Contact Social Benefit Advisors2022-10-23T22:49:54+00:00

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CONTACT SOCIAL SECURITY ADVISORS!

Contact Social Benefit Advisors today to set up an appointment to review your situation, or to submit a claim analysis, so that we can help you and your family maximize your social security benefits.

SOCIAL SECURITY BENEFITS FAQs

While every claim is different, here are some common questions about Social Security benefits and claim analysis:

What is Social Security and how does it work?2022-10-13T20:12:24+00:00

Social Security’s main function is to keep seniors, the disabled and widows out of poverty. It’s meant to be a piece of your income during those periods, but shouldn’t be a significant percentage.

The easiest way to think of Social Security is they are just an insurance company, like your car insurance. The way you pay your premiums is through your tax contributions from your work. If you are a W-2 employee you pay half the tax burden, and your employer pays the other half. If you are self-employed or a 1099 worker the total tax burden is on the worker to pay.

When you file your taxes with the IRS, they will eventually send your wage information to the Social Security. It’s for this reason that, depending on when you were born, Social Security would send you an earnings statement. The purpose of the statement is your you to verify the wages were recorded correctly so that if/when the time came to utilize Social Security you know you are being paid correctly

Are social security benefit calculators found online accurate?2022-10-13T20:13:06+00:00

Believe it or not, there is more than just one Social Security calculator available online! Different companies may offer these free tools, but be careful. They may not have the depth of knowledge and expertise that a representative from Social Benefit Advisors does.

We use the calculators provided by the Social Security Administration itself to help determine our estimates for your benefits. This ensures that we’re using the most accurate tools. However, if you feel like you aren’t getting enough, one of our representatives will be happy to review your claim, and help you appeal if necessary.

How does Social Security determine what my benefit will be?2022-10-13T20:13:56+00:00

To keep it simplified, your retirement benefits are calculated using your highest 35 years of work. If you have worked more than that, then anything outside of your highest 35 years will not be counted in the computation of your benefits.

For disability purposes, it works in a similar way but depending on your age, how many years of Social Security contributions you have, as well as how much you’ve contributed would determine your benefit. As an example if you are a much younger person, say in your late 20’s or early 30’s there basically a curve on your record to account for missed wages because of your disability.

If you are receiving survivors benefits from someone else’s record like a spouse, there are a number of things that can come into play but the benefit is based on the deceased workers wage history, their age, if they filed for benefits before they passed, what type of benefit they filed for and maybe how old they were at that time, as well as your age and a few other details. Survivors benefits are arguably one of the most complex benefits Social Security has.

How to get started?2022-10-13T20:15:38+00:00

Getting started is easy! Call us (803) 526-7951  or schedule an appointment online to request additional information and speak directly with one of our professionals. Because Social Security is a federal agency we can provide assistance anywhere in the country, so it doesn’t matter where you are located.

Is there anything I haven’t asked about social security benefits?2022-10-13T20:17:35+00:00

We often get asked “is there anything I haven’t asked?”. Basically, what clients are trying to ask with this is “have I told you everything you need to know about myself, to understand what I am eligible for? Yes, that’s exactly what we try to do. During the initial free consultation our representative will ask you all the key questions they need to provide you with the correct assessment of benefits.

We will contact Social Security and complete our comprehensive processing questionnaire with the agency, from there we will compare the information gathered and provide you with our recommendations based on your scenario

When is the best time to file for Social Security?2022-10-13T20:19:13+00:00

Retirement

For retirement benefits that can vary depending on your financial situation, your retirement plan and mainly if you are still working. If let’s say you met all the criteria needed to be able to file, you could do everything about a month before you’d like to start getting a payment. Social Security Administration – Retirement Benefits

Survivors

Survivors benefits are more complexed and you may have more options if you qualify for these benefits. In some cases you could be widowed more than once, which would give you even more options. There are thousands of different scenarios and everyone’s can be different. It’s very important you understand the options you have before initiating an application. Social Security Administration – Survivors

Disability

If you have no other disability policies that prevent you from doing so, I would recommend filing for disability as soon as you have a diagnosis for a condition that is expected to be greater than 12 months and keep you from working. If you do have another disability insurance, whether short-term or long-term, you should consult with them in regards to Social Security Disability and if it could affect anything. Social Security Administration – Disability