Social Security in Prestonsburg: What You Need to Know (2023)

Prestonsburg Social Security Office provides most of its services online. However, you can schedule an appointment by calling the office for matters concerning Social Security benefits, including retirement, disability, SSI, and Medicare. Although that sounds like a simplified plan, it can be difficult to keep up with all the eligibility requirements of the specific service you are seeking.

For this reason, we've compiled everything you need to know about Social Security in Prestonsburg to guide you through your application for social security services and benefits, including where to find help.

To begin with, here's a brief overview of what social security is.

Social Security Overview

Social security is a program run by the federal government to provide benefits to qualified retirees and disabled people and their spouses, children, and survivors. These benefits are taxes paid into a trust fund financed through a dedicated payroll tax.

The social security program was purposely created to:

  • Cater to the material needs of families and individuals.
  • Help aging and disabled individuals finance their health expenses without using up their savings.
  • Take care of seniors after retirement.
  • Provide for the families of workers when they become disabled or die.

Social Security Retirement Benefits Explained

When you get employed, you pay 6.2% social security tax while your employer pays another 6.2% on your behalf. So if you're self-employed, you'll pay 12.4% social security tax from the self-employment earnings. This money is tracked using your social security number.

Your contributions will accumulate into what SSA calls "quarters" or "credits." Each quarter is equivalent to $1470 (adjusted to $1,510 in 2022), and you'll need 40 quarters to qualify for the benefits. Additionally, a person can earn up to 4 quarters in a year. That means you must have worked for at least 10 years to make the total of 40 quarters required for these benefits.

What Are Social Security Survivor Benefits?

Social security survivors' benefits are usually paid to widowers, widows, or dependents of eligible workers. For instance, a surviving spouse may be eligible for full benefits if they've reached full retirement age.

What Are Social Security Disability Benefits?

Social Security Disability Benefits is a type of financial assistance offered to individuals with disabilities.

Social Security Benefits Application Denied - What to Do next?

The process of obtaining social security benefits isn't usually straightforward for some individuals, even the eligible ones. As a result, it's not rare to come across individuals who've been denied social security benefits but have never considered filing an appeal or contacting a lawyer.

In fact, statistics show that between 2008 and 2017, the social security disability claims denial rate stood at 64%, meaning that a majority of initial social security applications are often denied.

But not to worry - there's hope.

In Prestonsburg, KY, and many other cities and states across the US, social security applicants have up to 60 days to appeal the decision after initial denial. This could be the beginning of a lengthy legal struggle.

Here's how the whole process works.

Requesting for Reconsideration

Suppose your initial application for social security benefits was denied. In that case, the next step is to request for reconsideration through the Social Security Administration.

To do this, head over to the Social Security Administration website and download Form SSA-561, also known as Request for Reconsideration.

This request basically informs the government of your intention to have your application reviewed by another claims examiner. However, there's still a chance that you may be denied. And when that happens, the next step comes in handy.

Requesting a Hearing

This step involves requesting a hearing with an Administrative Law Judge (ALJ). During the hearing, you'll be required to prove that you deserve the social security benefits you applied for. You can also request legal representation during the hearing.

That's where Morgan & Morgan social security lawyers come in to fight for your right to live a comfortable life despite the challenges.

The Appeals Council Option

If an ALJ denies your request for hearing, you may have to file a third appeal to the Appeals Council.

The bottom line is that the entire process is stressful and tiring at the same time. However, when you consult an experienced social security attorney from a reputable law firm like Morgan & Morgan, things are different.

How Morgan & Morgan Social Security Attorneys Can Help

Given that more than 60% of social security disability applications are usually denied, it's always advisable to work with an attorney during your initial application.

The social security administration is currently battling a huge backlog, and the waiting times have significantly increased, especially since the coronavirus lockdown. The last thing you want to experience is a denied application due to a technicality, typo, or any other avoidable mistake in your application.

For this reason, hiring a social security attorney makes a huge difference in your application. Such an attorney will help gather important information for your claim, ensuring that you meet all the requirements for social security benefits.

How It Works

When you contact Morgan & Morgan's social security attorneys, they'll listen to you and prepare your claim. This process involves gathering important documents and other relevant information to support your application for social security benefits.

These documents may include:

  • Military service information.
  • Tax paperwork.
  • Medical history.
  • Addresses and phone numbers.
  • Marriage certificates.
  • Medication history.
  • Prior employment history.

Among others.

Our attorney will then file your application to the Social Security Administration and notify you if they need anything else. And that's not all; Morgan & Morgan social security lawyers will constantly communicate with the SSA to keep track of your claim.

This is especially important if you have a busy lifestyle, disability, or other reasons that would prevent you from staying on the phone line for long hours.

If approved, the next stage is finalizing your claim. Then, the attorney will review the SSA's calculations, ensuring that the figures are all correct.

An appeal will be filed if the attorney discovers that the figures are incorrect or if the application was denied.

Prestonsburg Social Security Eligibility Requirements Explained

One of the reasons why social security benefits applications usually have high denial rates is because some applicants don't meet the eligibility requirements. And considering the complexity of the requirements, most people don't even bother to reapply.

Here's everything you need to know about qualifying for social security benefits in Prestonsburg, Kentucky, and other cities and states across the country.

If you're a worker, you can be eligible for social security benefits if you:

  • Are 62 years or older.
  • Are disabled.
  • Are blind.
  • Are 'Insured'.

'Insured' is a term used to describe an individual who meets the 'work credits' explained earlier in this article.

For example, to qualify for most types of benefits, such as retirement or benefits based on blindness, you must have earned at least one work credit for each calendar year between age 21 and the year you turned 62 or became blind or disabled. This should build up to a maximum of 40 credits.

However, you'll be required to have a minimum of six work credits regardless of age.

On the other hand, if you plan on applying for Social Security benefits based on another disability, other than blindness, the rules are slightly different. First, your age determines the number of work credits you need for disability benefits.

Generally, you'll need to have 20 work credits earned within the last 10 years until the year you became disabled. And if you're a younger worker, you may qualify for social security benefits with fewer credits.

Here's a complete breakdown of the eligibility structure.

Before Turning 24

You can qualify for social security benefits if you have six work credits earned in the three-year period ending when your disability started.

Between Age 24 and 31

You may be eligible for social security benefits if you've worked half the time between age 21 and the time of the disability.

For instance, if you become disabled at age 27, you would need 12 work credits earned in the past six years (between age 21 and 27).

Here's a summary of work credits required for social security benefits for individuals born after 1929.

  • Age 31 through 42: 20 work credits required
  • Age 44: 22 credits.
  • Age 46: 24 credits.
  • Age 48: 26 credits.
  • Age 50: 28 credits.
  • Age 52: 30 credits.
  • Age 54: 32 credits.
  • Age 56: 34 credits.
  • Age 58: 36 credits.
  • Age 60: 38 credits.
  • 62 and above: 40 credits.

As you can see, social security laws can be a little bit complicated. Things can get even more complicated if you have a disability.

To prove your disability, the SSA examines the following factors.

Your Employment Status

You won't be approved for disability if you earn more than a specified amount every month. However, even if you earn less, the SSA will still take a comprehensive review of your medical condition to determine the severity of the disability.

The Severity of the Disability

The SSA only considers disabilities that prevent you from conducting basic work functions for a period lasting not less than a year. But the screening process doesn't end there.

Is the Medical Condition Actually Disabling?

The SSA has a list of illnesses that qualify for disability. Examples include:

  • Mental health disorders, such as depression, anxiety, schizophrenia, panic attacks, post-traumatic stress disorder, etc.
  • Skin disorders such as ichthyosis, burns, and psoriasis.
  • Immune system disorders, such as HIV/AIDS.
  • Musculoskeletal conditions such as back and spin problems, amputations, fibromyalgia, etc.
  • Cardiovascular problems.
  • Sensory and speech impairment.
  • Malignant neoplastic disorders such as lymphoma, cancer, etc.

Check out the full list of adult impairments that qualify for social security benefits here.

When You Need a Social Security Attorney in Prestonsburg

John Morgan, the founder of Morgan & Morgan, grew up in Kentucky. As a result, he developed a deep connection with the people of the Bluegrass State, eventually setting up Morgan & Morgan offices in Prestonsburg, Bowling Green, Lexington, Louisville, Owensboro, and Paducah to serve the hard-working locals.

So if you live in Prestonsburg or the surrounding areas in Kentucky and you need a reliable, qualified, and experienced social security attorney to fight for you, call Morgan & Morgan offices in Prestonsburg at (606) 886-6161 to schedule a free, no-obligation case evaluation! It doesn't matter if you're filing for social security benefits the first time or appealing a rejected application; Morgan & Morgan attorneys will help you through the entire process!


Where can I find answers to Social Security questions? ›

Please call us toll-free at 1-800-772-1213 (TTY 1-800-325-0778) for assistance. Representatives are available between 8a.m. and 7p.m., Monday through Friday.

What are some Social Security questions? ›

General Retirement Questions
  • What is the maximum Social Security retirement benefit payable?
  • How do I apply for Social Security retirement benefits?
  • At what age should I start receiving my Social Security retirement benefits?
  • What is full retirement age?
  • Will unemployment benefits affect my Social Security benefits?

What should you not say in a disability interview? ›

Exaggerating the extent of your disability will not improve the odds that your application is approved. In fact, claimants who complain of chronic pain that is untreatable might make a poor impression on the ALJ. Inflated claims of pain are never a good idea during a disability hearing.

How much money can you have in the bank on Social Security retirement? ›

SSA limits the value of resources you own to no more than $2,000. The resource limit for a couple is only slightly more at $3,000. Resources are any assets that can be converted into cash, including bank accounts. However, some assets you own may not affect eligibility for the program.

What questions are asked during a Social Security interview? ›

4 Common Social Security Disability Interview Questions
  • When did your conditions become disabling? The SSA will ask you when your condition became so severe that you could not continue working. ...
  • What is your work history? ...
  • What is your medical history? ...
  • What is your marital status and household information?
Dec 2, 2021

What changes are coming to Social Security in 2023? ›

The most impactful change in 2023 is the 8.7% cost of living adjustment, or COLA, which takes effect this month. For instance, if you receive $2,000 a month from Social Security, the monthly payout will rise to $2,174 per month.

How do I get the $16728 Social Security bonus? ›

To acquire the full amount, you need to maximize your working life and begin collecting your check until age 70. Another way to maximize your check is by asking for a raise every two or three years. Moving companies throughout your career is another way to prove your worth, and generate more money.

How do I pass a Social Security review? ›

How to Pass a Continuing Disability Review (7 Easy Ways)
  1. Hire an Experienced Social Security Disability Attorney. ...
  2. Follow Your Medical Treatment Protocol. ...
  3. Maintain Communication with Your Doctors. ...
  4. Keep Copies of Accurate and Complete Medical Documentation. ...
  5. Submit All New Medical Evidence Before the Review.
Feb 9, 2023

How much do you get monthly for Social Security? ›

The amount you are entitled to is modified by other factors, most crucially the age at which you claim benefits. For reference, the average Social Security retirement benefit in 2023 is an estimated $1,827 a month.

What is the 5 10 rule Social Security? ›

You must have worked and paid Social Security taxes in five of the last 10 years. If you also get a pension from a job where you didn't pay Social Security taxes (e.g., a civil service or teacher's pension), your Social Security benefit might be reduced.

What is the Social Security 5 year rule? ›

The Social Security disability five-year rule allows people to skip a required waiting period for receiving disability benefits if they had previously received disability benefits, stopped collecting those benefits and then became unable to work again within five years.

What is the most approved disability? ›

What Is the Most Approved Disability? Arthritis and other musculoskeletal system disabilities make up the most commonly approved conditions for social security disability benefits. This is because arthritis is so common. In the United States, over 58 million people suffer from arthritis.

What is a doctor's statement for Social Security disability? ›

A medical source statement is a form completed by your doctor summarizing how limited you are physically and mentally as a result of your conditions. This document will help the SSA determine whether you are disabled.

What not to say to Social Security doctor? ›

To best support your SSDI or SSI claim, you should never:
  • Say You Are Okay. Do not tell the doctor you are “okay,” “fine,” or “pretty good” when you are there for an assessment of your condition. ...
  • Tell Them You Are Not in Pain. ...
  • Downplay Your Condition. ...
  • Exaggerate Your Symptoms or Disabilities. ...
  • Give Your Opinion.

Does my bank account affect my Social Security benefits? ›

The amount of money that you have in the bank may affect your ability to qualify for or continue to receive Social Security disability benefits .

Does Social Security check your bank account? ›

The Social Security Administration can only check your bank accounts if you have allowed them to do so. For those receiving Supplemental Security Income (SSI), the SSA can check your bank account because they were given permission.

Am I allowed to have a savings account on Social Security? ›

While there are certain financial factors that can disqualify someone from Social Security eligibility, having a savings account is not one of those factors.

How long does a Social Security interview last? ›

The interview will take place either in your local Social Security office or by telephone. It will take at least 1 hour. * What can I do to speed up the process? You can cut your interview time in half by starting the process online.

What do I need to bring to my Social Security interview? ›

Your Social Security card or a record of your number. Your original birth certificate, a copy certified by the issuing agency, or other proof of your age. We must see the original document(s), or copies certified by the agency that issued them. We cannot accept photocopies or notarized copies.

What happens during Social Security interview? ›

Work, Income, Assets

A major topic during your SSI interview will be work. You'll have to present information about all of the jobs you've held in the last 15 years as well as the skills that they each involved. The examiners will think about your employability before arriving at a decision.

What is the maximum amount you can earn while collecting Social Security in 2023? ›

In 2023, if you're under full retirement age, the annual earnings limit is $21,240. If you will reach full retirement age in 2023, the limit on your earnings for the months before full retirement age is $56,520.

What age do you stop paying taxes on Social Security? ›

Key Takeaways. Social Security benefits may or may not be taxed after 62, depending in large part on other income earned. Those only receiving Social Security benefits do not have to pay federal income taxes.

What is the highest Social Security payment for 2023? ›

The maximum benefit depends on the age you retire. For example, if you retire at full retirement age in 2023, your maximum benefit would be $3,627. However, if you retire at age 62 in 2023, your maximum benefit would be $2,572.

Who gets the $1657 from Social Security? ›

The checks worth $1,657 are only for Social Security recipients, not the general public. The Sun newspaper mentions that later in its story but not in the misleading headline.

What is the secret Social Security bonus? ›

What Is the Social Security Bonus? There is no specific “bonus” retirees can collect from the Social Security Administration. For example, you're not eligible to get a $5,000 bonus check on top of your regular benefits just because you worked in a specific career. Social Security doesn't randomly award money to people.

What is the first year rule for Social Security benefits? ›

That's why there is a special rule that applies to earnings for 1 year, usually the first year of retirement. Under this rule, you can get a full Social Security check for any whole month you're retired, regardless of your yearly earnings.

What does it mean when Social Security sends you to a doctor? ›

Sometimes, the employees there need more information before they can decide if you have a disability under Social Security law. If so, they ask you to have a special exam or medical test that we'll pay for. We'll also pay for certain related travel expenses.

How long does it take for Social Security retirement to review your application? ›

Benefit applications can take up to three months to process, so apply three months before your planned start date. If you are drawing spousal or survivor benefits on another person's earnings record, your payment date depends on that person's birthday and follows the schedule above.

How often do you get reviewed on Social Security? ›

If improvement is possible, but can't be predicted, we'll review your case about every three years. If improvement is not expected, we'll review your case every seven years. Your initial award notice will tell you when you can expect your first medical review.

Do you get Social Security if you never worked? ›

The only people who can legally collect benefits without paying into Social Security are family members of workers who have done so. Nonworking spouses, ex-spouses, offspring or parents may be eligible for spousal, survivor or children's benefits based on the qualifying worker's earnings record.

What is the lowest amount of Social Security? ›

Under the special minimum benefit, the lowest minimum primary insurance amount you can qualify for in 2023, with at least 11 years of work, is $49.40 per month. The full minimum primary insurance amount, which you can qualify for with at least 30 years of work, is $1,033.50 per month.

How can I increase my Social Security benefits? ›

Below are the nine ways to help boost Social Security benefits.
  1. Work for 35 Years. ...
  2. Wait Until at Least Full Retirement Age. ...
  3. Sign Up for Spousal Benefits. ...
  4. Receive a Dependent Benefit. ...
  5. Monitor Your Earnings. ...
  6. Watch for a Tax-Bracket Bump. ...
  7. Apply for Survivor Benefits. ...
  8. Check for Mistakes.

What percentage should I have taken out of my Social Security? ›

The Social Security portion (OASDI) is 6.20% on earnings up to the applicable taxable maximum amount (see below). The Medicare portion (HI) is 1.45% on all earnings.

How is your Social Security calculated? ›

Social Security benefits are typically computed using "average indexed monthly earnings." This average summarizes up to 35 years of a worker's indexed earnings. We apply a formula to this average to compute the primary insurance amount (PIA). The PIA is the basis for the benefits that are paid to an individual.

What happens if you don't have enough money to retire? ›

Without savings, it will be difficult to maintain in retirement the same lifestyle that you had in your working years. You may need to make adjustments such as moving into a smaller home or apartment; forgoing extras such as cable television, an iPhone, or a gym membership; or driving a less expensive car.

Is it better to take Social Security at 62 or 67? ›

You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits when you reach your full retirement age. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.

Will I get Social Security if I work 10 years? ›

If you've worked and paid Social Security taxes for 10 years or more, you'll get a monthly benefit based on that work.

What disabilities are hard to prove? ›

Mental disorders such as depression, anxiety and post-traumatic stress disorder are qualifying disabilities that are difficult to prove. Having a long history of medical treatments and contact with a mental health practitioner can improve your case.

What is the easiest disability to get? ›

Tinnitus, otherwise known as “Ringing-in-the-Ear-Syndrome” is by far the #1 easiest VA disability to claim. Tinnitus is when you experience ringing, hissing, buzzing, or other noises in one or both of your ears.

What not to say in a disability interview? ›

5 Things Not to Say in a Disability Interview
  • No one will hire me; I can't find work. ...
  • I am not under medical treatment for my disability. ...
  • I have a history of drug abuse or criminal activity. ...
  • I do household chores and go for walks. ...
  • My pain is severe and unbearable. ...
  • Legal Guidance When SSDI Benefits Are Denied.

How do I prove that I am disabled? ›

Statements, records or letters from a Federal Government agency that issues or provides disability benefits. Statements, records or letters from a State Vocational Rehabilitation Agency counselor. Certification from a private Vocational Rehabilitation or other Counselor that issues or provides disability benefits.

What do you say when applying for disability? ›

Most importantly, be prepared to answer the following questions regarding your situation:
  1. Dates, addresses and contact information of your previous employment. ...
  2. Information on Doctors and Medication. ...
  3. Household information. ...
  4. Supplemental Security Income (SSI) ...
  5. Current Living Situation. ...
  6. Sources of Income.
Apr 26, 2017

Does anxiety and panic attacks qualify for disability? ›

Anxiety disorders like OCD, panic disorders, phobias, or PTSD are considered a disability. Therefore, they can qualify for Social Security disability benefits. Individuals must prove that it is so debilitating that it prevents them from working.

What do you say not to a disability doctor? ›

4 Things You Should Never Say to Disability Doctors
  • Never Be Deceptive About Your Condition. Many people will downplay their symptoms when describing their condition. ...
  • Do Not Reveal that You Have Ignored Doctor's Orders. ...
  • Avoid Discussing Non-Medical Information with a Disability Doctor. ...
  • Do Not Threaten to Contact a Lawyer.
Apr 7, 2022

What questions do disability doctors ask? ›

4 Common Social Security Disability Interview Questions
  • When did your conditions become disabling? The SSA will ask you when your condition became so severe that you could not continue working. ...
  • What is your work history? ...
  • What is your medical history? ...
  • What is your marital status and household information?
Dec 2, 2021

What type of back injuries qualify for disability? ›

In order to be considered a 'disability,' your back pain must involve, among others, one of the following: Herniated discs. Compressed nerves. Degenerative disc disease.

How much money can I have in my bank account for Social Security? ›

Money In The Bank And SSDI

The monthly limit is $1,350 in 2022 for non-blind individuals and $2,260 for individuals qualifying for benefits as statutorily blind, so it is a good idea to keep records of the source of deposits that you make into your bank account.

How much money can you have in a bank account? ›

Generally, there's no checking account maximum amount you can have. There is, however, a limit on how much of your checking account balance is covered by the FDIC (typically $250,000 per depositor, per account ownership type, per financial institution), though some banks have programs with higher limits.

Does money in the bank affect Social Security retirement benefits? ›

Social Security does not count pension payments, annuities, or the interest or dividends from your savings and investments as earnings. They do not lower your Social Security retirement benefits.

Does AARP help with Social Security questions? ›

AARP's Social Security Question and Answer Tool can offer practical and comprehensive information about how the program works and when to apply. The tool can also help clarify eligibility requirements and provide answers to questions on disability, survivor, spousal and family benefits in an easy to understand manner.

Where is the best place to get Social Security advice? ›

Social Security Administration: The SSA itself remains the best place to receive information about Social Security, said Nancy Altman, president of Social Security Works.

Can you chat online with Social Security? ›

Click the "Let's Talk" Button Below and Ask One of Our Live Advisors Your Free Social Security Question!

How to answer Question 11 on Social Security application? ›

The question we receive the most calls and emails about is #11. Has the person listed in item one or anyone acting on his/her behalf ever filed for or received a Social Security number card before? The answer is “yes” if you current have a Social Security Card.


Top Articles
Latest Posts
Article information

Author: Dean Jakubowski Ret

Last Updated: 19/11/2023

Views: 5539

Rating: 5 / 5 (70 voted)

Reviews: 93% of readers found this page helpful

Author information

Name: Dean Jakubowski Ret

Birthday: 1996-05-10

Address: Apt. 425 4346 Santiago Islands, Shariside, AK 38830-1874

Phone: +96313309894162

Job: Legacy Sales Designer

Hobby: Baseball, Wood carving, Candle making, Jigsaw puzzles, Lacemaking, Parkour, Drawing

Introduction: My name is Dean Jakubowski Ret, I am a enthusiastic, friendly, homely, handsome, zealous, brainy, elegant person who loves writing and wants to share my knowledge and understanding with you.