Latest Legal Articles http://www.articlebear.com/ Articles at Article Bear - Bear Your Article To Us en-us Introduction to social security http://www.articlebear.com/legal/introduction-to-social-security.html http://www.articlebear.com/legal/introduction-to-social-security.html Wed, 30 Dec 2009 01:24:25 -0500 To address the concerns of many routine, as regards the payment of bills post-retirement or disability benefit, a federal benefits program was designed in the United States in 1935, known as the Social Securities Act program called Social Security provides disability, retirement, unemployment and survivors' benefits and Medicare. The benefits are intended to provide financial support for citizens of the United States, which fall within the categories in the paradigms of the program.

The Social Security Act of 1935 introduced the social security system in the United States. The system responds to the financial needs of retired citizens who have contributed to the Social Security trust fund for at least 10 years. It also provides survivor benefits in case of death of the employee. The other benefits offered cover disability and unemployment.

It is essential for the person to give the necessary contribution to the regular Social Security trust fund through payroll taxes, to qualify. Under the provisions of the Federal Tax Act, or FICA, income of each worker is subject to payment of taxes by 12.4% on first $ 94,200 earned during the year. Half of this amount, 6.2% is paid by the employer, while another 6.2% is deducted from the salary of the employee. The amount is given to the government. Self-employed workers are responsible for paying the full 12.4%. This amount is used to finance the social security system.

The system was designed to benefit those who make the contributions required for a period of ten years. There is a credit system established in the plan and you can earn a maximum of four credits a year. This means that regardless of the upper limit of your actual income, and thus the amount of your contribution to the fund, the income not be entitled to receive four credits.

The amount of monthly Social Security check you receive after retirement would be calculated on the basis of your 35 highest income-generating years. You must apply, you begin to receive social security benefits. The best time to do this would be several months before the effective date of retirement.

The social security program tries to pay the retired citizens predetermined sum of money to cover their basic needs. It works as a kind of insurance for retirees, helping them to cope with financial difficulties after retirement.

This is a form of insurance that covers the surviving spouse and children, in case of death of the employee. If the spouse is between 62-65, from 70 to 99 percent of benefits are due. Dependent parents and unmarried children under 18 are entitled to receive benefits too.

Disability that prevents employment opportunities are also taken into consideration for the benefits in the social security system. Physical and mental disabilities are also covered and the payment starts five months after proving the inability of the authorities.

Under the system of social security, unemployment benefits are available to those whose unemployment is due to circumstances beyond their control. The program is designed to provide financial assistance to the citizens of the United States at crucial moments.

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