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| Disability Benefits |
| Disability benefits are payable at any age to people who have earned 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. The disability program includes incentives to smooth the transition back
into the workforce, including continuation of benefits and health care coverage while a person attempts to work.
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| Survivors Benefits |
| When a worker dies, certain members or his or her family may be eligible for benefits if the worker earned enough Social Security
credits while they were working. The younger a person is, the fewer credits are needed to be eligible for survivors benefits.
However, nobody needs more than 40 credits (10 years of work) to be eligible for any Social Security benefits. 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; children
if they are unmarried and under age 18, under 19 but still in school or 18 or older but disabled; and parents if the worker
was their primary means of support. A special one-time payment of $255 may be made to a worker's spouse or minor children.
If the worker was divorced, their ex-spouse could be eligible for a widow or widower's benefit.
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| To contact the Social Security Administration, call (800) 772-1213 (TTY (866) 545-7316) 7 a.m. - 7 p.m. on business days;
automated phone service is available 24 hours a day.
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