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GET TO KNOW YOUR MONTHLY SOCIAL SECUIRTY BENEFITS

by: Jinky C. Mesias

The benefits offered by Social Security are more than just your monthly retirement benefit. In fact monthly benefits are also paid to disabled working members under the age of 65. Likewise, retired members aged 62 and older received monthly retirement benefits. Spouses of retired or disabled working members who are ages 62 and older without or with a child who is under 16 years old or a child over the age of 16 but disabled are all entitled to monthly benefits.

Even divorced spouse of a retired or a disabled Social Security member who is aged 62 and older and who has been married to the Social Security member for at least 10 years or more has also the right to receive a monthly benefit. And also, unmarried children of a disabled, retired or deceased Social Security member who is under 18 years old, or under age 19 and a full-time elementary or secondary student is also allowed to receive monthly benefits.

Nonetheless, there are cases wherein a child of a retired, disabled or deceased Social Security member becomes disabled before reaching the age of 22. The Social Security ruling for this case gives the child the privileged or the right to receive monthly benefits. Surviving spouse aged 60 or over, disabled or not is also entitled to receive monthly benefits. Likewise, a surviving spouse who is taking care of a disabled child and in which the child�s age is under 16 and has acquired the disability before reaching the age of 22 is granted the right to receive monthly benefits. And also dependent parents of a deceased Social Security member who are ages 62 and older have the right to be given monthly benefits.

The monthly benefits are usually paid through direct deposit to a bank account. With regards to the bank account used you may call the nearest Social Security Office in your area. The direct depositing of monthly benefits saves time and does not require loads of paper works. The Social Security implemented such process in order to prevent cases of checks getting lost in mails or checks getting encashed by someone else posing as the owner of the check. And also, there are situations wherein the Social Security member has transferred residence and is hard to locate. Depositing benefits in banks is a more convenient and secure method of delivering monthly benefits to Social Security members.

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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