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Discovering Social Safety guidelines and rules in writing

Share this…FacebookPinterestTwitterLinkedin Readers are at all times asking me to elucidate varied Social Safety guidelines and rules. However generally they…

By Staff , in Social Security , at May 30, 2021

Readers are at all times asking me to elucidate varied Social Safety guidelines and rules. However generally they need extra. They need to see one thing official – one thing in black and white. In different phrases, they need me to present them a authorized reference for no matter guidelines I’m explaining to them.

I form of know the place they’re coming from. Regularly, they’ve heard one factor from a buddy or from a supposed trusted supply, like perhaps a monetary adviser or perhaps a Social Safety consultant. Then they learn one thing completely different from me. I perceive their confusion.

So, why ought to they belief me? Properly, I’ve been doing this Social Safety stuff for nearly 50 years now. All of the applications, guidelines and rules are simply burned into my mind. I’ll sometimes have to examine one thing out within the Social Safety Administration’s Program Operations Guide System, or POMS, which is the first useful resource information for SSA staff. POMS takes the entire Social Safety legal guidelines and turns them into sensible directions for finishing up these legal guidelines. However frankly, I haven’t appeared on the precise legal guidelines for a few years now.

Nonetheless, I perceive that quite a lot of folks want to see one thing in writing. Due to the excessive quantity of emails I get, I merely don’t have the time to look all the things up. However if you wish to do your individual analysis, I’ve some bits of recommendation.

First, I strongly advocate you begin out trying within the Social Safety Handbook. The handbook is a a lot shorter model of the POMS. If you happen to printed out the whole POMS, it might fill about 20 three-ring binders. (I do know this for a truth as a result of once I labored for the SSA earlier than an digital model of POMS got here alongside, I had these 20 binders in a bookshelf behind my desk.)

Anyway, the Social Safety Handbook is barely about 700 pages and fills only one ebook on my desk. You will discover it at www.socialsecurity.gov. Simply kind “Social Safety Handbook” within the search field. Or, in the event you’re an old school man like me, you may get a tough copy of the ebook at any bookseller like Amazon.

Since I discussed Amazon, enable me to shamelessly plug my ebook. It’s known as Social Safety: Easy and Good. It’s a group of truth sheets I’ve written for my readers through the years. These truth sheets clarify nearly each aspect of the Social Safety program. It’s a lot shorter and less complicated than the Social Safety Handbook. And it’s WAY simpler to grasp than the POMS. It’s so rather more handy to search out what you’re on the lookout for in my ebook moderately than attempting to wade via all of the Social Safety legal guidelines.

Having plugged my ebook, I completely perceive that it’s not ok for some folks. They need to see the precise guidelines and rules. If you’re not glad with the Social Safety Hand-book, you’re going to must delve into the hundreds and hundreds of pages of POMS.

You will discover POMS on-line at www.socialsecurity.gov. Close to the highest of the homepage, open up the “Menu” tab, after which scroll right down to the underside and you will notice a hyperlink known as “Program Guidelines.” Click on on that. You will note 4 hyperlinks. You’ll want to open the hyperlink labeled “Worker Working Directions.” Then click on on “Program Operations Guide System (POMS).” As soon as there, you will notice the desk of contents, which is split into matters corresponding to “Retirement and Survivors Insurance coverage,” “Incapacity Insurance coverage,” “Well being Insurance coverage” and so forth.

Then all I can say is, “Good luck!” I’ve been utilizing POMS for nearly half a century now, and to be sincere, I nonetheless have hassle discovering precisely what I’m on the lookout for.

For these of you who aren’t glad with my ebook, the Social Safety Handbook or POMS, and also you insist on seeing the precise regulation, effectively, then I want you much more luck. In my 50 years of engaged on Social Safety points, I feel I’ve tried to search out an precise regulation reference solely a couple of times. However in the event you actually need to, yow will discover the legal guidelines by following the identical hyperlinks I discussed above for POMS. When you click on on “Program Guidelines,” one can find tabs for “The Regulation,” “The Regula-tions” and “The Rulings.”

I’m not a lawyer, and I definitely am no knowledgeable on these issues, however I feel in a nutshell, the “Regulation” is the regulation. The “Laws” are subsets of the regulation. And the “Rulings” are subsets of the rules.

Having given you all these directions for wading via the SSA web site to search out varied legal guidelines and guidelines and rules, I’ve discovered {that a} easy Google search can work simply as effectively. Here’s a large trace for doing that. At all times begin out your search with the phrases “Social Safety.” For instance, say you needed info on the 10-year period of marriage rule that applies to a divorced husband or spouse attempting to get advantages on an ex-spouse’s Social Safety document. Once you do the Google search, don’t simply kind in “10-year marriage rule.” Ensure you kind in “Social Safety 10-year marriage rule.” A lot of useful hyperlinks will pop up – a few of them resulting in a POMS reference or perhaps even the regulation.

I’ve received just a bit house left, and I’m going to utterly shift gears and go alongside one thing a reader just lately shared with me. Here’s what he stated.

“In your latest column on guidelines about Social Safety checks, you point out how beneficiaries get checks on a Wednesday (second, third or fourth) relying on their birthday, except some old-timers who nonetheless get their checks on the third of the month.

“You neglected an exception: If a beneficiary has another person accumulating checks based mostly on the first’s Social Safety quantity, the first beneficiary’s pay date modifications to the third of each month. Being born on March 16, 1949, I received my examine on the third Wednesday till my ex-wife reached the age to gather based mostly on my Social Safety account. Then I started receiving checks on the third of every month and accomplish that to this date. The SSA despatched me a letter explaining the change within the pay date and listed causes (there have been a few others, however I don’t recall what they had been), together with the one which affected me.”

In case you have a Social Safety query, Tom Margenau has a ebook with all of the solutions. It’s known as Social Safety: Easy and Good. You will discover the ebook at creators.com/books. Or search for it on Amazon or different ebook retailers. To seek out out extra about Tom Margenau and to learn previous columns, go to www.creators.com.

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