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What Are Social Security Benefits?

Social Security benefits are payments made to qualified retired adults and people with disabilities, and to their spouses, children, and survivors. Social Security—officially the Old-Age, Survivors, and Disability Insurance (OASDI) program in the U.S.—is a comprehensive federal benefits program designed to provide partial replacement income for retired adults and their spouses, those whose spouse or qualifying ex-spouse has died, and people with disabilities. Under specified conditions, it also supports the children of beneficiaries.

Key Takeaways

  • Social Security benefits provide partial replacement income for qualified retired adults and individuals with disabillities, as well as for their spouses, children, and survivors.
  • An individual must pay into the Social Security program during their working years and accrue 40 credits in order to qualify for benefits.
  • The benefit amount someone receives is based on their earnings history, the year they were born, and the age when they start to claim Social Security.
  • Spouses who don't work or haven't amassed the requisite number of credits can receive benefits based on their spouse's work record.
  • Benefits may be taxed depending on one's income and tax filing status.

How Social Security Benefits Work

President Franklin Roosevelt signed the original Social Security Act into law in 1935. The current law, after a number of amendments, encompasses several social insurance and social welfare programs, including the issuance of Social Security benefits. Benefits are determined by a specific set of criteria issued by the Social Security Administration (SSA).

Payroll taxes under the Federal Insurance Contributions Act (FICA) or the Self Employed Contributions Act (SECA) (for self-employed individuals) fund Social Security and all of its benefits.

The Internal Revenue Service (IRS) collects tax deposits and formally entrusts them to the Social Security Trust Fund, which is actually made up of two separate funds: the Old-Age and Survivors Insurance (OASI) Trust Fund and the Disability Insurance Trust Fund.

How Do You Qualify for Social Security Benefits?

You qualify for Social Security old age (or retirement) benefits by paying into the program during your working years. Full insurance is based on accumulating 40 quarters or "credits" from covered wages, and a worker can earn up to four credits a year. One credit is awarded for every $1,640 in earnings for 2023 (and $1,510 in 2022), an amount that is adjusted annually to keep up with inflation.

A payroll tax cap sets the maximum amount of earned income that is subject to the Social Security payroll tax. The payroll tax cap in 2022 is $147,000 (and rises to $160,200 in 2023).

The SSA keeps track of your earnings throughout your career, indexes each year's total earnings, and uses the 35 highest-earning years to determine your average indexed monthly earnings (AIME). Next, your AIME is used to arrive at your primary insurance amount (PIA), the monthly amount you can begin to collect when you reach full retirement age.

For individuals born in 1938 or later, the full retirement age gradually increases from 65 until it hits 67 for those born after 1959. You can collect Social Security retirement benefits at age 62, but the amount of the benefit will be reduced to compensate for receiving it earlier and, presumably, for a longer period of time.

If you wait until you're 70 instead of 62 to collect benefits, you'll get an extra 8% a year, which means you'll collect 132% of your PIA for the rest of your life. Once you reach age 70 the increases stop.

In 2022, the maximum monthly Social Security payment for retired workers is $3,345, rising to $3,627 in 2023. The SSA’s retirement calculators can help you determine your full retirement age, the SSA’s estimate of your life expectancy for benefit calculations, rough estimates of your retirement benefits, actual projections of your retirement benefits based on your work record, and more. Retired adults with non-FICA or SECA-taxed wages will require additional help because rules for those individuals are more complex.

Types of Social Security Benefits

Spousal Benefits

Spouses who didn’t work or who didn’t earn enough credits to qualify for Social Security on their own can receive benefits starting at age 62 based on their spouse’s work record. Similar to claiming benefits on one's own record, a spouse's benefit will be reduced if they claim benefits before reaching full retirement age. The highest spousal benefit someone can receive is half the benefit their spouse is entitled to at their full retirement age.

Survivor Benefits

When a spouse dies, the surviving spouse is entitled to file for a survivor's benefit as early as age 60. The benefit will be reduced if they file prior to reaching their full retirement age. They are permitted to switch to their own benefit at any point they wish starting at age 62 and through age 70 if that benefit is higher than the survivor's benefit.

People who were married for 10 years or longer—and are divorced and have not remarried—are entitled to collect the spousal benefit and the spousal survivor benefit. The rules are complicated so review them carefully.

Special Considerations

If an individual taxpayer's income exceeds $25,000, or a married couple filing jointly has income that's more than $32,000, they will be required to pay taxes on their Social Security benefits.

The portion of benefits that is subject to taxation depends upon income level, but no one pays taxes on more than 85% of their Social Security benefits, regardless of income. Benefits received due to disability are, in most cases, tax-free. If your child receives dependent or survivor benefits, this money does not count towards your taxable income.

What Happens to Unused Social Security Benefits?

Unused Social Security benefits are kept in the Social Security trust funds and used to pay individuals receiving payments right now. Money contributed to Social Security cannot be refunded and contributions are not returned if an eligible worker dies before collecting benefits.

Which States Tax Social Security Benefits?

There are 12 states that currently tax Social Security benefits—Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, Rhode Island, Utah, Vermont, and West Virginia.

What Percentage of Social Security Benefits Does a Widow Receive?

Widows can receive up to 100% of the deceased spouse’s primary insurance amount (PIA). Widows of a divorced spouse (married for at least 10 years) are also eligible to collect up to 100% of the former spouse’s PIA—assuming they have not remarried.

When Does Social Security Benefits Recalculate?

Social Security benefits are evaluated each year. That is, the Social Security Administration reviews benefits each year for the previous year’s income. If the latest year is one of your highest-earning years, your benefit is recalculated to reflect the increased benefit due—which is retroactive to January of the year after you earned the money.

Which Types of Income Reduce Your Social Security Benefits?

If you're younger than full retirement age, certain types of income that contribute to your yearly earnings limit can reduce your benefit amount. Such income includes wages paid to you for working and net earnings from self-employment. Income that does not reduce benefits includes interest, annuities, capital gains, investment earnings, pensions, and other government benefits.

Mon, 07 Mar 2016 02:38:00 -0600 en text/html https://www.investopedia.com/terms/s/social-security-benefits.asp
Killexams : 9 Ways to Boost Your Social Security Benefits

Workers contribute to the Social Security fund through payroll taxes over a lifetime of work, so you might as well make the most of your benefits. This article contains nine ways you may be able to boost your Social Security benefits.

Key Takeaways

  • Retirees can boost their Social Security with a few key strategies.
  • Wait to retire until full retirement age (FRA).
  • Delay applying until age 70 and you’ll get your maximum amount.
  • If you work while getting benefits, make sure you don’t run into the earned-income limits that will reduce your benefits.
  • If eligible, don’t overlook spousal, dependent, or survivor benefits.

Strategies to Boost Your Benefits

There are steps that you can take that will go a long way toward helping you maximize your Social Security retirement benefits. You can use a combination of some of the following strategies, some of which have eligibility requirements:

  • Work for 35 years
  • Wait until at least full retirement age to start collecting
  • Collect spousal benefits
  • Receive dependent benefits
  • Keep track of your earnings
  • Watch out for tax-bracket creep if you’re still working
  • Apply for survivor benefits
  • Check Social Security statement for mistakes
  • Stop collecting benefits temporarily

Please note that the Social Security Administration periodically increases Social Security benefits called a cost-of-living adjustment (COLA), which adjusts for rising prices (or inflation). In 2023, Social Security and Supplemental Security Income (SSI) beneficiaries will receive a 8.7% COLA. The estimated average monthly benefit for retired workers will rise to $1,827 in 2023.

Below are the nine ways to help boost Social Security benefits.

1. Work for 35 Years

You can be eligible for Social Security benefits after working for as little as 10 years, and you can begin receiving benefits as early as age 62 or as late as age 70. Your benefit amount is based on the average of your 35 highest-earning years. If you work for fewer years, those zeros are averaged in.

As your benefit is based on your highest-earning years, the more you earn, the higher your benefit. There are limits, though. The maximum benefits for 2023 are $2,572 for those retiring at age 62, $3,506 for those retiring at the full retirement age of 66, and $4,555 for those retiring at age 70.

2. Wait Until at Least Full Retirement Age

As you can see from the maximum levels above, you can retire as young as 62 and collect Social Security, but your benefits will be reduced by 25% to 30%. For everyone born after 1942, the full retirement age is 66, with two months added for each year after 1954. For those born in 1960 and after, it is age 67.

It’s wise to wait until the full retirement age to start collecting to get the highest amount you’re eligible to receive. If it makes sense for your life situation, you can wait even longer and become eligible for delayed retirement credits that increase your monthly payment.

If you wait until you're 70 instead of 62 to collect benefits, you'll get an extra 8% a year. When you reach 70, the increases stop.

3. Sign Up for Spousal Benefits

If you are married and have little earned income, you may be entitled to spousal benefits of up to 50% of your partner’s eligible amount. If you’re at least 62 years old and have a child in your care, you may be eligible to receive benefits through your spouse. The spousal benefit can be as much as 50% of the partner’s benefit, depending on when the partner retires.

Even divorcees are eligible. In fact, both parties in a divorce can claim spousal benefits based on the other spouse’s Social Security earnings. However, if you have remarried, you cannot collect your ex-spouse’s benefits.

4. Receive a Dependent Benefit

If you are retired but still have dependents under age 19, they are entitled to up to 50% of your benefit. This dependent benefit doesn’t decrease the amount of Social Security benefits that a parent can receive. They are added to what the family receives.

5. Monitor Your Earnings

If you continue to work after your Social Security payments begin, keep track of your earnings to ensure they don’t exceed the allowed limit. For 2022, the limit on earned income is $19,560 for recipients below full retirement age (FRA) and $51,960 in the year when you reach full retirement age. For 2023, those numbers rise to $21,240 for those below FRA and $56,520 for the year they reach it.

Your benefit payment is reduced for the year if you exceed these limits. After you have achieved FRA, however, there is no penalty for earned income at any level.

6. Watch for a Tax-Bracket Bump

If you’re still working while receiving benefits, you also have to watch out for tax-bracket creep. Your earnings plus Social Security could put you up a notch in the tax table. If you earn enough more income, of course, the bracket bump-up may not matter compared to the additional cash.

7. Apply for Survivor Benefits

If your deceased spouse (or ex-spouse) was eligible for a higher Social Security payment than you are, you might be eligible for that higher survivor benefit. You might qualify for the higher benefit even if your spouse died before applying for benefits.

If you begin to collect Social Security benefits before you reach full retirement age, not only will you receive a reduced benefit, but after your death, your surviving spouse also receive less.

8. Check for Mistakes

You get a Social Security statement every year. Do not assume it is accurate. Check the numbers and report any errors to the Social Security Administration. Remember, your benefits are based on the average of your 35 highest-earning years. A miscalculation for even one or two of those years could impact your benefit for the rest of your life.

9. Change Your Mind

You may have the right to suspend your benefit, pay back the money you’ve already received, and start collecting benefits again later. You can do this as long as you’ve been receiving benefits for less than a full year.

This could happen if you get a job after you retire or inherit money and decide you can afford to delay filing to get a higher benefit check. You do this by filing Social Security Administration Form 521, Request for Withdrawal of Application. When you file again later, your benefit should be substantially higher.

The Bottom Line

Social Security benefits are a crucial part of retirement planning. You may be entitled to more than you think. Implementing a combination of some of the above strategies can help you boost your monthly check when you start claiming retirement benefits.

Fri, 14 Oct 2022 09:38:00 -0500 en text/html https://www.investopedia.com/articles/retirement/112116/10-social-security-secrets-could-boost-your-benefits.asp
Killexams : How Divorce Impacts Your Military Benefits

Getting divorced is a complex process, and it is especially complicated in the military.

Most pitfalls for service members lie in the division of certain government benefits. There are particular restrictions for veterans that govern how their benefits are split during a divorce, as military or veteran benefits may or may not be distributed.

What Military Benefits Are Considered Marital Property?

A military pension may be considered shared property that must be divided in the event of divorce. In general, marital property that does not meet the criteria of separate property is split at divorce. Property obtained either before or after a divorce is referred to as "separate property." Property acquired during the marriage is usually considered shared property unless it was received as a gift or inherited entirely in the spouse's name.

New federal restrictions in 2017 also altered how pensions are distributed throughout all 50 states. The pension is currently locked in time as of the separation, divorce or annulment date. The purpose of this federal regulation was to prohibit an ex-spouse from receiving a higher-than-normal pension sum. For example, if the service member was a sergeant at the time of the divorce but is now a master sergeant, the ex-spouse will get a portion of the retirement income based on the lower rank.

Some examples of military benefits that would be considered separate property include Combat-Related Special Compensation (CRSC) and VA Disability Compensation. These payments are considered separate property of the retiree and are not split upon divorce because they involve an injury or medical condition and are not retirement benefits. Similarly, Department of Veterans Affairs disability compensation benefits are not subject to divorce since these benefits are viewed as a particular gratuity provided to veterans with disabilities related to their time in the military as recompense for any diseases or injuries they sustained while serving.

The 20/20/20 Rule

The 20/20/20 rule is often brought up during a military divorce when deciding upon an ex-spouse's access to the same benefits as a military spouse. The breakdown of the criteria that make ex-spouses eligible include:

  • Being married for 20 years;
  • The military spouse having served for 20 years; and
  • The 20 years of marriage overlapping the 20 years of military service.

Should the ex-spouse meet all of these requirements, they will receive access to the same benefits as a current military spouse for the remainder of their life, provided they don't remarry. They will still retain their military ID card, which grants them access to base commissaries and military exchanges. Continuation of Tricare benefits for qualifying spouses is not automatic and must be re-registered under their own names and Social Security numbers. Tricare requires applicants to provide original copies of their marriage certificates, divorce decrees and any other papers proving their ex-military spouse's service or retirement.

According to the Tricare website, eligible former spouses have the same Tricare coverage choices as retired family members up until they remarry or sign up for an employer-sponsored health plan.

The 10/10 Rule

Another rule that is often cited during a military divorce when it comes to awarding military pensions is the 10/10 rule. In short, the 10/10 rule states that, if the marriage lasted 10 years and the service member or former service member served in the military for at least 10 years during that time, the former spouse is entitled to pension payments directly from the Defense Finance and Accounting Service (DFAS). The spouse's attorney must ensure that specific language is included in the divorce paperwork.

The rule addresses only the source of payment to the spouse, which is a direct payment. The spouse gets pension-related payments directly from DFAS, which handles payments for the Defense Department. As a result, the ex-spouse is freed from the need to rely on and wait for payments from the retired service member.

The 10/10 rule generally causes confusion when retired military personnel claim that the former spouse is only eligible for military pension benefits if the pair were married for at least 10 years while they were together serving in the military. The 10/10 rule is only used to determine whether the former spouse will receive payments directly from DFAS instead of the service member or veteran. The 10/10 rule is not used to determine whether a former spouse is entitled to a portion of the pension.

The Uniformed Services Former Spouses' Protection Act

The USFSPA is a statute passed by Congress in 1982 to provide financial protection to some ex-spouses of service members. It permits states to divide military disposable retiree pay as marital property in the event of a divorce. Disposable retirement pay is defined as the total monthly retirement pay, minus:

  • Deductions for retirement pay forfeitures following a court-martial;
  • Deductions from a military member's waiver of retirement pay as a requirement for veteran benefits;
  • Amounts equivalent to retirement compensation under U.S. Code Title 10, Chapter 61 Script; and
  • Elective deductions in accordance with U.S. Code Title 10, Chapter 73 Code used for annuities paid to a spouse or ex-spouse in accordance with Title 10, Section 1408 of the U.S. Code.

Further, a former spouse can take out child support or alimony from the military spouse's retired pay; however, it still requires a court order and must pass the 10/10 rule should the award be sent as a direct payment. According to the USFSPA, no more than 65% of a retired military member's pension can be deducted for spousal and child support obligations.

Survivor Benefits Plan Elections

The SBP is an annuity that a retiring service member can elect to ensure that their beneficiary receives a portion of the retired pay after they die. SBP is a specific benefit that the retiree must elect, generally at the time of retirement from active duty or immediately upon receiving their 20-year letter as a reservist, for a spouse, child or anyone with an insurable interest in the retiree.

Even if some service members decide not to sign up for the SBP plan because they have no qualified beneficiaries, they might later get married or have a kid who qualifies for benefits and want to change their election status. Because the reasons for changing one's coverage are few and far between, the SBP election made by service members at the time of retirement is difficult to change. In such a case, a service member would have one year from the date of initial eligibility (marital change, childbirth, etc.) to announce their desire to have their beneficiary covered.

In the case of marriages, there are many different nuances to be aware of, and depending on whether it is a remarriage or not, the election process and coverage amount may be subject to change. To learn more about SBP benefits, check out our article "What You Need to Know About Your SBP Benefits" for more information on your rights and coverage.

Understanding Your Benefits in a Military Divorce

Divorces involving military personnel may be highly complex. It's crucial to know your rights when it comes to your benefits and to seek experienced legal counsel should you have any remaining questions. Even if the marriage lasted fewer than 20 years, the court may nonetheless award a portion of the military member's retirement to the civilian spouse. Every circumstance is unique. In some circumstances, the parties will divide the pension, while in others, one party will cede their pension rights in exchange for other assets after the divorce.

A former first sergeant in the United States Army Reserve and a combat veteran, Anthony Kuhn focuses on the representation of military personnel, federal employees and federal agents at Tully Rinckey, where he is a managing partner.

Know All Your Legal Rights and Benefits

Be aware and get what you are entitled to. Keep up with all the legal benefits available to you as a service member, veteran or spouse and get updates delivered straight to your inbox by subscribing to Military.com.

Show Full Article

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Sun, 18 Sep 2022 20:40:00 -0500 en text/html https://www.military.com/benefits/military-legal-matters/how-divorce-impacts-your-military-benefits.html
Killexams : Social Security Administration increasing benefits for 2023

Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 8.7 percent in 2023.

The announced came via press release Thursday morning.  

On average, Social Security benefits will increase by more than $140 per month starting in January the release said.

The 8.7 percent cost-of-living adjustment begins with benefits payable to more than 65 million Social Security beneficiaries.  Increased payments to more than 7 million SSI beneficiaries will begin on December 30, 2022.

“Medicare premiums are going down and Social Security benefits are going up in 2023, which will give seniors more peace of mind and breathing room.  This year’s substantial Social Security cost-of-living adjustment is the first time in over a decade that Medicare premiums are not rising and shows that we can provide more support to older Americans who count on the benefits they have earned,” Acting Commissioner Kilolo Kijakazi said in a statement.

Some other adjustments that take effect in January of each year are based on the increase in average wages, the release states. Based on that increase, the maximum amount of earnings subject to the Social Security tax will increase to $160,200 from $147,000.

Social Security and SSI beneficiaries are normally notified by mail starting in early December about their new benefit amount.  The fastest way to find out their new benefit amount is to access their personal my Social Security account to view the notice online. 

Beneficiaries may create or access their my Social Security account online at www.ssa.gov/myaccount.

Thu, 13 Oct 2022 01:58:00 -0500 en-US text/html https://www.thetelegraph.com/news/article/social-security-increase-17506359.php
Killexams : Employee Benefits Administration Software Market : Overview With the Best Scope, Trends, Benefits, Opportunities to 2028

The MarketWatch News Department was not involved in the creation of this content.

Sep 30, 2022 (The Expresswire) -- "Employee Benefits Administration Software Market" Insights 2022 By Types, Applications, Regions and Forecast to 2028. The global Employee Benefits Administration Software market size is projected to reach Multimillion USD by 2028, In comparison to 2021, with unexpected CAGR during the forecast period 2022-2028, the Employee Benefits Administration Software Market Report Contains Many pages Including Full TOC, Tables and Figures, and Chart with In-depth Analysis Pre and Post COVID-19 Market Outbreak Impact Analysis and Situation by Region.

The Global Employee Benefits Administration Software market is anticipated to rise at a considerable rate during the forecast period, between 2022 and 2028. In 2021, the market is growing at a steady rate and with the rising adoption of strategies by key players, the market is expected to rise over the projected horizon.

This report focuses on global and United States Employee Benefits Administration Software market, also covers the segmentation data of other regions in regional level and county level.

Due to the COVID-19 pandemic, the global Employee Benefits Administration Software market size is estimated to be worth USD million in 2022 and is forecast to a readjusted size of USD million by 2028 with a Impressive CAGR during the review period. Fully considering the economic change by this health crisis, by Type, Employee Benefits Administration Software accounting for % of the Employee Benefits Administration Software global market in 2021, is projected to value USD million by 2028, growing at a revised % CAGR in the post-COVID-19 period. While by Application, Employee Benefits Administration Software was the leading segment, accounting for over percent market share in 2021, and altered to an % CAGR throughout this forecast period.

The report on the "Employee Benefits Administration Software Market" covers the current status of the market including Employee Benefits Administration Software market size, growth rate, prominent players, and current competitive landscape. It also analyzes future opportunities and forecasts the market assessing the strategies of the key players in terms of merger and acquisitions, RandD investments, technological advancements. The report further provides key exact developments, profiling of key players, and market dynamics. The report further investigates and assesses the current landscape of the ever-evolving business sector and the present and future effects of COVID-19 on the Employee Benefits Administration Software market.

Global Employee Benefits Administration Software Scope and Market Size
Employee Benefits Administration Software market is segmented by region (country), players, by Type and by Application. Players, stakeholders, and other participants in the global Employee Benefits Administration Software market will be able to gain the upper hand as they use the report as a powerful resource. The segmental analysis focuses on revenue and forecast by region (country), by Type and by Application for the period 2017-2028.

Get a demo PDF of report -https://www.360researchreports.com/enquiry/request-sample/18502913

Report Scope and Segmentation:

Report Coverage

Details

Companies Mentioned

PLEXIS Healthcare Systems, BambooHR, Penad Pension Services, RiseSmart, Ultimate Software, Ceridian, Workday, Automatic Data Processing, iSolved HCM, PeopleKeep, Employee Navigator, ThrivePass

By Type

Cloud-based, On-premises

By Applications

Small and Medium Enterprises (SMEs), Large Enterprises

Value Projection

Multimillion USD by 2028

Growth Rate

Impressive CAGR from 2022 to 2028

Forecast Period

2022 to 2028

Price (SUL)

3350 USD

Base Year

2021

Segments Covered

By Type, By Application, By Geography

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Employee Benefits Administration Software Market is further classified on the basis of region as follows:

● North America (United States, Canada and Mexico) ● Europe (Germany, UK, France, Italy, Russia and Turkey etc.) ● Asia-Pacific (China, Japan, Korea, India, Australia, Indonesia, Thailand, Philippines, Malaysia and Vietnam) ● South America (Brazil, Argentina, Columbia etc.) ● Middle East and Africa (Saudi Arabia, UAE, Egypt, Nigeria and South Africa)

This Employee Benefits Administration Software Market Research/Analysis Report Contains Answers to your following Questions

● What are the global trends in the Employee Benefits Administration Software market? Would the market witness an increase or decline in the demand in the coming years? ● What is the estimated demand for different types of products in Employee Benefits Administration Software? What are the upcoming industry applications and trends for Employee Benefits Administration Software market? ● What Are Projections of Global Employee Benefits Administration Software Industry Considering Capacity, Production and Production Value? What Will Be the Estimation of Cost and Profit? What Will Be Market Share, Supply and Consumption? What about Import and Export? ● Where will the strategic developments take the industry in the mid to long-term? ● What are the factors contributing to the final price of Employee Benefits Administration Software? What are the raw materials used for Employee Benefits Administration Software manufacturing? ● How big is the opportunity for the Employee Benefits Administration Software market? How will the increasing adoption of Employee Benefits Administration Software for mining impact the growth rate of the overall market? ● How much is the global Employee Benefits Administration Software market worth? What was the value of the market In 2020? ● Who are the major players operating in the Employee Benefits Administration Software market? Which companies are the front runners? ● Which are the exact industry trends that can be implemented to generate additional revenue streams? ● What Should Be Entry Strategies, Countermeasures to Economic Impact, and Marketing Channels for Employee Benefits Administration Software Industry?

Customization of the Report

Our research analysts will help you to get customized details for your report, which can be modified in terms of a specific region, application or any statistical details. In addition, we are always willing to comply with the study, which triangulated with your own data to make the market research more comprehensive in your perspective.

Inquire more and share questions if any before the purchase on this report at -https://www.360researchreports.com/enquiry/pre-order-enquiry/18502913

Detailed TOC of Global Employee Benefits Administration Software Market Insights and Forecast to 2028

1 Study Coverage
1.1 Employee Benefits Administration Software Product Introduction
1.2 Market by Type
1.2.1 Global Employee Benefits Administration Software Market Size by Type, 2017 VS 2022 VS 2028
1.3 Market by Application
1.3.1 Global Employee Benefits Administration Software Market Size by Application, 2017 VS 2022 VS 2028

1.4 Study Objectives
1.5 Years Considered

2 Global Employee Benefits Administration Software Production
2.1 Global Employee Benefits Administration Software Production Capacity (2017-2028)
2.2 Global Employee Benefits Administration Software Production by Region: 2017 VS 2022 VS 2028
2.3 Global Employee Benefits Administration Software Production by Region
2.3.1 Global Employee Benefits Administration Software Historic Production by Region (2017-2022)
2.3.2 Global Employee Benefits Administration Software Forecasted Production by Region (2023-2028)
2.4 North America
2.5 Europe
2.6 China
2.7 Japan

3 Global Employee Benefits Administration Software Sales in Volume andamp Value Estimates and Forecasts
3.1 Global Employee Benefits Administration Software Sales Estimates and Forecasts 2017-2028
3.2 Global Employee Benefits Administration Software Revenue Estimates and Forecasts 2017-2028
3.3 Global Employee Benefits Administration Software Revenue by Region: 2017 VS 2022 VS 2028
3.4 Global Employee Benefits Administration Software Sales by Region
3.4.1 Global Employee Benefits Administration Software Sales by Region (2017-2022)
3.4.2 Global Sales Employee Benefits Administration Software by Region (2023-2028)
3.5 Global Employee Benefits Administration Software Revenue by Region
3.5.1 Global Employee Benefits Administration Software Revenue by Region (2017-2022)
3.5.2 Global Employee Benefits Administration Software Revenue by Region (2023-2028)
3.6 North America
3.7 Europe
3.8 Asia-Pacific
3.9 Latin America
3.10 Middle East andamp Africa

4 Competition by Manufactures
4.1 Global Employee Benefits Administration Software Production Capacity by Manufacturers
4.2 Global Employee Benefits Administration Software Sales by Manufacturers
4.2.1 Global Employee Benefits Administration Software Sales by Manufacturers (2017-2022)
4.2.2 Global Employee Benefits Administration Software Sales Market Share by Manufacturers (2017-2022)
4.2.3 Global Top 10 and Top 5 Largest Manufacturers of Employee Benefits Administration Software in 2022
4.3 Global Employee Benefits Administration Software Revenue by Manufacturers
4.3.1 Global Employee Benefits Administration Software Revenue by Manufacturers (2017-2022)
4.3.2 Global Employee Benefits Administration Software Revenue Market Share by Manufacturers (2017-2022)
4.3.3 Global Top 10 and Top 5 Companies by Employee Benefits Administration Software Revenue in 2022
4.4 Global Employee Benefits Administration Software Sales Price by Manufacturers
4.5 Analysis of Competitive Landscape
4.5.1 Manufacturers Market Concentration Ratio (CR5 and HHI)
4.5.2 Global Employee Benefits Administration Software Market Share by Company Type (Tier 1, Tier 2, and Tier 3)
4.5.3 Global Employee Benefits Administration Software Manufacturers Geographical Distribution
4.6 Mergers andamp Acquisitions, Expansion Plans

Get a demo Copy of the Employee Benefits Administration Software Market Report 2022

5 Market Size by Type
5.1 Global Employee Benefits Administration Software Sales by Type
5.1.1 Global Employee Benefits Administration Software Historical Sales by Type (2017-2022)
5.1.2 Global Employee Benefits Administration Software Forecasted Sales by Type (2023-2028)
5.1.3 Global Employee Benefits Administration Software Sales Market Share by Type (2017-2028)
5.2 Global Employee Benefits Administration Software Revenue by Type
5.2.1 Global Employee Benefits Administration Software Historical Revenue by Type (2017-2022)
5.2.2 Global Employee Benefits Administration Software Forecasted Revenue by Type (2023-2028)
5.2.3 Global Employee Benefits Administration Software Revenue Market Share by Type (2017-2028)
5.3 Global Employee Benefits Administration Software Price by Type
5.3.1 Global Employee Benefits Administration Software Price by Type (2017-2022)
5.3.2 Global Employee Benefits Administration Software Price Forecast by Type (2023-2028)

6 Market Size by Application
6.1 Global Employee Benefits Administration Software Sales by Application
6.1.1 Global Employee Benefits Administration Software Historical Sales by Application (2017-2022)
6.1.2 Global Employee Benefits Administration Software Forecasted Sales by Application (2023-2028)
6.1.3 Global Employee Benefits Administration Software Sales Market Share by Application (2017-2028)
6.2 Global Employee Benefits Administration Software Revenue by Application
6.2.1 Global Employee Benefits Administration Software Historical Revenue by Application (2017-2022)
6.2.2 Global Employee Benefits Administration Software Forecasted Revenue by Application (2023-2028)
6.2.3 Global Employee Benefits Administration Software Revenue Market Share by Application (2017-2028)
6.3 Global Employee Benefits Administration Software Price by Application
6.3.1 Global Employee Benefits Administration Software Price by Application (2017-2022)
6.3.2 Global Employee Benefits Administration Software Price Forecast by Application (2023-2028)

7 Employee Benefits Administration Software Consumption by Regions
7.1 Global Employee Benefits Administration Software Consumption by Regions
7.1.1 Global Employee Benefits Administration Software Consumption by Regions
7.1.2 Global Employee Benefits Administration Software Consumption Market Share by Regions

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8.1 North America
8.1.1 North America Employee Benefits Administration Software Consumption by Application
8.1.2 North America Employee Benefits Administration Software Consumption by Countries

9.2 United States
9.2.1 Canada
9.2.2 Mexico

10.1 Europe
10.1.1 Europe Employee Benefits Administration Software Consumption by Application
10.1.2 Europe Employee Benefits Administration Software Consumption by Countries
10.1.3 Germany
10.1.4 France
10.1.5 UK
10.1.6 Italy
10.1.7 Russia

11.1 Asia Pacific
11.1.1 Asia Pacific Employee Benefits Administration Software Consumption by Application
11.1.2 Asia Pacific Employee Benefits Administration Software Consumption by Countries
11.1.3 China
11.1.4 Japan
11.1.5 South Korea
11.1.6 India
11.1.7 Australia
11.1.8 Indonesia
11.1.9 Thailand
11.1.10 Malaysia
11.1.11 Philippines
11.1.12 Vietnam

12.1 Central and South America
12.1.1 Central and South America Employee Benefits Administration Software Consumption by Application
12.1.2 Central and South America Employee Benefits Administration Software Consumption by Countries
12.1.3 Brazil

13.1 Middle East and Africa
13.1.1 Middle East and Africa Employee Benefits Administration Software Consumption by Application
13.1.2 Middle East and Africa Employee Benefits Administration Software Consumption by Countries
13.1.3 Turkey
13.1.4 GCC Countries
13.1.7 Egypt
13.1.6 South Africa

14 Corporate Profiles

14.1.1 Corporation Information
14.1.2 Overview
14.1.3 Employee Benefits Administration Software Sales, Price, Revenue and Gross Margin (2017-2022)
14.1.4 Employee Benefits Administration Software Product Model Numbers, Pictures, Descriptions and Specifications
14.1.7 exact Developments

15 Industry Chain and Sales Channels Analysis
15.1 Employee Benefits Administration Software Industry Chain Analysis
15.2 Employee Benefits Administration Software Key Raw Materials
15.2.1 Key Raw Materials
15.2.2 Raw Materials Key Suppliers
15.3 Employee Benefits Administration Software Production Mode andamp Process
15.4 Employee Benefits Administration Software Sales and Marketing
15.4.1 Employee Benefits Administration Software Sales Channels
15.4.2 Employee Benefits Administration Software Distributors
15.7 Employee Benefits Administration Software Customers

16 Market Drivers, Opportunities, Challenges and Risks Factors Analysis
16.1 Employee Benefits Administration Software Industry Trends
16.2 Employee Benefits Administration Software Market Drivers
16.3 Employee Benefits Administration Software Market Challenges
16.4 Employee Benefits Administration Software Market Restraints

17 Key Finding in The Global Employee Benefits Administration Software Study

18 Appendix
18.1 Research Methodology
18.1.1 Methodology/Research Approach
18.1.2 Data Source
18.2 Author Details
18.3 Disclaimer

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Killexams : Social Security Benefits: When should you report changes to the Administration?

Social Security benefits help millions of citizens across the United States. There are generally four broad categories of social security benefits with several Americans claiming either one or more of these benefits.

The four categories are designed to help those who have already retired, those with qualifying disabilities, survivors of workers who have died, and finally dependents of beneficiaries.

Who qualifies for Social Security Benefits?

Social Security Retirement Benefits

Those workers who have worked for a significant amount of time, usually a minimum of ten years, are entitled to retirement benefits. Individuals must either work at a nongovernmental job, where they pay FICA taxes, or for themselves, and pay self-employment taxes.

It is also important to note that if one starts claiming benefits before they reach full retirement age, Social Security will reduce the amount of your benefits by a certain percentage.

Social Security Disability Benefits (SSDI)

In order to receive these benefits one must have a physical or mental impairment that prevents them from working full-time. If Social Security determines that an individual is disabled under its medical guidelines, they are entitled to receive benefits roughly equal to what their full retirement benefits would have been.

Social Security Dependents Benefits

This benefit is straight forward to understand, irrespective of whether or not someone depends on their spouse for support, they might be entitled to receive benefits from the earning's record of their retired or disabled spouse.

Social Security Survivors Benefits

The surviving spouses of workers who qualified for Social Security retirement or disability benefits, you are entitled to benefits based on your deceased spouse's earnings record.

Same-Sex Spouses Eligibility for Social Security Benefits

On June 26, 2015, the US Supreme Court also decreed that same-sex couples have a constitutional right to marry in all states, meaning that the aforementioned benefits apple to same-sex couples as well.

What changes should be reported?

All major life changes such as the death of a spouse, divorce from a spouse, a change in address or living arrangement, income, and changes in residency status must be reported to the government in order to ensure that there is no change in the benefits you receive.

Wed, 05 Oct 2022 20:35:00 -0500 en text/html https://www.marca.com/en/lifestyle/us-news/personal-finance/2022/09/27/6332a93846163faa978b4579.html
Killexams : Social Security announces biggest benefit hike since 1981. Here's when you'll get it.

Every fall, the Social Security Administration makes an announcement that has a major impact on the 66 million people who receive benefit checks. The annual inflation adjustment is aimed at keeping seniors from losing purchasing power.

The agency on Thursday said its 2023 cost-of-living adjustment, or COLA, will be 8.7%, the highest since 1981. The Social Security Administration bases its COLA on the inflation rate during the third quarter, or July through September — with the government earlier on Thursday saying that inflation in September jumped 8.2%.

The Social Security Administration said the average monthly benefit will rise by more than $140 a month, with the typical payment jumping from $1,681 to $1,827.

"That is going to be the highest COLA since 1981," said Mary Johnson, Social Security and Medicare policy analyst at The Senior Citizens League, an advocacy group for older Americans. 

Yet some seniors are worried the 2023 increase may not cover the rise is cost they've seen in all their expenses — spiraling inflation with which a 2022 COLA has failed to keep pace. Seniors in 2022 received a 5.9% cost-of-living adjustment, but inflation has soared above that every month this year, touching a high of 9.1% in June. 

About Social Security isn't only a program for older Americans. It also provides benefits for about 9 million disabled workers and their dependents, as well as 6 million widows, widowers and children, with the latter known as "survivors benefits."

What is the cost-of-living adjustment? 

In the 1970s, lawmakers put in place an automatic annual benefits increase for Social Security beneficiaries that boosts payments to keep up with inflation. 

Prior to that, Congress had to authorize increases to keep up with inflation, which meant that sometimes several years would pass before seniors received a benefit increase. 

Does the COLA accurately reflect the inflation that's impacting seniors? 

Some advocates say that it is falling behind, partly because the formula used by the Social Security Administration relies on an inflation measure called the Consumer Price Index for Urban Wage Earners and Clerical Workers, or CPI-W. 

Some seniors and their advocates have argued that the CPI-W doesn't accurately reflect the price pressures facing older Americans. 

The CPI-W gives greater weight to gasoline and transportation costs, which are expenditures more common among workers who commute than retirees. It also puts less weight on medical costs, which are typically higher for older Americans. 

How does this year's COLA compare to prior years?

The 8.7% hike for 2023 is the biggest since 1981, which is when the U.S. was experiencing another bout of high inflation. 

That year, seniors got a benefit boost of 11.2%. There are only two other years when seniors received COLAs bigger than this year's increase: 1980, when benefits got a 14.3% hike, and 1979, when benefits rose by 9.9%.

There have also been several years when beneficiaries received no bump at all, such as in 2009 and 2010, when the COLA was 0% due to flatlining inflation during the post-financial crisis years.

Will medical costs eat into the 2023 COLA?

There's some good news on this front. 

Medicare, the health insurance plan for older Americans, last month said it would drop its premiums next year by about 3% for its Medicare Part B plan.

That's important because Medicare's Part B plan, which covers routine doctor visits and other outpatient care, boosted its premiums in 2022 by 14.5%, an increase that ate up much of the cost-of-living adjustment seniors received in their Social Security checks. 

The typical Part B premium will decrease by $5.20 a month, trimming the standard monthly premium to $164.90. About 85% to 90% of Americans on the government health insurance program pay the standard rate, with the premium deducted directly from their Social Security checks.

Another piece of good news is the insulin price cap for Medicare beneficiaries, which is directed by the Inflation Reduction Act. Starting in 2023, seniors on Medicare won't pay more than $35 a month for the medication. 

However, one of the Inflation Reduction Act's most impactful provisions for medical costs — a cap of $2,000 per year on out-of-pocket spending on drugs — won't go into effect until 2025, which means some seniors could still face higher medication costs and out-of-pocket expenses in 2023.

What month will I get the COLA increase?

Even though the Social Security Administration announced the adjustment this week, seniors and others on the program will have to wait until January to receive their higher payments. 

While the COLA will actually go into effect with the December 2022 benefits, those payments will be made in January 2023. 

Your January 2023 check will be sent based on your birth date:

  • If your birthday falls on the 1st to 10th of the month, your payments arrive on the second Wednesday of the month. That means the first check with the 2023 COLA will land on January 11.
  • If your birthday falls on the 11th to 20th, your payments come on the third Wednesday of each month. Your first 2023 COLA will arrive with your January 18 benefit.
  • If your birthday falls on the 21st to 31st, your payments are scheduled for the fourth Wednesday of each month. Your first 2023 COLA will arrive with your January 25 check.
Wed, 12 Oct 2022 20:51:00 -0500 en-US text/html https://www.cbsnews.com/news/social-security-cola-increase-2023-when-you-will-get-it/
Killexams : Will Moving Affect My Social Security Benefit?

Retirement means you're no longer tied to a job, and that could also mean you're no longer tied to the city you call home. If you want to move to enjoy better weather or more affordable living costs, you can do that. But moving brings its obstacles, especially for seniors who are already living on a fixed income.

They may wonder how their move will affect their budget, including their Social Security benefits. Fortunately, this doesn't affect people's Social Security checks in most cases. However, there are three exceptions discussed below.

Image source: Getty Images.

Moving to another state could affect how much you pay in taxes on your benefits

The federal government taxes some of the benefits of all Social Security beneficiaries if their provisional income -- adjusted gross income (AGI), plus any nontaxable interest and half your annual Social Security benefit -- exceeds $25,000 for single adults or $32,000 for married couples. But things are much different at the state level.

People are also reading…

Only 12 states currently tax the Social Security benefits of their residents, and each has its own formula for determining who owes and how much they'll pay. While many won't owe any benefit taxes, those who do need to budget for this so they don't face surprises at tax time.

Seniors moving from a state that doesn't tax benefits to one that does may have to get by on less each year, while those moving from a state that taxes benefits to one that doesn't may have some extra cash to play with.

It's a good idea to review how the state you're moving to handles Social Security benefit taxes to find out if you'll owe anything. Check with the state department of taxation to learn more. And if you have any questions, reach out to an accountant who is familiar with your chosen state's tax laws.

Moving to another country could render you ineligible for benefits

The Social Security Administration pays monthly benefits to qualifying people living abroad in many countries, but there are a few countries it won't pay benefits to, including:

  • Azerbaijan
  • Belarus
  • Cuba
  • Kazakhstan
  • Kyrgyzstan
  • Moldova
  • North Korea
  • Tajikistan
  • Turkmenistan
  • Uzbekistan

If you move to one of the countries above, you may be able to qualify for an exemption that will enable you to claim benefits while living there. But you might have to agree to more restricted payment conditions. Contact the Social Security Administration to learn more.

If you don't qualify for an exemption, you won't be able to receive Social Security benefits while living in the above countries. However, if you later move to another country that's not on the above list, the Social Security Administration will pay you all the benefits it previously withheld and then resume regular monthly payments.

Moving to another state could affect your Supplemental Security Income (SSI)

Supplemental Security Income (SSI) is a monthly benefit administered by the Social Security Administration, but it's not funded by Social Security taxes. It's available to blind and disabled people, as well as seniors 65 or older who demonstrate significant financial need.

The federal maximum SSI benefit for 2022 is $841 per month for a single adult and $1,261 for a couple. But all states, excluding Arizona, Arkansas, Mississippi, North Dakota, Tennessee, and West Virginia, provide additional SSI benefits to their qualifying residents.

Seniors receiving SSI benefits could find that their monthly checks either grow or shrink, depending on how the supplement their new state provides compares to the one their old state offered.

Make sure you notify the Social Security Administration

Make sure to update your address and, if necessary, your bank account information, with the Social Security Administration. You can do this from your my Social Security account, by calling the Social Security Administration, or by visiting your nearest Social Security office. Do this as soon as possible after you've moved to avoid disruptions to your benefits.

The $18,984 Social Security bonus most retirees completely overlook

If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known "Social Security secrets" could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $18,984 more... each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we're all after. Simply click here to discover how to learn more about these strategies.

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Thu, 15 Sep 2022 03:01:00 -0500 en text/html https://tulsaworld.com/business/investment/personal-finance/will-moving-affect-my-social-security-benefit/article_24ce9b29-557f-53cd-8dfd-babbfafa07f9.html
Killexams : The Biden administration's plan for student debt relief could benefit all 50 states The Biden administration's plan for student debt relief could benefit all 50 states © Provided by WTAJ Altoona The Biden administration's plan for student debt relief could benefit all 50 states

UNITED STATES (WTAJ) – On Tuesday, Sept. 20 the White House released state-by-state data on how the Biden Administration’s plan for student debt relief will benefit all 50 states.

Last month, President Biden announced his Administration's plan to give working and middle-class Americans more breathing room by providing up to $20,000 in debt relief to Pell Grant recipients and up to $10,000 to other borrowers.

The Biden Administration expects that over 40 million borrowers are eligible for its student debt relief plan, and nearly 20 million borrowers could see their entire remaining balance discharged.

The Biden Administration's student debt relief plan will help borrowers and families recover from the pandemic and prepare to resume student loan payments in January 2023. Nearly 90% of relief dollars will go to those earning less than $75,000 per year – and no relief will go to any individual or household in the top 5% of incomes in the United States.

By targeting relief to borrowers with the highest economic need, the Administration's actions are also likely to help narrow the racial wealth gap. Nearly 71% of Black undergraduate borrowers are Pell Grant recipients, and 65% of Latino undergraduate borrowers are Pell Grant recipients.

Get daily updates on local news, weather and sports by signing up for the WTAJ Newsletter

In the coming weeks, the Department of Education will release additional details on how individuals across the country can benefit from the Administration's student debt relief plan. For more information, visit the government’s Student Aid website.

Copyright 2022 Nexstar Media Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

For the latest news, weather, sports, and streaming video, head to WTAJ - www.wearecentralpa.com.

Tue, 20 Sep 2022 08:20:00 -0500 en-US text/html https://www.msn.com/en-us/money/careersandeducation/the-biden-administration-s-plan-for-student-debt-relief-could-benefit-all-50-states/ar-AA123qp6
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