Social Security
Benefits, disability claims, and retirement planning
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FAQ AvailableHow are my Social Security benefits protected from most creditors under California and federal law?
Under federal and California law, your Social Security benefits are highly protected from garnishment by most private creditors, both before and after they are deposited into your bank account. Here i...
Who is responsible for notifying the Social Security Administration of a death to stop payments and prevent overpayment issues in California?
In most cases, the funeral home you use will notify the Social Security Administration (SSA) of the death. However, the surviving spouse or the personal representative (executor) of the estate is ulti...
How do I prove my identity to the Social Security Administration in California if I have lost my primary forms of ID?
To prove your identity to the Social Security Administration (SSA) without primary ID, you must first use secondary documents to obtain a new, acceptable primary ID, such as a California ID card. You ...
What steps should I take if my monthly Social Security payment is not deposited into my California bank account on the expected date?
If your Social Security payment is not deposited on time, you should first wait a few days for processing delays and then contact the Social Security Administration (SSA) and your bank to trace the fu...
How do I create a "my Social Security" account online to manage my benefits and view my statement from California?
You can create a "my Social Security" account online through the Social Security Administration's (SSA) official website. The process is the same for all U.S. residents, including those in California....
What are the rules for a surviving divorced spouse in California to claim Social Security survivor benefits?
In California, a surviving divorced spouse can claim Social Security survivor benefits based on their ex-spouse's record if the marriage lasted 10 years or more and specific eligibility criteria are m...
How does a personal injury settlement in California need to be structured to protect my ongoing SSI eligibility?
To protect your SSI eligibility, your personal injury settlement funds must be placed directly into a specific, court-approved trust called a first-party Special Needs Trust. Here is how to structure ...
What is the procedure to suspend my Social Security retirement benefits in California in order to earn delayed retirement credits?
You can suspend your Social Security retirement benefits to earn delayed retirement credits by making a request directly to the federal Social Security Administration (SSA) after you have reached your...
How do I calculate the benefit reduction if I choose to claim Social Security retirement benefits at age 62 in California?
To calculate your benefit reduction for claiming Social Security at age 62, you must determine your full retirement age and then apply a fixed percentage reduction. The exact reduction amount depends ...
What are the specific steps to report an improvement in my medical condition while receiving SSDI in California?
To report a medical improvement for SSDI, you must promptly notify the Social Security Administration (SSA) of the change and provide them with updated medical information. Here are the specific steps...
Where do I submit my completed application for SSDI if I am applying by mail from California?
You must submit your completed SSDI application to your local Social Security Administration (SSA) field office, not a central processing center. However, the SSA strongly recommends applying online o...
How do my SSI benefits get recalculated if I start receiving other income, like CalWORKs, in California?
When you start receiving CalWORKs, your SSI benefit will be reduced because CalWORKs is considered unearned income by the Social Security Administration (SSA). You must report this new income promptly...
What is the process for showing the California Franchise Tax Board that my Social Security income is not subject to state income tax?
In California, Social Security income is not subject to state income tax, so you show this by subtracting any federally taxed benefits from your income on your state tax return. The California Franchi...
Who do I contact in California if I suspect my Social Security number is being used fraudulently for employment?
If you suspect fraudulent use of your Social Security number for employment in California, you must report it to federal, state, and local authorities. Key contacts include the Social Security Adminis...
How do I report rental income from a California property to avoid jeopardizing my SSI eligibility?
To report rental income and protect your SSI, you must calculate your net rental income after expenses and report that figure to the Social Security Administration (SSA) every month. Here is how to do...
What are the steps for a minor child in California to claim survivor benefits from a deceased parent's Social Security record?
To claim Social Security survivor benefits for a minor child in California, the child's surviving parent or legal guardian must apply on their behalf to the Social Security Administration (SSA) with p...
How do I use the Ticket to Work program in California to attempt a return to employment without immediately losing my disability status?
The Ticket to Work program lets you test your ability to work for at least nine months while keeping your full disability benefits and protecting your disability status from medical review. You can us...
When should I contact the Social Security Administration to start my retirement benefits to maximize my lifetime payment amount in California?
To maximize your monthly benefit amount, you should generally wait until age 70, but you should contact the Social Security Administration about four months before you want payments to begin. The idea...
What steps should a court-appointed conservator in California take to legally manage a person's Social Security benefits?
A court-appointed conservator must apply separately to the Social Security Administration (SSA) to be designated as the "Representative Payee." The California court order alone is not sufficient to gr...
How does receiving Social Security disability income affect my child support obligations under California law?
Receiving Social Security Disability Income (SSDI) is considered income for calculating California child support. However, any separate benefit payment your child receives directly from the Social Sec...
What is the process for requesting a hearing before an Administrative Law Judge for my disability case in a California field office?
To request a hearing with an Administrative Law Judge for your California State Disability Insurance case, you must file a formal appeal with the Employment Development Department (EDD) within the leg...
How do I apply for the one-time Social Security lump-sum death payment after a family member passes away in California?
To apply for the one-time Social Security lump-sum death payment, the eligible surviving spouse or child must contact the Social Security Administration (SSA) directly, as you cannot apply online for ...
What are the annual reporting duties for someone serving as a Representative Payee in California?
As a Representative Payee in California, you have a federal duty to file an annual report with the Social Security Administration (SSA) detailing how you used the beneficiary's funds. California law r...
How does a California public employee pension affect the amount of my Social Security benefit under the Windfall Elimination Provision?
Your California public employee pension can reduce your Social Security retirement benefit if you earned that pension in a job where you did not pay Social Security taxes. This reduction is due to a f...
What is the procedure for reporting a marriage or divorce to the Social Security Administration from California?
To report a marriage or divorce to the Social Security Administration (SSA) from California, you must obtain a certified copy of the legal document and submit it directly to the SSA, usually in person...
How do I set up or change the direct deposit for my Social Security benefits to my California bank account?
You can set up or change your Social Security direct deposit online, by phone, or in person with the Social Security Administration (SSA). The fastest and most secure method is using the SSA's officia...
What medical evidence and reports do I need to collect from my California doctors for a strong SSDI application?
To build a strong SSDI application, you need to collect all medical records that document your diagnosis, treatments, and, most importantly, how your condition limits your ability to work. Here are t...
How does California's Cash Assistance Program for Immigrants (CAPI) work if I am a legal resident but ineligible for federal SSI?
California's Cash Assistance Program for Immigrants (CAPI) provides monthly cash benefits to certain aged, blind, or disabled legal immigrants who are ineligible for federal Supplemental Security Inco...
What is the step-by-step process for transitioning from California's SDI to federal SSDI once my state benefits are exhausted?
To transition from California SDI to federal SSDI, you must proactively file a separate application for SSDI, as the two systems do not automatically connect. The process can be lengthy, so it is crit...
How do I get a Social Security benefit verification letter in California to prove my income for housing or other assistance programs?
You can obtain a Social Security benefit verification letter online through the SSA website, by phone, or in person at a local Social Security office. This official letter serves as proof of income fo...
What steps must I take to notify the Social Security Administration of a change of address within California?
To change your address with the Social Security Administration (SSA), you should promptly notify them online, by phone, or in person to ensure you continue to receive benefits and important notices wi...
How does a workers' compensation settlement in California affect my eligibility for SSDI benefits?
A California workers' compensation settlement can reduce your Social Security Disability Insurance (SSDI) benefits, but you can take specific steps to minimize or eliminate this reduction. The key is ...
What is the process to use California's ABLE (Achieving a Better Life Experience) account to save money without losing my SSI benefits?
You can use a California ABLE (CalABLE) account to save money above the $2,000 limit without losing your Supplemental Security Income (SSI) benefits. The account allows you and others to contribute fu...
How do I apply to become a Representative Payee for a relative in California who is unable to manage their Social Security funds?
To become a Representative Payee, you must apply directly with the Social Security Administration (SSA), as this process is governed by federal rules, not California state court proceedings. The SSA w...
What are the steps to take if I receive a notice of overpayment from the Social Security Administration in California?
If you receive a Social Security overpayment notice, you must act quickly to appeal the decision, request a waiver, or arrange a repayment plan. Here are the steps to take: Step 1: Review the Notice ...
How do I correct an error on my Social Security earnings record from a previous California employer?
To correct an error on your Social Security earnings record, you must gather proof of your correct wages and submit a formal correction request to the Social Security Administration (SSA). Here are t...
What is the process for a divorced individual in California to claim Social Security benefits based on an ex-spouse's work record?
In California, you can claim Social Security benefits based on your ex-spouse's work record if you meet specific federal requirements. The process involves confirming your eligibility, gathering docum...
How do I report my part-time work wages to the Social Security Administration while receiving retirement benefits in California?
You must report your part-time work wages directly to the federal Social Security Administration (SSA) if you are receiving retirement benefits and are under your full retirement age. The SSA uses thi...
What are the income and asset limits I must stay under to maintain eligibility for SSI and California's SSP?
To maintain SSI/SSP eligibility, you generally must have countable assets under $2,000 for an individual or $3,000 for a couple. Your countable income must be less than the maximum combined SSI/SSP be...
Where can I find free or low-cost legal assistance in California for my Social Security disability appeal?
You can find free or low-cost legal assistance for your Social Security disability appeal through California's legal aid organizations, lawyer referral services, and programs for older adults. Here ar...
How are my Social Security retirement benefits treated in the division of assets during a California divorce proceeding?
Under California law, your Social Security retirement benefits are treated as your separate property and are not divided in a divorce. Federal law prevents state courts from dividing these benefits as...
What is the procedure for applying for SSI benefits for a disabled child in California?
The procedure for applying for a child's SSI benefits involves filing an application with the federal Social Security Administration (SSA), which then works with a California state agency to determine...
How does receiving SSDI or SSI automatically qualify me for Medi-Cal in California, and what are the steps to ensure enrollment?
Receiving SSI automatically qualifies you for Medi-Cal in California, while receiving SSDI makes you eligible to enroll, though you may need to apply separately. Here are the steps to ensure you are e...
What is the fastest way to get a replacement Social Security card while living in California?
The fastest method for most California residents to get a replacement Social Security card is by applying online through the Social Security Administration's (SSA) official website. This process is ge...
How do I appeal a denial of my Social Security Disability claim while residing in California?
To appeal a Social-Security-Disability-denial-in-california, you must file a "Request for Reconsideration" with the Social Security Administration (SSA) within 60 days of the date on your denial lette...
What documents do I need to gather before applying for spousal Social Security benefits in California?
To apply for spousal Social Security benefits, you will need to gather original documents that prove your identity, your spouse's work history, and the validity of your marriage under California law. ...
How do I apply for Social Security survivor benefits as a widow or widower living in California?
To apply for Social Security survivor benefits in California, you must gather required documents and submit an application to the Social Security Administration (SSA). You can typically begin the appl...
What is the process to apply for California's State Supplementary Payment (SSP) when I am approved for federal Supplemental Security Income (SSI)?
When you are approved for federal Supplemental Security Income (SSI) in California, you are automatically enrolled in the State Supplementary Payment (SSP) program. There is no separate application re...
How do I coordinate my California State Disability Insurance (SDI) payments with my application for federal Social Security Disability Insurance (SSDI)?
You must apply for California SDI first, and if your disability is long-term, you should also apply for federal SSDI. California's Employment Development Department (EDD) will require you to apply for...
What are the step-by-step instructions for applying online for Social Security retirement benefits from my home in California?
You can apply for Social Security retirement benefits online through the Social Security Administration's (SSA) official website. The process is standardized across the United States, but there are Ca...
Legal Disclaimer
The information provided on this page is for general informational purposes only and does not constitute legal advice. Laws and regulations may change, and individual circumstances may vary. For specific legal issues, please consult with a qualified attorney licensed in California.