Our Social Security specialists:
Edwin L. Hettinger
R. Richard Hanson
Kalamazoo: 324-2000 Battle Creek: 968-5000 Three Rivers: 273-7800 Sturgis: 659-6161 Coldwater: (517)278-6800 Dowagiac: 782-2500 Fax: 344-3601 Statewide: 800-294-5055
There are five major categories of benefits paid for through your Social Security taxes: retirement, disability, family benefits, survivors and Medicare.
Benefits are payable at full retirement age (with reduced benefits available as early as age 62) for anyone with enough Social Security credits. The full retirement age is 65 for persons born before 1938. The age gradually rises until it reaches 67 for persons born in 1960 or later.
Benefits can be paid to people at any age who have enough Social Security credits and who have a severe physical or mental impairment that is expected to prevent them from doing "substantial" work for a year or more or who have a condition that is expected to result in death. Generally, earnings of $780 or more per month are considered substantial.
If you are eligible for retirement or disability benefits, other members of your family might receive benefits, too. These include: your spouse if he or she is at least 62 years old or under 62 but caring for a child under age 16; and your children if they are unmarried and under age 18, under 19 but still in school or 18 or older but disabled. If you are divorced, your ex-spouse could be eligible for benefits on your record
When you die, certain members of your family may be eligible for benefits if you earned enough Social Security credits while you were working. The family members include: a widow(er) age 60 or older, 50 or older if disabled or any age if caring for a child under age 16; your children if they are unmarried and under age 18, under 19 but still in school or 18 or older but disabled; and your parents if you were their primary means of support. A special one-time payment of $255 may be made to your spouse or minor children when you die. If you are divorced, your ex-spouse could be eligible for a widow(er)'s benefit on your record.
There are two parts to Medicare: hospital insurance (sometimes called Part A) and medical insurance (sometimes called Part B). Generally, people who are over age 65 and getting Social Security automatically qualify for Medicare. So do people who have been getting disability benefits for two years. Others must file an application. Part A is paid for by a portion of the Social Security tax of people still working. It helps pay for inpatient hospital care, skilled nursing care and other services. Part B is paid for by monthly premiums of those who are enrolled and from general revenues. It helps pay for such items as doctors' fees, outpatient hospital visits and other medical services and supplies.
The personal injury lawyers at Hettinger & Hettinger, P.C. understand your injuries better than the vast majority of attorneys. Michael Hettinger is a Registered Nurse and a Registered Respiratory Therapist. He is available seven days a week to discuss medical records and medical issues with any of our injury and disability attorneys. Our personal injury attorneys are devoted to helping you recover fully from your loss. Of course, this means continuously fighting for you to recover the maximum amount of damages available under the law. But it's not just about money. We know the personal side of your loss. Whether it means referring you to the best medical experts available to handle your health problems, or structuring your damage settlements to ensure the financial viability of you and your family, we stay personally involved with every client from the moment of first contact until the case is settled, fighting for you every step of the way.
The personal injury attorneys at Hettinger & Hettinger, P.C. are proud to leave no stone unturned in order to present a successful winning presentation of our clients personal injury claims. We have the financial resources to take on any defendant. Our special approach to handling cases enables our attorneys to monitor, update and deal with every issue to win for our clients. All of our personal injury attorneys are highly experienced and passionate about being a personal injury lawyer.
We are proud of our firm's leadership in pursuing personal injury claims. Remember, when a serious personal injury happens, the effects can be devastating and long-lasting. It is therefore of vital importance to obtain the best legal advice possible. Don't settle for less than you deserve.