My Social Security Advocates

A guide to understanding Social Security savings clauses.

Understanding Exceptions to Benefit Reductions: The Savings Clause, § 404.405

In the realm of Social Security benefits, there are certain exceptions, known as “savings clauses,” which prevent benefits from being lowered or guarantee minimum increases for certain individuals. These clauses ensure that statutory changes don’t disadvantage the recipients. This article will discuss the various situations where a savings clause may come into effect, providing exceptions […]

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Family discussing Social Security benefits

Understanding the Impact of Reductions on Maximum Benefits for Insured Individuals and Their Dependents, § 404.404

The Social Security Administration (SSA) has established rules and regulations to ensure the fair distribution of benefits among insured individuals and their dependents. One such regulation, § 404.404, outlines how reductions for maximum benefits can impact insured individuals and other persons entitled to benefits based on the insured individual’s earnings record. In this blog post, we

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Social Security benefits for a family with a worker and three dependents.

Understanding the Reduction of Social Security Benefits When Exceeding Maximum Family Benefits, § 404.403

The Social Security Act sets a limit on the amount of monthly benefits that can be paid based on an individual’s earnings. When the total benefits for all persons entitled to one earnings record exceed the maximum amount prescribed by law, the benefits must be reduced to comply with that maximum. This article provides an

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Social Security benefit rules and calculations

Understanding the Interrelationship of Deductions, Reductions, Adjustments, and Nonpayment of Social Security Benefits, § 404.402.

Social Security benefits can be a vital part of many people’s lives, but the regulations surrounding these benefits can be quite complex. In this blog post, we will break down and explain the interrelationship of deductions, reductions, adjustments, and nonpayment of benefits in the context of Social Security. This information is based on the Social

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Diagram illustrating the relationship between disability benefits, trial work period, and substantial gainful activity

When Disability Benefits Stop Due to Work Activity, § 404.401a.

If you’re receiving disability benefits under Title II of the Social Security Act, it’s essential to understand how engaging in work activity can impact your benefits. This blog post will break down the rules and regulations that govern when disability benefits may stop due to work activity, according to § 404.401a of the Social Security regulations.

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Social Security benefits chart

Understanding Deductions, Reductions, and Nonpayments of Social Security Benefits, § 404.401

Navigating the Social Security system can be complex, and it’s essential to understand how certain conditions can affect your benefits. In this blog post, we’ll discuss the various scenarios that may result in deductions, reductions, nonpayments, or adjustments to your monthly Social Security benefits or lump-sum death payments. Reductions in Monthly Benefits Your monthly Social

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A flowchart illustrating the process of determining eligibility for the lump-sum death payment in the absence of a surviving widow(er).

Understanding Lump-Sum Death Payments: Who is Entitled When There’s No Surviving Widow(er)? § 404.392

The Social Security Administration (SSA) provides a one-time lump-sum death payment to eligible survivors when an insured individual passes away. This payment helps cover immediate expenses related to the deceased’s passing. This blog post aims to clarify who is entitled to receive the lump-sum death payment when there is no surviving widow(er) living in the

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Checklist of eligibility criteria for lump-sum death payments.

Understanding Eligibility for Lump-Sum Death Payments as a Widow or Widower, § 404.391

Losing a spouse is a challenging experience, and dealing with the financial aspects can be daunting. One potential source of financial assistance is the lump-sum death payment offered by the Social Security Administration (SSA). In this blog post, we will explain the eligibility criteria for widows and widowers to receive this payment and help you

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Social Security Death Benefit

Understanding Social Security’s Lump-Sum Death Payment, § 404.390

Dealing with the loss of a loved one is never easy, and understanding the various benefits and processes related to Social Security can be challenging during this time. One such benefit is the lump-sum death payment, a one-time payment of $255 provided under specific circumstances. In this blog post, we’ll break down the details of

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Parental Benefit Eligibility Guide

Understanding Benefit Eligibility for Parents of the Insured, § 404.374

Navigating the world of insurance and understanding eligibility for benefits can be a complex process. Today, we’re going to break down one specific aspect: the eligibility for benefits as the insured person’s parent. We will explore the different scenarios that qualify a parent for benefits according to § 404.374. Biological Parent of the Insured A biological

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