49 Million People49 Million People

Who Gets Benefits from Social Security?Who Gets Benefits from Social Security?

31 millionRetired Workers

and 3 millionDependents

6.8 million DisabledWorkers and 1.8 million

Dependents

4.7 millionWidows/ Widowers

1.9 millionChildren

6/20066/2006

RSDI Retirement, Survivors, Disability Insurance Medicare

SSI

Supplemental Security Income Medicaid

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Social Security’sBenefit Programs

o Based on Work o Pays benefits to the worker and family members if eligibleo Financed by FICA taxes

o SSI needs basedo Low income and resourceso SSI pays individual, no family benefitso Aged, disabled or blindo Financed by General Revenue Funds

RSDI Varies - Based on

your lifetime earnings

Credits Earned

(insured Status)

SSI

$637 max.

Other income may

reduce benefit

Amount of Payment

Your Age When You Retire Affects Your BenefitsYour Age When You Retire Affects Your Benefits

If You’re A Worker and Retire:If You’re A Worker and Retire:

At age 62, you get less money permanentlyAt age 62, you get less money permanently

At your full retirement age, you get your full benefitAt your full retirement age, you get your full benefit

You get even more money if you work past your full retirement ageYou get even more money if you work past your full retirement age

In Addition to the Retiree,Who Else Can Get Benefits?In Addition to the Retiree,

Who Else Can Get Benefits?

Your SpouseYour Spouse

Your ChildYour Child

At age 62At any age if caring for child under 16 or disabledDivorced spouses may qualify

At age 62At any age if caring for child under 16 or disabledDivorced spouses may qualify

Not married under 18(under 19 if still in high school)

Not married and disabled before age 22

Not married under 18(under 19 if still in high school)

Not married and disabled before age 22

Who Can Get Survivors Benefits?Who Can Get Survivors Benefits?

Reduced benefits at age 60Reduced benefits at age 60

If disabled as early as age 50If disabled as early as age 50

At any age if caring for child under 16 or disabledAt any age if caring for child under 16 or disabled

Divorced widows/widowers may qualifyDivorced widows/widowers may qualify

Not married under age 18 (under 19 if still in high school)Not married under age 18 (under 19 if still in high school)

Not married and disabled before age 22Not married and disabled before age 22

If Your Child Is:If Your Child Is:

Widow or Widower:Widow or Widower:

Who Can Get Disability Benefits?Who Can Get Disability Benefits?

WorkerWorker

At age 62At age 62

Must have paid into Social Security five out of last 10 yearsMust have paid into Social Security five out of last 10 years

At any age if caring forchild under 16 or disabledAt any age if caring forchild under 16 or disabledDivorced spouses may qualifyDivorced spouses may qualify

SpouseSpouse

RSDI Retirement, Survivors, Disability Insurance Medicare

SSI

Supplemental Security Income Medicaid

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Social Security’sBenefit Programs

o Based on Work o Pays benefits to the worker and family members if eligibleo Financed by FICA taxes

o SSI needs basedo Low income and resourceso SSI pays individual, no family benefitso Aged, disabled or blindo Financed by General Revenue Funds

Medicare CoverageMedicare Coverage

Part A Hospital InsuranceCovers most inpatient hospital expenses.

2008 Deductible $1024• Part B Supplementary Medical Insurance

Covers 80% doctor bills & other outpatient medical

expenses after 1st $135 in approved charges.2008 Monthly Premium $96.40

• Part D Medicare Prescription Drug PlanCovers a major portion of prescription drug costs.Monthly Premiums Vary by Plan

Part A Hospital InsuranceCovers most inpatient hospital expenses.

2008 Deductible $1024• Part B Supplementary Medical Insurance

Covers 80% doctor bills & other outpatient medical

expenses after 1st $135 in approved charges.2008 Monthly Premium $96.40

• Part D Medicare Prescription Drug PlanCovers a major portion of prescription drug costs.Monthly Premiums Vary by Plan

• 65 & older• Receiving Social Security disability

benefits at least 24 months

• 65 & older• Receiving Social Security disability

benefits at least 24 months

Social Security Improves Service to Disabled Military Service Members

• Expedited processing of disability claims for men and women serving in the U.S. military who become disabled while on active duty

• The expedited process is for military service members disabled on or after October 1, 2001, and is applicable regardless of where the disability occurs

• Social Security also expedites survivors claims

• Development of an easy-to-use website - www.socialsecurity.gov/woundedwarriors - that provides information about Social Security and military service. The website also includes a link to apply for disability benefits online

• An agreement with the Department of Veterans Affairs (VA) for the VA to electronically provide Social Security with the medical records of veterans applying for disability benefits

• This agreement enables us to get medical records quicker and more efficiently and helps us expedite the disability determination

Who Can Get SSI?

Supplemental Security IncomeSupplemental Security Income

Age 65 or older

Blind– any age

Disabled– any age

Limited Income

Limited resources

U.S. citizen in most cases

Age 65 or older

Blind– any age

Disabled– any age

Limited Income

Limited resources

U.S. citizen in most cases

Financed by General RevenueFinanced by General Revenue

Medicare Prescription Drug Benefit:

Application for Extra Help

What is the extra help?•Help to pay for Medicare Prescription Drug Benefit

•Premiums•Deductibles•Co-payments

Extra Help Categories

1.Full:• Full premium assistance

2.Partial:• Sliding scale premium • Lower deductible & co-

payments

Who is eligible for the help?

• Medicare beneficiaries with limited income and resources

• Income» ind = $15,600»couple = $21,000

• Assets » ind. $11,990»couple 23,970

Deemed Population• People who are automatically

eligible for the extra help

1. Medicare and Medicaid

2. Medicare Savings Programs (QMB, SLMB, QI)

3. Medicare and SSI

• Do not have to complete an application

• States work with CMS to process extra help for deemed population

Not Deemed Population

All Other Medicare beneficiaries

who have limited resources and

low income

Must apply for extra help

How to Apply for Extra Help

• Internet application

• Scannable application

• Phone with SSA

• At SSA office

• Outreach event

With SSA

or other

organization

Other Extra Help Information

Can appoint personal

representative to sign up for the

extra help

SSA will notify beneficiary

whether eligible for subsidy

Can appeal the decision

Decision effective for one year

For More Information

Social Security Administration:– www.socialsecurity.gov

– 1-800-772-1213

Center for Medicare and Medicaid Services:

– www.medicare.gov– 1-800-633-4227