Sunday, November 20, 2011

Social Security Survivors Benefits, Dependents Benefits and SSI

Social Security Dependents Benefits are benefits that are available to the family of a disabled or retired worker.  These benefits are paid directly to the family member.


The worker has to be claiming his/her own benefits at the time.


Dependents benefits can be paid to:


  1. The worker’s spouse, if s/he is age 62 or older
  2. The worker’s spouse, at any age, if s/he is caring for the worker’s child who is under 16 or disabled and entitled to social security benefits from the worker’s record
  3. Unmarried children of the worker, if they are under 18
  4. Unmarried children of the worker who are between 18 and 19 years old but in elementary or secondary school as full-time students
  5. Unmarried children of the worker who are 18 and older and severely disabled, as long as the disability started before age 22
  6. An ex-spouse of the worker, as long as the spouse was married to the worker for more than 10 years, the couple was divorced for at least 2 years, the ex-spouse is at least 62 years old, is unmarried, and does not qualify for an equal or higher benefit based upon his/her own work or someone else’s work.


Social Security Survivor’s Benefits are benefits that are available to a worker’s family, after the worker dies.  The worker will have had to earn enough work credits or time working for the family to be eligible to receive these benefits. 

Survivor’s benefits can be paid to the widow(er), children, dependent parents, or ex-spouse of the deceased worker, if certain criteria are met.  If you think that you or a family member may be entitled to survivor’s benefits, you should analyze your situation carefully. Here are the criteria for eligibility;


SSI is supplemental security income and is available to certain people who have low income, few resources and are 65 or older; blind; or disabled. Some children with disabilities may be entitled to monthly SSI. Here is a link to a pamphlet regarding SSI for disabled children.


Many people are not aware of the benefits that may be available to them under the Social Security law.   The website   has a variety of information, tools, calculators and forms to help you understand how social security benefits work, calculate your benefits, and apply for them.


Kalish Law Office “Passionate, Professional and Personal. We Make the Difference.” Since 1984

Monday, November 14, 2011

Take It Easy

Economic worries tend to make people angry, bitter and distracted.  In tough times, people are more likely to complain, blame, and be generally unappreciative of others. This is evident when driving down the road, standing in line at the store, and observing the tense, unhappy looks on the faces of people.  


There is no question that times are tough.  Feeling it, believing it and saying it doesn't make you a cynic, it makes you realistic. This year in Texas, at the same time the economy was taking a toll on us, we were hit hard by drought and extremely hot weather.   

When times are tough, it is more important than ever to show a little compassion to others.   We are all facing our own problems and worries. A “thank you” and a spirit of cooperation instead of a demanding attitude will go a long way towards helping us all get through a difficult time. Especially now. 


Very often the stress we feel and show to others is caused by excessive, constant worry. In tough times like these, our minds are going constantly with “to do” lists, worries and plans. It is hard to slow down our thought processes but lower blood pressure and a happier frame of mind are the rewards for taking a little extra time.  



The Eagles said it best when they sang, “Take it Easy.... Don’t let the sound of your own wheels make you crazy.”   The song is classic (old!), and the advice is still good.  
"Passionate, Professional and Personal. We Make the Difference."  Since 1984