Why pay your social security taxes? It is important to pay your social security taxes in order for you to earn your social security credits. These social security credits can help you and your family qualify for the various benefits provided by the social security like disability and survivorsí insurance coverage. These benefits will cover you whether you are working for an employer or whether you are self-employed. Aside from the disability and survivor benefits, there are also the retirement benefits as well as the Medicare protection that covers not only you but also your whole family. The Medicare protection is especially helpful during times when you or your family is in need of an operation or hospital confinement. Moreover, the Medicare protection is available up to your age 65.

In cases wherein you become disabled, the social security has disability benefits that will cover your expenses for up to one year or may be longer depending on the severity of your condition. Through social security you are given worry-free time to recuperate. However, you will be considered disabled if and only if you cannot do the work you are doing before because of your medical condition. The disability must also last for at least a year or to result in death. The disability benefit is usually paid on the sixth full month of your disability, this is done by the social security to ensure that you really are disabled and does not have the capabilities to work anymore. After which, your disability benefit will be sent to you for twenty-four consecutive months and aside from that you will also be allowed to make use of your Medicare benefits that is if ever you are confined in the hospital again. Moreover, for parents who are disabled their unmarried children are also entitled to get benefits too. The monthly checks are payable to either your biological or adopted children or dependent stepchildren or grandchildren who are under age eighteen, become disabled before the age of twenty-two and remain disabled or at ages eighteen to nineteen and attending elementary or secondary school full time.

On the other hand, if you are married and your husband is age 62 or older, he may also qualify to receive your disability benefits if ever you become disabled. Moreover, aside from that, he may qualify at any age if he is found out to care for your child who is under age sixteen and is disabled. However, in cases wherein you died, both the widower and the dependent children may receive monthly survivor benefits. If there are no dependent children, the widower must be either age sixty or older or may be between the ages fifty and sixty as well as disabled to qualify for the benefits of the deceased partner.

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Jinky C. Mesias