By Jane McNamara, Elder Law Attorney 

Social Security is all over the headlines.  Everyone seems to be talking about it, and the need for its immediate “overhaul” to save the program for future generations.  Most people think of Social Security only as a monthly check to seniors.  However, the program provides assistance to people of all ages, and we should all be aware of the benefits available.

Social Security is a series of connected programs, each with its own set of rules. There are four basic categories of Social Security benefits.  These categories are 1) retirement, 2) disability, 3) dependents, and 4) survivor’s benefits. All of the programs have one thing in common: benefits are paid (either to a retired or disabled worker, or to the worker's dependent or surviving family) based on the worker's average wages.  Social Security keeps a record of your earnings over your working lifetime and pays benefits based upon the average amount earned. It is not based on need, so it has no relation to any type of “welfare” program.

For retirement benefits, you may choose to begin receiving Social Security retirement benefits as early as age 62, at a reduced amount based upon your date of birth. The highest earners claiming their benefits in 2005 would receive about $1,940 per month.

If you are married to a retired or disabled worker who qualifies for Social Security retirement or disability benefits, you and your minor or disabled children may be entitled to benefits based on your spouse's earning record. If you are the surviving spouse of a worker who qualified for Social Security retirement or disability benefits, you and your minor or disabled children may be entitled to benefits based on your deceased spouse's earnings record. As a surviving spouse, you are also entitled to a one-time death benefit of $255.00.

You must “claim” your benefits through the social security office.  You must also advise them upon the death of the wage earner or beneficiary.  The wage earner has paid into the system, and you (or the beneficiary) are entitled to those benefits.  If you are internet savvy, there is a wealth of information on the Social Security website, at www.ssa.gov.  Perhaps we will have a positive outcome regarding the Social Security debates and bantering in Washington, and we will all enjoy the program for years to come.