Social Security: Key Changes & Reminders for Beneficiaries
Social Security beneficiaries can expect several changes and reminders. Automatic Medicare enrollment at 65, children's eligibility, and benefit adjustments are among the updates.
When turning 65, Social Security beneficiaries are automatically enrolled in Medicare. Children under 18, or 19 if still in high school, may qualify for benefits if the parent is eligible. Benefits withheld due to the earnings test before full retirement age are recalculated and added to the beneficiary's benefit once they reach full retirement age.
Benefits are paid in the month following the month for which they are due. A one-time lump-sum death benefit of $255 is paid to eligible survivors. The maximum monthly benefit for those reaching full retirement age in 2025 is $4,018. Payments are made on Wednesdays, based on the beneficiary's birthday. If you move, notify Social Security to avoid benefit stoppage and ensure receipt of important documents. Beneficiaries are now required to refund 50% of overpaid amounts.
The annual cost-of-living adjustment to benefits is made in December, with beneficiaries seeing the increase in their January checks. Minor children can receive up to half of the parent's full retirement age benefit, with a family cap of 150% to 188%. Stay informed and up-to-date with Social Security's guidelines to ensure you receive your benefits correctly.
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