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Social Security Pension Laws

Individuals receiving a pension are often confused by the pension rules of their pension program. This confusion, often times, involve integration of Social Security pension benefits or spousal benefit reductions. These topics of confusion often lead to questions like the ones answered below.

What is a pension?

A pension is a set amount of money paid out on a regular basis to a person who typically has retired from service. Occupational or employer pension is a pension that an employer creates to benefit the employee. A pension made for an individual by their employer is referred to as an occupational or employer pension.

I am currently drawing a Social Security pension. I was working but now facing health problems. Can I draw my Social Security pension and Social Security disability at the same time?

Individuals are only allowed to draw one Social Security benefit at one time. You will not be able to draw Social Security retirement and Social Security disability at the same time. Since you are already receiving SSI then you have the one that offers the higher benefit amount of the two social security programs.

What does a pension benefit integrated with Social Security mean?

A pension benefit integrated with Social Security is basically a way that your current pension program pays fewer benefits because you are also receiving Social Security retirement benefits. Integration of the SSI benefits would be found in your current pension program contract. An easy example of how the integration is applied would be, for sake of example, let’s say it’s 100% integration. If your current pension pays $3000/month and your Social Security benefit is $1000/month, then your current pension would subtract 100% of your SSI benefits which would leave your current pension payout $2,000/month.

Will my wife receive my pension amount and forego what she is receiving upon my death?

When an individual passes away, their spouse will get their full Social Security Benefit. However, they would not be entitled to the half spousal benefit. An individual may only receive one of the benefits. It will always be the larger pay out benefit that the individual will receive.

My spouse has passed away. What do I need to do to apply for a widow’s pension?

You can apply for widow’s benefits if you are over the age of 60 and have not remarried. You would want to apply for the benefit as soon as you can because benefits are paid from the time you apply not from the date of death.

Social Security Administration offers two was to apply for benefits by telephone or at a Social Security office. There are certain pieces of information that an individual will need to furnish. These should be either the original document or certified copies of the original.

The information needed includes:
• Proof of death—either from a funeral home or death certificate;
• Your Social Security number, as well as the deceased worker’s;
• Your birth certificate;
• Your marriage certificate, if you are a widow or widower;
• Your divorce papers, if you are applying as a divorced widow or widower;
• Dependent children’s Social Security numbers, if available, and birth certificates;
• Deceased worker’s W-2 forms or federal self-employment tax return for the most recent year; and
• The name of your bank and your account number so your benefits can be deposited directly into your account.

Knowing your pension rules will greatly aid in understanding how pensions are paid out. Experts are able to answer questions about integration of social security pensions or what a Social Security pension is. Get the answers fast and affordably by asking an Expert online.
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