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AN OVERVIEW OF BENEFITS (Part II)

by: Jinky C. Mesias

SOCIAL SECURITY BENEFITS FOR FAMILY MEMBERS

Families of Social Security members are also covered by Social Security Benefits. When members retires or became disabled their members also received their share of Social Security Benefits.

For spouse if he or she reaches the age of 62 or older receives a monthly benefit. Also for spouse who takes care of the member�s child under the age of 16 or takes care of a child who receives social security benefits entitles the spouse to receive social security benefits. Unmarried children under age 18 or under age 19 who is either a full-time student in elementary or secondary school may also be given social security benefits. And also a child of age 18 or older who is severely disabled is entitled to receive social security benefits.

Each of the family members may be able to receive up to 50% of the retirement or disability benefit however social security benefits are only limited up to 150% to 180% depending on the circumstances faced by the family. The benefit given to the social security member is not all affected or reduced by the amount of benefits given to his or her family. And even the benefits given to the ex-spouse with whom the social security member has been married for at least 10 years would have no effect or whatsoever on the benefit given to the member and to his or her other family.

SOCIAL SECURITY SURVIVORS BENEFITS

In the Social Security Survivors� Benefits, this is where accumulated credits are applied. For members who have accrued enough credits during their working years his or her family members are eligible for Social Security Survivors� Benefits.

The eligible family members include widows and widowers ages 62 and older, disabled widows or widowers ages 50 and up, widows and widowers caring for a child under 16 years of age and who is receiving Social Security Benefits, unmarried children under the age of 18 or under age 19 either a full time elementary student or secondary school, or age 18 or older but is severely disabled and lastly parents who are dependent entirely or not upon the social security member will also receive social security benefits.

In addition, the Social Security also provides survivor benefits for divorced widows and widowers after the death of their ex-spouse who is a social security member. The benefit given to them will be based upon the Social Security account of the deceased member.

About the author:
Jinky C. Mesias is a graduate of Bachelor of Arts and Sciences in Business Administration Major in Business Management. She is at present an Associate Manager of a Life Insurance Corporation and a freelance writer.

For suggestions and comments kindly visit[url=http://www.socialsecuritylawattorney.com]Social Security Attorney[/url]

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Seven Sets of Documents You Need For Your Divorce
by: Scott Morgan

This article is designed to give someone who is considering or planning for the possibility of divorce an idea of what documents are needed. Even if you believe your case is ultimately agreed to and settled without a trial, you will be in a much better position if you already have the relevant documents in your possession. Better safe than sorry.

You should locate the relevant documents, make copies, and keep them somewhere secure, like your office or with a friend. You will then have access when it is needed.

Here are the most important seven categories of documents you should focus on.

1. Income Documents

Your spouse's income is relevant to a number of issues in a divorce case. At a minimum, get your spouse's last paycheck statement and your most recent tax return. Ideally, you would have access to all tax returns filed during the marriage, along with all supporting documents and schedules.

2. Bank Records

The monthly bank statements are very important and can lead you to other documents (cancelled checks, deposit slips, registers, etc.) that you also may need to obtain. Get at least the most recent statement for each account that is either held in your name, your spouse's name, or jointly. If possible, get copies of all statements going back to the date of marriage. In most cases this volume of records is not required, but in some cases these records can be very helpful and even necessary to analyze the case.

3. Retirement and Other Investment Records

Often the biggest asset a couple will own will be a 401k or pension account. So you will definitely want the most recent account statement and ideally all statements dating back to the time of marriage. Also, the last statement prior to marriage can be very significant (especially in community property states) to show the pre-marriage balance.

4. Credit Card statements

Again the most recent statements are a necessity, but a lot of important evidence can be garnered from the historical statements. In some cases, the credit card statements will show questionable transactions that can be of real evidentiary value. For example, they might show evidence of gifts or dinners purchased for paramours, questionable hotel rentals, or other dubious purchases.

5. Real estate documents

The most important real estate documents are the Deed of Trust and Warranty Deed for any property you currently own. If you have the entire file from (the giant stack of paper you got after the closing) for each real estate purchase or refinance transaction during the marriage it can be helpful. Additionally, documents evidencing real estate owned by either spouse prior to marriage can be significant, especially in community property states.

6. Mortgage statements & any Other Debts

You should get the most recent statements showing the current payoff balance for any other debts. For those debts that have only a coupon book with no regularly generated statements showing the current balance, you will probably need to contact the creditor by phone for the current payoff information.

7. Relevant emails or other correspondence

Correspondence or emails can be extremely helpful (or damaging, depending on your viewpoint) pieces of evidence in the case. Whether the communication is between spouses or between a spouse and some third-party, the communication is potentially relevant. Two common examples would be where your spouse makes a damaging admission about some issue in the case, or communications with paramours.

Conclusion

Determining which documents you need to obtain for your divorce case can be a very time-consuming and daunting task. Use this list as a starting point and discuss your situation with a quality divorce attorney. This person should be able to advise you specifically on the documents you need to obtain in order to protect your interests.

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