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What are Social Security Benefits?

Chances are you know you pay for Social Security. You see a tiny amount taken out of your paycheck each pay period. You know that social security gets to folks that need it. You know that you might even qualify for Social Security benefits.

However, do you know what your Social Security benefits are? They can be more far-reaching than just getting a paycheck from the United States government every month. The benefits of Social Security can even be used by those around you. Malaise Law Firm can help you find out what your social security benefits are and how to use them.


This may be the form of social security most familiar to people. When people reach retirement age, they can qualify for regular payments from the social security system. After a life of work, social security is the reward of a generous stipend that shows up in your mailbox.

Retirement age starts at 62. If you file for social security via retirement before 62, you will be subject to various “penalties”. You can still obtain monthly payments, but they will be greatly reduced compared to what you could be getting after the age of 62.

Similarly, the U.S. wants people to work past 62. While you could get full benefits at 62, you also get higher payouts the more you work. It may make sense to work extra years and utilize the final benefits to invest in more leisure activities.

Depending on your health, you may want to cash out before 70. While you may get more money if you retire after turning 70, the number of years you have may cut down on the total amount you earn. When you make the decision to retire, you are the only one that can decide if you want the extra cash.


If you have a disability and cannot work, you could qualify for Social Security Disability. This can help you maintain your standard of living despite being unable to work.

Benefits from disability can be transferred to others who are immediately affected by someone with a disability. Loved ones of people on disability can claim dependent or spousal payouts. This is designed to ease the financial burden that may be involved with care for the disabled.

Disability does come with financial burden. To qualify for disability payments, you must provide medical records as proof of your condition. They will determine if you qualify as disabled. If you do not get the result you want or need, you can request disability hearing.


Survivor payouts apply to those who have survived a death within their family. These survivor benefits extend to spouses of the deceased as well as children. The benefits can also go to the parent of the deceased worker. This will help offset any costs left in the wake of sudden tragedy.

Applying for survivor benefits does not affect any amounts in a primary Social Security account. For instance, if your spouse dies and you are 61, you can get survivor benefits to help with finances. You can choose to work while using survivor benefits, leaving your main retirement account to gain the largest amount of benefits.


Social Security payments are not limited to only those directly involved. Payments are also available for the children of the qualified. Those payments meant for dependents can go towards basic care, college funds, and whatever else is needed.

Dependent payments do not hinder the payees future social security. Dependents can get additional checks from Social Security, helping them maintain their standard of living. They will also be able to claim full benefits on their Social Security much later down the line, provided that they follow the rules for qualifying.


Not only can your children receive monthly payments from Social Security, but your significant others can as well. Spousal benefits are passed out when an individual of a married couple files with Social Security. As soon as the original filer qualifies for Social Security benefits, the spouse can file for spousal payments.

Spousal benefits can be affected if the spouse is working. While a spouse can receive spousal benefits, he or she may be compromising the claim by working. Excessive income, as determined by the standards of Social Security, can limit benefits. This may not cause effects in the short-term but can hurt spousal benefits later on.

However, there are also advantages to drawing early. If you are getting spousal benefits, you can withdraw for a while, then switch over to your own benefits. This can help you in the long run by maximizing benefits. Also, the longer you do not withdraw from your retirement benefits, the more benefits you get. If you withdraw for spousal and hold off on your account, you improve the scope of your Social Security.

If you have any other questions regarding Social Security or Disability, don’t wait. Malaise Law Firm has the answers you need to get the most out of your claim. Stop waiting and start living your new life.