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Social Security Benefits

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Lump-Sum Death Payment

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Eligibility: Spouse or children of deceased worker; Benefit Amount: One-time payment of 255255

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Nonresident Alien Tax

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Eligibility: Non-U.S. citizen living outside the U.S.; Benefit Amount: Up to 25.5% tax on benefits

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Trial Work Period (TWP)

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Eligibility: Disability beneficiaries wanting to test their ability to work; Benefit Amount: Allows earning over the substantial gainful activity (SGA) limit without losing benefits

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Spousal Benefits

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Eligibility: Must be at least 62 or caring for a qualifying child; Benefit Amount: Up to 50% of spouse's benefit

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Parent's Benefits

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Eligibility: Parent age 62 or older who was dependent on deceased worker; Benefit Amount: Up to 82.5% for one parent or 75% each for two

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Government Pension Offset (GPO)

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Eligibility: Receiving a government pension not covered by Social Security; Benefit Amount: Reduction of two-thirds of the pension from SS benefits

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Delayed Retirement Credits

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Eligibility: Delayed claim of retirement benefits past full retirement age; Benefit Amount: Increase by a certain percentage for each month delayed

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Disability Benefits

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Eligibility: Qualify through a strict medical criteria; Benefit Amount: Based on your average lifetime earnings

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Medicare

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Eligibility: Age 65 or older or have a qualifying disability; Benefit Amount: Varies by plan and services

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Supplemental Security Income (SSI)

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Eligibility: Aged, blind, or disabled with limited income and resources; Benefit Amount: Varies by state, up to 841forindividualin2023841 for individual in 2023

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Retirement Benefits

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Eligibility: Age 62 or older; Benefit Amount: Based on earnings and age at retirement

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Survivor Benefits

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Eligibility: Family members of deceased worker; Benefit Amount: Up to 100% of deceased's benefit

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Divorced Spouse's Benefits

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Eligibility: Divorced from worker who is eligible for retirement or disability benefits; Benefit Amount: Up to 50% of ex-spouse's benefit

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Excess Earnings Limit

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Eligibility: Under full retirement age and still working; Benefit Amount: 1deductedforevery1 deducted for every 2 or 3earnedabovetheannuallimit3 earned above the annual limit

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Child’s Benefits

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Eligibility: Children of disabled, retired, or deceased parent; Benefit Amount: Up to 50% of parent's benefits

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Substantial Gainful Activity (SGA)

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Eligibility: Disability beneficiaries; Benefit Amount: Limits on earnings, 1,470/monthfornonblindindividualsin20231,470/month for non-blind individuals in 2023

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Early Retirement Reduction

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Eligibility: Claiming retirement benefits before full retirement age; Benefit Amount: Permanent reduction based on the number of months early

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Cost of Living Adjustment (COLA)

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Eligibility: All Social Security beneficiaries; Benefit Amount: Adjustment based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W)

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Windfall Elimination Provision (WEP)

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Eligibility: Receiving a pension from work not covered by Social Security; Benefit Amount: Reduced Social Security benefits calculated with a modified formula

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Maximum Family Benefits

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Eligibility: Based on the worker's record and the number of family members; Benefit Amount: Generally limited to 150-180% of the worker's primary insurance amount

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