FACTS ON SOCIAL SECURITY DISABILITY SERVICES There are different types of Social Security Disability Benefits and as members we have to be abreast with all legal components concerning Social Security. One type of disability benefit is the Disability Insurance Benefit. This type applies to disabled individuals who have worked in recent years with the general rule 5 out of 10 years. And also included in type of disability benefit are those disabled widows and widowers who are at least 50 years old and whose disability has been found out to exist over a certain amount of time after the death of either the wife or the husband. The Social Security however requires that the deceased member should have worked the amount of number of years required to be able to qualify him or her of the insurance. For cases wherein the deceased member has a disabled adult child, the ruling of Social Security requires that the child should have been disabled before aging 22 years old in order for the child to benefit from the death of his or her parents or any other member of the family in which he is dependent upon. All of the benefits offered by the Social Security are available for everybody. Interested individuals are only required to have enough credits and a job covered by Social Security to avail of the benefits provided by the agency. Nonetheless, the rate from person to person differs depending on the number of years they have worked and the degree or the severity of the disability. For Social Security related cases there are Social Security Attorneys to turn to. Social Security Lawyers have the expertise and the knowledge to help you through your various Social Security troubles. These Social Security Lawyers can be reached either by phone or by email. Check your state and get to know the Social Security Attorneys in your area.
Social Security IOUs Stashed Away (The Washington Times) PARKERSBURG, W.Va. | The retirement nest egg of an entire generation is stashed away in this small town along the Ohio River: $2.5 trillion in IOUs from the federal government, payable to the Social Security Administration. It's time to start cashing them in. For more than two decades, Social Security collected more money in payroll taxes than it paid out in benefits - billions more each year ...
Social Security To Start Cashing IOUs (Traverse City Record-Eagle) The retirement nest egg of an entire generation is stashed away in this small town along the Ohio River: 2.5 trillion dollars in IOUs from the federal government, payable to the Social Security Administration. It's time to start cashing them in.
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Planning Your "Retirment Paycheck"
Ken Morris
PLANNING YOUR "RETIREMENT PAYCHECK" What could be more comforting than a dependable, consistent paycheck in retirement? You can give yourself the opportunity to enjoy an attractive retirement income stream, month after month. But, planning to optimize your retirement income stream is just as critical as planning to accumulate your retirement nest egg. Here are some steps you can take to help you plan to optimize your retirement paycheck. 1. Identify the source(s) of your retirement paycheck. You will most likely receive income from several sources including Social Security, a pension or 401(k), an IRA, a taxable investment account or annuity. 2. Carefully time your first retirement paycheck. It may result in a larger paycheck. And, you may be able to retire sooner than you think. For example, the recent decline in interest rates has triggered a significant increase in the lump sum retirement benefit for many pension and defined benefit plan participants. 3. Estimate the size of retirement paycheck you will need. It is important to do some cash-flow projections. These will allow you to match the size of your retirement paycheck to your expenses. It also helps determine the frequency with which you should take your retirement paycheck, such as monthly or quarterly. 4. Pinpoint how much you can afford to pay yourself. The goal here is to pace your paychecks to avoid running short of money during retirement. Experts do not agree on one "safe" withdrawal rate. However, they do agree that your annual withdrawal rate generally should not exceed your average annual earnings rate. 5. Target the initial Asset Allocation you should maintain in retirement. The factors discussed above, such as the source of your retirement paycheck and your cash-flow requirements will influence your initial asset allocation. A general recommendation is to hold three to four years' worth of retirement paychecks in cash and cash equivalents. 6. Determine whether to draw your paycheck from taxable accounts, tax-deferred accounts or a mix of both. The rule of thumb is to spend down your taxable accounts first. This permits your tax-deferred accounts to continue their tax-deferred or tax-free (as with Roth IRAs) growth.
"Can somebody please help me watch, manage, invest or oversee my 401k" is the question Mr. Morris hears most often that causes him the most concern. Fearing the American worker is being left in the dark, Mr. Morris, a fee based Investment Advisor Representative, based in Central Ohio, with Raymond James Financial Services, Inc., helps 401k participants get the most out of their retire
There is a "Mom" in your neighborhood.