you would still get the Extra Help for Part D. You would be able to have
more asets with SSDI & an MSP. SSI limits you to $2000, with QMB, it's
$4000, and SLMB it's $6000.
If you were to be hospitalized, the deductables can be a real killer, unless
you have a Medigap Insurance Coverage; plus you would have that yearly
deductable to meet before coverage for Part B, and then Medicare pays 80%
and you 20% for most covered services, a few Medicare will pay 100% for. You
have a lot to weigh as to which is ultimately the best way to go finacially.
--
Carol
Contessa of Consternation
Known to leave foes discombobulated
Autistic Spectrum Code v.1.0
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George
This is a little confusing. If he is still getting SSI along with a
SSDI disabled child benefit, he will still get medicaid. If he state
offers medicaid recipiernts some type of PPO plan, thAT PLan should
still be available to him.
Further many states will pay the medicare part B premium for a
medicaid eligible person. Medicare is part state funded so it is
worth it for them to keep recipients on medicaid.
I'd sugget the OP talk to his local medicaid office to clarify things
on medicare and then ask SS about the dependant benefit. I don't
believe either office can force him to tale the dependant benefit if
it will not be to his advantage
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>
> "I have run rings around you logically". Monty Python
>
> Email at clay_pots...@nospam.com, removing the 'nospam' and replacing
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