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Kisah - Letter from Uncle Sam’s Country - My Social Security Benefits

Oleh: Eka Ayu 09 September 2011

On March 2011, I received a statement from the Social Security Administration office. This statement is a review of my social security benefits. The statement reflects my estimations of my Social Security benefits under the current law and updates my latest reported earning. It helps plan my financial future.

The statements give me estimation benefits on retirement, disability, family survivors and Medicare.

RETIREMENT

Under the Social Security law, to get retirement benefits I need 40 credits of work. I have been working since 2003 until present. Thus I earned 36 credits; this includes assumed credits for last year and this year if I continue to work

DISABILITY

It shows that if I become disabled right now, I have earned enough credit to qualify for benefits. The Social Security Administration estimated my benefits will be 830.00/month.

FAMILY SURVIVOR

This means that if I get retirement or disability benefits, my spouse and children also may qualify for benefits. I have earned enough credits for my family to receive survivor’s benefits. This means if I die this year, certain members of my family may qualify for these benefits:

  • my child...............................................................................................           $743.00/month
  • my spouse who is caring for my child ....................................................           $743.00/month
  • my spouse who reaches full retirement age .........................................           $991.00/month
  • my total benefits cannot be more than ................................................       $1,530.00/month
  • my spouse or minor child may be eligible for special one-time death benefits of $255.00.

MEDICARE

To get Medicare benefits at age 65, I need the same number of credits that I need for retirement benefits (40 credits). At this moment I do not have enough credits to qualify. However, if I don’t have enough credits when I reach age 65, I can contact the office and see if I can qualify for benefits or not.

The Social Security Administration estimated my benefits based on my date of birth, my estimated taxable earning per year after 2010 and my social security number.

This is only an estimation that might help me plan my financial future especially I have family. The Social Security Administration cannot provide me with me with actual benefits until I apply for benefits. And the amount may differ from what the statement estimates, because:

  1. My earning may increase or decrease in the future
  2. After I start receiving benefits, they will be adjusted for cost-of-living increases
  3. My estimated benefits are based on current law. And this law may change
  4. My benefit amount may be affected by military service, railroad employment or pension earned through work on which I did not pay social security tax.

I hope my story able to help open up your mind on how the American social security works and help their citizen plan and organize their financial future.

 

© Martabat, September 2011

Pengutipan sebagian atau seluruhnya dengan menyebutkan judul, tanggal dan sumber:
Letter from Uncle Sam’s Country - My Social Security Benefits
http://www.jamsosindonesia.com/kisah/letter_from_uncle_sams_country_-_my_social_security_benefits
Martabat - www.jamsosindonesia.com, 2016