Reading Time: 13 minutes 22 Hidden Social Security Benefits You Should Claim Right Now
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When you think of Social Security, retirement benefits probably come to mind. These hidden benefits include disability support, assistance for grieving families, and programs for low-income individuals. If ignored, people might miss out on resources that could improve their quality of life.
In fact, many people are unaware of the support Social Security offers to disabled individuals, survivors, and low-income families. About 65 million Americans received some form of Social Security benefits in 2023, and many could benefit even more if they knew what’s available.
In this article, we’ll guide you through these valuable but often hidden Social Security services. You’ll get to know 22 services that could make a difference in your financial and personal well-being.
What service are you most surprised to learn about? Share your thoughts in the comments below!
Table of Contents
Disability Benefits Beyond Retirement
Social Security is not just for retirees. Many people may not realize that Social Security also provides benefits to individuals with disabilities. These benefits are available to those who are unable to work due to a physical or mental condition that has lasted or is expected to last at least one year.
For those who qualify, disability benefits can be a lifeline, providing financial support and access to medical care. Social Security Disability Insurance (SSDI) can be especially valuable for those who are unable to sustain regular employment but have worked long enough to earn coverage.
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Survivor Benefits for Family Members
When a family member who has paid into Social Security passes away, survivors may be eligible to receive benefits. These payments can help spouses, children, and even dependent parents.
The amount depends on various factors, including the deceased worker’s earnings and how many family members are applying. The survivor benefits offer significant financial support to those left behind, helping families to meet their needs without losing critical income during a difficult time.
Many people are unaware of these benefits until they are in a situation where they could be helpful, making it important to understand them in advance.
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Supplemental Security Income (SSI) for Low-Income Individuals
Supplemental Security Income (SSI) is another important program that Social Security administers. This is specifically designed to help individuals who have limited income and resources, like the elderly, blind, or disabled.
SSI can provide monthly payments to meet basic needs like food, clothing, and shelter. Unlike Social Security benefits, eligibility for SSI is based on need rather than work history.
Many people confuse SSI with Social Security retirement benefits, but SSI is a distinct program aimed at supporting those with the lowest incomes.
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Social Security Statements and Earnings Record
Staying informed about your Social Security account is essential for planning your financial future. The Social Security Administration provides an online tool that allows you to view your earnings record and see estimates of your future benefits.
This can help you make informed decisions about when to retire or how much you might expect in disability or survivor benefits. Reviewing your earnings record regularly also helps you ensure there are no mistakes that could affect your benefits later.
By understanding what is included in your Social Security Statement, you can better prepare for retirement or any unexpected life changes.
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Assistance for Grandparents Raising Grandchildren
Grandparents who are primary caregivers for their grandchildren may qualify for Social Security benefits. To be eligible, the child must depend on the grandparent, and the grandparent must have enough work credits. This can offer financial relief, especially for grandparents on a fixed income.
It’s essential to note that eligibility isn’t automatic, specific conditions apply. By understanding the criteria, grandparents raising grandchildren can better navigate the system to access much-needed support.
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Social Security’s Role in Helping the Homeless
Social Security partners with organizations to assist homeless individuals in accessing benefits. Homeless individuals may qualify for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI), depending on their situation.
Community resources can help them understand their eligibility and assist with applications. While Social Security doesn’t directly provide housing or healthcare, it can connect individuals to these services.
Collaborating with local agencies enables Social Security to support homeless individuals, ensuring they access available benefits.
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Fraud Prevention and Identity Protection Services
Identity theft is a growing concern, especially regarding Social Security numbers. The Social Security Administration takes steps to protect individuals from identity theft and fraud. They offer services to report fraud, replace lost Social Security cards, and monitor misuse of Social Security numbers.
These measures help ensure that your identity and benefits are secure. Knowing how to protect your Social Security number and what to do in case of theft can help prevent long-term financial problems.
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Support for Veterans
Veterans may qualify for Social Security benefits in addition to Department of Veterans Affairs (VA) programs. Veterans who worked and paid into Social Security are eligible for the same benefits as other workers.
Certain programs may expedite benefits for those who served, particularly those with service-related injuries. It’s important for veterans to understand the range of benefits available.
The combination of Social Security and VA benefits can provide valuable financial and healthcare support.
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International Benefits for Americans Living Abroad
Many people don’t know that Social Security benefits can be paid to Americans who live outside the United States. As long as you are eligible, you can receive your retirement, disability, or survivor benefits even if you are living in another country.
There are some restrictions based on where you live, but Social Security provides detailed information on which countries are eligible and how to apply for benefits while abroad. This can be a crucial service for retirees or expatriates who choose to live overseas.
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Ticket to Work Program
The Ticket to Work program is designed for individuals who receive Social Security disability benefits but want to return to work. This program offers free employment services, vocational training, and job referrals to help disabled individuals find and maintain employment without immediately losing their benefits.
The goal is to help people transition back into the workforce while ensuring they remain supported during the process. This is an empowering option for many, offering both financial independence and continued security.
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Social Security’s Education and Outreach Efforts
The Social Security Administration is actively engaged in educating the public about the various benefits and services it offers. Through workshops, online resources, and partnerships with local organizations, Social Security aims to increase awareness of its programs.
These efforts help ensure that people know their rights and can access the benefits to which they are entitled. This education can be particularly helpful for underserved communities or those who may not have easy access to government resources.
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Help with Medicare Enrollment
Many people don’t realize that Social Security plays a critical role in Medicare enrollment. Social Security is the agency that handles enrollment for Medicare Part A and Part B, which cover hospital and medical insurance.
If you are approaching the age of 65, Social Security can guide you through the process of signing up for Medicare, ensuring that you get the healthcare coverage you need in retirement.
Enrolling at the right time can help avoid penalties or gaps in coverage, making this an essential service for future retirees.
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Retirement Planning Tools and Calculators
Planning for retirement can be daunting, but Social Security provides several online tools to help. These include calculators for estimating retirement benefits, planning the best time to retire, and determining how working in retirement can affect benefits.
These tools are free and accessible to anyone, making it easier to make informed decisions about retirement. Having a clear picture of what to expect can help you feel more confident and prepared for your retirement years.
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Lump-Sum Death Benefit
When a family member dies, Social Security provides a lump-sum death benefit. This one-time payment of $255 helps with immediate expenses related to the death. Eligible family members, such as a spouse or child, can apply for this benefit to offset funeral costs.
Although small, the benefit can offer some financial relief in a difficult time. Many are unaware of this payment until they need it, so it’s important to know it exists. The lump-sum death benefit isn’t automatically distributed.
Family members must apply for it within two years of the individual’s death. Understanding the process for claiming this benefit can prevent missed opportunities for much-needed financial assistance during a stressful period.
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Benefits for Self-Employed Workers
Self-employed individuals might think they are ineligible for Social Security benefits, but that’s not the case. By paying self-employment taxes, these workers contribute to Social Security, just like employees.
Self-employed people can qualify for retirement, disability, and survivor benefits based on their contributions. Many self-employed workers don’t realize how important these contributions are. They ensure access to Social Security benefits later in life.
Keeping accurate records and paying taxes on time is essential to securing future financial support through the Social Security system.
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Compassionate Allowances Program
The Compassionate Allowances program fast-tracks disability benefits for individuals with severe medical conditions. Only specific illnesses qualify, such as certain aggressive cancers or rare disorders, based on the Social Security Administration’s list. This program is designed to reduce wait times for those in critical need.
Through this initiative, Social Security aims to provide financial assistance faster to those with the most debilitating conditions. Knowing which conditions qualify can help applicants in dire circumstances access support more quickly.
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Social Security for Caregivers
Caregivers do not automatically earn Social Security credits for caregiving duties alone. For eligibility, caregivers must meet work-history requirements or other criteria connected to the person they care for.
This ensures that caregivers with qualifying work experience can still receive Social Security benefits. Many caregivers put their own financial needs aside to care for loved ones.
Understanding Social Security’s rules helps caregivers plan their future benefits without compromising their financial security.
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Windfall Elimination Provision (WEP)
The Windfall Elimination Provision (WEP) affects people who receive both a pension and Social Security benefits. WEP can reduce the Social Security benefits of workers who didn’t pay into Social Security during certain employment.
This often applies to people who worked in jobs with pensions, such as government employees. Understanding WEP is critical for those planning their retirement. The reduction in benefits can surprise individuals who are unaware of the rule.
By educating yourself early, you can plan around the impact of WEP and avoid unexpected financial shortfalls during retirement.
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Maximum Family Benefit Limit
The Maximum Family Benefit limits the total amount a family can receive based on one worker’s record. This cap prevents multiple family members from exceeding a certain percentage of the worker’s benefits.
The limit applies only to families with multiple dependents receiving benefits based on one worker’s earnings record. This provision doesn’t impact all families, but it’s crucial for larger families to understand.
Planning around this limit can help families manage their Social Security benefits more effectively.
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Social Security for Non-Citizens
Many non-citizens who have paid into Social Security can receive benefits, even if they move abroad. Certain international agreements allow legal immigrants to collect benefits after leaving the United States. Eligibility may vary depending on the destination country and other residency requirements.
Understanding these rules can help non-citizens secure benefits after years of contributions. These agreements enable non-citizens to access Social Security support globally, ensuring their work counts toward future benefits.
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Social Security’s Direct Express® Card
For individuals without bank accounts, Social Security offers the Direct Express® card. This prepaid debit card allows beneficiaries to receive payments directly without needing a traditional bank.
The card can be used for purchases, bill payments, or ATM withdrawals, providing flexibility and security. The Direct Express® card is especially beneficial for those who find managing bank accounts challenging.
It eliminates the need for paper checks or direct deposits into a bank, ensuring fast and reliable access to Social Security benefits. This option brings financial independence to many who otherwise might struggle to receive their payments.
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Social Security’s Online Tools for Disability Appeals
Social Security offers online tools to simplify the disability appeals process. Individuals who wish to appeal can use the Social Security website to submit documentation and check the status of their claims.
While not all appeals can be processed online, these tools reduce the need for office visits. Using these online resources makes the appeals process faster and more accessible. These tools can help individuals stay informed and better manage their claims.
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Maximizing Social Security’s Full Potential
Social Security is much more than just a retirement program. Its range of services, covering disability benefits and even support for families, can make a huge difference in many lives. Be it raising a grandchild, managing a disability, or planning for retirement, understanding these options is key.
By being aware of these lesser-known benefits, you can better prepare for life’s unexpected challenges and make more informed decisions about your financial future.
Don’t let valuable support go untapped, take full advantage of what Social Security has to offer!
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