What kind of questions do you and your friends ask about Social Security? When do my benefits arrive? What are Social Security work credits, and do they have anything to do with the way my benefits are figured? Will I be automatically enrolled in Medicare? Read on to find the answers to these questions.
• Social Security benefits are paid in the month following the month for which they are due.
When you meet all the requirements for eligibility, the benefit check you receive is payment for the prior month’s benefits. For information on the payment of benefits, you can read our pamphlet, What You Need to Know When You Get Retirement or Survivors Benefits at www.socialsecurity.gov/pubs/EN-05-10077.pdf.
To know when checks will be paid, you can save the Schedule of Social Security Benefit Payments to your “Favorites” or print it by visiting www.socialsecurity.gov/pubs/calendar.htm.
• We don’t pay benefits for the month of death.
Social Security uses the same throughout-the-month rule to determine eligibility for the benefit that is due for the month of death. You must live through the full month to be eligible for the payment. See the pamphlet above in the section titled If a beneficiary dies at www.socialsecurity.gov/pubs/EN-05-10077.pdf for more information about when a check is due.
• Survivors benefits can replace a percentage of the worker’s earnings for family members.
The eligible family members of a retired or disabled beneficiary may receive a monthly payment of up to 50 percent of beneficiary’s amount. Survivor’s benefits usually range from about 75 percent to 100 percent of the deceased worker’s amount. Visit our Understanding the Benefits publication for an explanation of the amounts family members receive at www.socialsecurity.gov/pubs/EN-05-10024.pdf.
• Work credits determine eligibility for benefits, but your lifetime earnings are used to calculate your monthly benefit amount.
Retired workers need 40 work credits to be eligible for benefits, but your work credits alone do not determine how much you will receive each month. When we figure your retirement benefit, we use the average of your highest 35 years of earnings. See Your Retirement Benefit: How It Is Figured at www.socialsecurity.gov/pubs/EN-05-10070.pdf.