Preserving Historical Buildings with Roof Coatings

admin January 29, 2024financial, information, music, recreation

The Role of Roof Coatings in Historical Preservation

Protecting Architectural Heritage

Historical buildings are not just structures; they are a testament to our past,embodying rich architectural heritage. Roof coatings play a crucial role in preserving these buildings,offering protection from the elements while maintaining their distinctive charm and character. Products like Rhino Shield,with their advanced ceramic elastomeric coatings,provide a wide range of historically accurate colors,ensuring the original aesthetic of these priceless buildings remains intact.

The leader in commercial roof coatings is SmartSeal Commercial Roof Coatings in Lake County,FL. They service the entire state of Florida and are the industry’s experts regarding historical buildings and roof coatings.

Ensuring Durability and Sustainability

Beyond preserving beauty,these roof coatings are guardians of our history. They exhibit excellent resistance to mold,mildew,insects,salt,and corrosion,ensuring the preservation of these structures. Additionally,their low-VOC emissions and energy efficiency contribute towards an eco-friendly future,making them an ideal choice for historical building maintenance.

The Historical Significance of Roof Coatings

Preserving Architectural Integrity

In architecture,every detail matters,especially in historical buildings. Roof coatings are vital in protecting these structures against time,maintaining their treasures for future generations. Notable products like Rhino Shield and Mule-Hide’s 100% Silicone Roof Coating System are often the unsung heroes in this endeavor,providing armor for aging roofs while preserving their historical aura.

Maintaining Aesthetic Integrity

A key aspect of preserving historical buildings is maintaining their aesthetic integrity. The goal is not just to save the buildings from structural damage but to keep their historic appeal intact. With a range of colors and finishes,products like Rhino Shield and Mule-Hide’s 100% Silicone Roof Coating System can be customized to match the original roofing materials’ hues and textures,ensuring authenticity even after restoration.

Innovative Solutions with Rhino Shield

Pioneering Ceramic Elastomeric Technology

Rhino Shield,known for its ceramic elastomeric technology,equips historical buildings to withstand modern environmental stressors without compromising their inherent charm. This advanced coating technology helps these buildings match today’s climate challenges while enhancing their historical aesthetic appeal.

Advances in Energy Efficiency

Rhino Shield’s energy-efficient performance,with its ability to reflect UV rays,contributes to lower cooling costs. This is particularly beneficial for buildings not originally designed with modern insulation techniques,making Rhino Shield a standout choice for historical structures.

Roof Coating Options for Durability and Longevity

Comparing Traditional and Modern Materials

Traditional roof coatings often falter due to limited adhesion,weather resistance,and overall performance over time. Modern counterparts,however,are designed to resist weather effects,reduce maintenance,and ensure the long-term durability of historical buildings. Modern roof coating products represent a technological leap with enhanced protective properties,better durability,and remarkable longevity.

Advantages of Ceramic Microspheres

Ceramic microspheres in products like Rhino Shield result in a resilient layer on the roof,boosting resistance to cracking,chipping,and peeling. This reinforcement significantly extends the lifespan of the coating,providing a long-lasting and cost-effective solution for historical building maintenance.

Benefits of Roof Coatings in Historical Building Maintenance

Multifaceted Benefits

Roof coatings in historical building maintenance offer numerous benefits. They provide a high-quality protective barrier against harsh weather,mold,and mildew,playing an instrumental role in circumventing both structural and aesthetic damage. These coatings act as a shield against various weather conditions,ensuring that historical structures can stand the test of time. They also contribute to environmental sustainability by offering low-VOC emissions and improved energy efficiency.

Sustainable and Energy Efficient

By improving thermal efficiency,these innovative coatings can help manage the interior temperature of the buildings,leading to noticeable cost savings. As low-VOC products,these coatings contribute to a healthier environment during their application,as well as throughout their lifespan,minimizing the impact on the surrounding environment.

Adopting Sustainable Roof Coatings for Preservation

Eco-Friendly Approaches to Renovation

Choosing eco-friendly solutions for preserving historical buildings minimizes environmental impact while retaining the structures’ timeless elegance. Low-VOC roof coatings,exemplified by Rhino Shield,drastically reduce the emission of harmful chemicals compared to traditional paints and coatings.

Low-VOC Solutions with Rhino Shield

Rhino Shield offers low-VOC roof coatings,championing eco-friendly renovation. Its eco-conscious product formulation releases significantly fewer VOCs than standard paint,embodying a commitment to environmental preservation.

Protecting Historical Architecture Against the Elements

Weather Resistance and Temperature Fluctuations

Advanced roof coatings like Rhino Shield are engineered to withstand severe weather conditions. They have remarkable heat and cold resistance,preventing temperature-induced warping or cracking,and ensuring the structural integrity of historical buildings remains uncompromised.

Waterproofing Historic Roofs

These coatings prevent water seepage,deterring the growth of mold and the onset of structural decay. This superior waterproofing is particularly important in harsh climates or coastal regions with high exposure to rains and storms.

In conclusion,historical building roof coatings are essential in preserving and maintaining our historical architecture,ensuring these cherished structures continue to tell their stories to future generations. They are a crucial part of environmentally responsive building design,contributing to a cooler,more sustainable future.

Utilizing Our Legal Protection for Estate Preparation

admin January 16, 2024business, information

“I understand my rights!” That is one of those phrases all of us like to have in our toolbox if we get into a battle,especially with the government or a bank. Another expression that is just as appropriate,specifically when it comes to the rights that the legal system offers us is,”Use it or lose it.”

As much as we revile attorneys and hold the government up for ridicule,there are a lot of laws on the books that are here to protect ordinary citizens like you and I. When we do not make ourselves conscious of those rights or stop working to take advantage of them,the genuine crime then is on us. No place is the problem more glaring then when it concerns the laws concerning estate preparation,wills,trusts and inheritance.

Any estate preparation attorney can assist us through the actions of setting up legally binding documents to make sure that whatever is ours when we do hand down to the next life through death will go to the ones we wish to have it. Surprisingly,lots of people just do not benefit from estate planning laws and their heirs find themselves trying to take care of their parents wishes without any will in place to safeguard their estate.

If there is no will in place,maybe it would assist to learn more about probate which is the method the state gives out your property. Well,the news there is bad. Not just will the government dispenses with your property by its guidelines with no regard or assistance from you how you want your assets divided when you die,there are heavy taxes that they are happy to take for their benefit. The very idea that the government can take as much as 10 percent of your estate throughout probate must send us all running to our estate planning lawyers to get the files in place to make sure this does not occur.

There are great deals of factors individuals don’t like to plan for how their estate will be distributed after they die. No doubt the most significant one is procrastination. If you ask many people who have considerable holdings that must be protected by a will why they do not go through that process,the answer is often,”I will take care of that when I am older.”

The implication is that if you are not senior,you are definitely not close enough to the minute of death to worry about it. This is an amazing assumption when anyone who logically understands how the world works knows that people similar to you and me pass away in automobile wrecks,aircraft crashes or even just have abrupt heart attacks at young ages and leave their family to figure out the estate. Confronting that possibility is the very first step toward establishing a wise approach to estate preparation.

Many of us would like to believe we will never die when all proof proves the opposite. We do not like dealing with legal representatives,we don’t like thinking about our own death and we fear the expenditure of setting up a will.

If we can simply believe of a will in that exact same light,we may be encouraged to guarantee that our estate is correctly dispersed when we pass on. It’s just as crucial as any insurance,especially to your family and loved ones.

Nowhere is the problem more glaring then when it comes to the laws concerning estate planning,wills,trusts and inheritance. This firm can assist with estate planning and also commercial issues:

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The importance of financial literacy: critical concepts for personal and professional success

admin January 14, 2024financial, information, random

Financial literacy is paramount for growing and preserving wealth. It is a skill that every professional looking towards a thriving economic life should have. Making sound monetary judgments can only be manageable with basic knowledge of financial concepts. Successful financial literate like Grant Kelly knows these concepts’ importance and can testify to an improved long-term success rate. Read further to find out about some important financial literacy concepts and how they can place you in a better place to make reasonable financial decisions for future purposes.

What is financial literacy?

Financial literacy is utilizing awareness and skills to efficiently manage financial resources for an extended period. Simply put,it is the capacity to understand and make suitable financial decisions. Knowing basic financial terms does not make you financially literate,and relying on it has several disadvantages,such as making bad decisions,falling into scams,and losing possible investment opportunities.

Critical Concepts for Personal and Professional Success

Financial literacy has some essential concepts and skills that gives a person opportunity to gain knowledge about the successful management of money and resources. The following are vital financial concepts that one interested in financial literacy must consider.

Budgeting: In this concept,four primary uses of money determine a budget: spending,investing,saving,and dashing out.

Balancing these different ways of using money is made easy through budgeting. The practice is advisable because it encourages the productive usage of funds. To design a reasonable budget,the best thing to do is to clear all previous debts and set money aside for savings and investments.

Investing: To become financially literate,a person must learn about some crucial components of investing. The features that ensure favorable terms of investment are interest rates,diversification,risk levels,indexes,and price levels. Having ideas about investment components results in making wiser financial decisions,which could also lead to a higher income flow.
Borrowing: At one point or another,our only option might be to obtain credit from an individual or corporate firm. To ensure that seeking financial assistance is done correctly,a basic knowledge of components like interest rates,economic instability,inflation rates,compound interest,period of payments,and loan structure is essential.
Taxation: To be financially literate,you must know the different types of taxation and their effects on an individual’s total income. We are taxed differently according to our source of income. Being aware of this allows economic growth and boosts financial management.
Personal Financial Management: This is the most crucial concept; it combines all of the above. You are guaranteed financial security by balancing the combinations of the ideas in finance listed above.

Benefits of being financially literate

Being finally healthy has so many benefits,but here are a few:

It increases job security.
It helps you make wise decisions about spending and saving.
It decreases financial stress.
It leads to a higher credit score.
It keeps your mind at peace and ease.

Conclusion

In today’s economic world,being financially literate is essential. The different ways to become economically literate include doing quality research,consulting a financial expert,using online resources,setting a budget,and living within your means. Taking these steps ensures economic growth and stability; even Grant Kelley took this path to become a successful financial literate. You can start yours today.

For more information: Grant Kelley

Proven Strategies To Win Your Social Security Disability Case

admin December 25, 2023financial, government, health, information, politics, random

If you are facing an upcoming Social Security disability hearing or have recently been denied and in the appeals process,you are likely asking yourself,“What can I do to give myself the best chance of winning my Social Security disability case?”

It can be tremendously agonizing to be recently diagnosed with a disabling condition by your doctors but then be told you have to wait to find out if you are eligible to receive Social Security disability benefits. It’s even more frustrating when you know that you cannot work because of your condition,and so does your doctor,yet for some reason you have had your claim denied and now you have to fight through the appeals process to get what you deserve.

If you are in either of these situations,here are some helpful tips to ensure you have the best chances of winning your case.

Applying for disability benefits for the first time

Do your homework

Be sure to thoroughly read the Social Security Administration’s Blue Book to accurately determine whether or not your disability meets the medical listing. In the event that it does not,you can still win your case,but you may need to go through additional rounds of paperwork,and the need to retain qualified legal counsel looms larger.

Be detailed and thorough in your application

The more detail and facts you can put into your application,the more likely you are to win your case. Never leave the answers to questions blank and avoid answering questions with simple yes/no answers. The Disability Determination Department will be looking for concrete facts and examples of why you are unable to work,and complete and thorough answers will do a much better job of proving your case than short answers.

Submit additional records as they come in

As you undergo treatment for your condition and more details emerge,you want to swiftly submit those medical records to SSA for consideration. Additional medical reports can demonstrate additional facts that will bolster your case and you need all the evidence on your side.

Consider hiring a disability lawyer from the beginning

The above advice seems simple in the abstract,but can become daunting when you are actually going through it. An experienced disability attorney like Evan Marken can help you through each of those processes and give you confidence that you are preparing your documents and conducting your research in the best possible manner. It’s the best way to help you avoid any of the pitfalls that first time applicants fall into,and to ensure your application succeeds the first time.

If Your Initial Application Has Been Denied

File an Appeal

If your application is denied,it’s important to make an appeal and not start over with a new application. The appeals process can seem even more daunting than the initial application process,but filing an appeal gives you a much greater chance of success than you might achieve if you were to simply refile an initial application with slightly different details.

Meet Your Deadlines

All Social Security disability claims come with deadlines and the appellate deadlines are of extreme importance. If you have a deadline you really need to meet it,or otherwise winning cases can turn into losers. Social Security has time periods when it comes to appealing your case for disability benefits,returning paperwork or even keeping an appointment to see one of their doctors.

Comply with Prescribed Treatments

Be sure to comply with the course of treatment recommended by your health team. If you’re prescribed physical therapy,attend the sessions. Take your medications as directed and only discontinue medication after consulting with your doctor. Don’t have health insurance? Learn how you can apply for disability benefits without health insurance.

Again,do yourself a favor: Hire an experienced attorney

Many clients who have navigated the disability appeals process will tell you one of the best things you can do is hire an attorney to advocate for you and make sure your application is strong and that your case is up-to-date. An experienced disability lawyer can help with all the above and take the weight off your shoulders. Clients who hire a disability attorney have a higher likelihood of winning their case,especially if they’ve been initially denied.

Secure Your Social Security Disability Benefits

5 Signs It’s Time To Scale Your Small Business Phone System

admin December 15, 2023food, information

A quality phone system is essential to companies,both to big business and small business alike. It’s important to have the technology and features that can support your service,customers,and employees in order to grow the company or ensure scalability. To know whether or not your business phone system needs to upgrade,there are several signs to look for so you scale with purpose and not waste company dollars on a new phone system without needing it.

Read below and see if your company is showing signs of needing an upgraded phone system.

Signs to Scale Your Small Business Phone System

1) The Phone System is Becoming Obsolete
Maintaining a phone system that is out of date is costly due to the technology needed to repair it or replace any equipment being harder to find,if able to find someone who knows how to. Another issue is compatibility,technology solutions can’t be added to your tech stack or connect with other platforms if the phone system is behind what you need to integrate.

2) The Phone System Lacks Essential Features
The current phone system your company is using may be adequate,in terms of communicating on the phone with others,but small businesses then miss out on features and functionalities that support your customers and employees in significant ways. For example,call routing based on customer profiles and customer issues rather than the first available person. Does your phone system support call quality monitoring or call transcriptions? There are modern features that greatly benefit companies beyond call centers.

3) The Phone System Isn’t Scalable
Older model business phone systems have a limited capacity that can only support a specific amount of users and lines,which can cause severe problems when maximum capacity is reached. If you’re working to grow your small business,you’ll need a phone system that is scalable,like a VoIP phone system.

4) The Phone System Has Security Vulnerabilities
Security is among the top priorities for any business,whether a small business or a large enterprise. An older model phone system is much more vulnerable to attack and easily intercepted as it has been around long enough for modern technology and hackers to easily circumvent its security protocols. VoIP phone systems have a much higher security ability than other types of phone services and can be updated to stay current via the cloud.

5) The Phone System Can’t Support Remote
Nearly 40% of companies now have remote teams and even if you’re business doesn’t offer remote work,it’s an ability that can prove useful to your company. Employees are able to connect to the business phone system from anywhere and the VoIP phone system provides that remote function while delivering flexibility. Having this feature on standby also means that if you ever decide to implement a remote option,it’s already in place and won’t require additional work or costs to get going.

Discover the VoIP Phone System

It’s important to have the tools to allow growth in your company and communication technology is an essential factor in the space to grow. We at F2F Telecommunications provide VoIP business phone systems to both medium and small businesses,helping them secure enterprise-level technology without enterprise-level costs. We handle the maintenance,updates,and programming so you can focus on your business rather than setting up its communication abilities. Working with the company that is empowering Cincinnati businesses with unified communications means having your business phone systems complete and ready to go without being bogged down in updates and digital management.

Explore why F2F Telecommunications leads in providing VoIP phone systems to businesses by clicking the link below.

F2F Telecommunications

What is Auto Insurance in Chicago, IL?

admin December 9, 2023information

Vehicle insurance is an essential kind of protection for automobile owners in Chicago,IL It offers financial insurance coverage in the event of damage to your vehicle,along with responsibility protection for any injury created to others. With the various options readily available,finding the right insurance that meets your requirements and budget is crucial.

In Chicago,IL,there are numerous insurance companies such as Insurance Partnership that use a series of insurance coverages. These insurance companies take into consideration numerous aspects when determining prices such as your driving document,credit report,and the sort of car you own. Comprehensive coverage,that includes protection against accidents,theft,and all-natural calamities,might offer higher costs contrasted to various other options. Nonetheless,it also supplies a higher level of insurance coverage and comfort. Discovering the cheapest car insurance with sufficient bodily injury coverage and uninsured motorist coverage is feasible,especially for those with a clean driving record and great credit.

When looking for cars and truck insurance in Chicago,IL,minimum requirements need to be met. The state of Illinois calls for a minimum of $25,000 in bodily injury coverage per person and $50,000 per mishap. Furthermore,$20,000 of property damage protection is required. Without insurance motorist bodily injury coverage of $25,000 each and $50,000 per accident is also necessary. By satisfying these minimum requirements,you can legitimately operate a vehicle in Chicago,IL,and make certain that you are financially safeguarded in case of a mishap. Keep in mind to always have a valid driver’s license and maintain your insurance coverage in good standing to ensure nonstop protection and trusted service in times of need.

Benefits of Auto Insurance in Chicago,IL

Cheap car insurance is a concern for many vehicle drivers in Chicago,IL With the high cost of living in the city,discovering budget-friendly coverage is crucial. Luckily,there are numerous vehicle insurance companies offering competitive rates to meet the needs of residents. Obtaining insurance quotes from multiple companies allows vehicle drivers to compare prices and discover one of the most cost-effective plans. Whether it’s for a new car driver or someone with bad credit,cheap auto insurance options are available in the city.

Comprehensive insurance is a vital protection choice that car drivers in Chicago should consider. This type of insurance gives protection for events that are not related to accident,such as theft,criminal damage,or damages caused by natural disasters. While collision insurance covers problems incurred in an accident,comprehensive coverage makes sure that drivers are safeguarded from a larger series of threats. Including this additional protection to insurance policies can supply peace of mind recognizing that any unanticipated damages will certainly be dealt with. Prior to buying comprehensive coverage,it’s recommended to discuss coverage levels and deductibles with an insurance agent to make sure appropriate protection at an economical cost.

Kinds of Coverage in Chicago,IL

When it comes to auto insurance in Chicago,IL,there are numerous sorts of coverage options readily available to homeowners. Comprehending these options can aid car drivers make notified decisions and guarantee they have the appropriate insurance coverage for their details demands.

One facet to take into consideration is property damage liability coverage,which gives financial protection in case you create damage to one more individual’s building while driving. This coverage aids to cover the costs of repairing or changing the damaged home. It is essential to keep in mind that property damage liability coverage comes with certain limitations,such as a set optimum quantity covered per crash– for example,$25,000 for property damage per accident. Vehicle drivers should take into consideration this restriction and pick coverage that suits their needs and prospective risks.

Another vital element to take into consideration is injury obligation coverage,which offers financial protection in case you trigger physical harm to somebody else in an accident. This coverage includes clinical costs,lost earnings,and other prices connected to the victim’s recovery. Similar to property damage liability,injury responsibility protection features limitations per mishap– as an example,$50,000 for injury per accident. Reviewing your personal situations,including your driving history and credit score,can aid you determine the suitable insurance coverage degree for your unique situation. Furthermore,some insurance carriers use price cuts based upon elements like a clean driving record or great credit score,which can decrease your annual premium.

For car drivers who regularly use rideshare systems like Uber or Lyft,it is worth considering rideshare insurance. While personal vehicle insurance policies might not supply protection throughout rideshare tasks,having rideshare insurance guarantees you are protected during both individual and rideshare driving.

Lastly,gap insurance is another kind of protection to take into consideration,especially for car drivers with poor credit or that have actually funded their vehicles. Gap insurance supplies protection for the distinction in between the actual money value of your car and the amount you owe on your financing or lease if your automobile is proclaimed a total loss. This can be especially beneficial in scenarios where the worth of your car decreases quicker than you are able to repay your finance.

Finally,it is essential for vehicle drivers in Chicago,IL,to comprehend the different types of coverage car insurance can supply. Examining factors such as average rates,competitive rates,the lowest rates,annual cost,auto insurance providers,credit scores,driving history,and wanted protection degrees is important in making informed decisions concerning insurance payments. The availability of coverage options such as property damage liability,injury responsibility,rideshare insurance,and gap insurance can further enhance your financial protection in case of accidents or unexpected events.

Minimum Coverage Requirements in Chicago,IL

Chicago,Illinois is the 3rd most populous city in the United States,known for its bustling traffic and varied population. With such a high variety of vehicles when traveling,it’s important for car drivers to have adequate automobile insurance. Understanding the minimum coverage requirements in Chicago,IL is essential to ensure every car driver has the needed protection.

When it concerns automobile insurance in Chicago,the type of vehicle you possess and the ever-changing traffic problems can heavily influence the rates for drivers. Those classified as high-risk vehicle drivers normally deal with greater insurance rates because of the enhanced possibility of accidents. Along with the proximity to Lake Michigan,where weather conditions can affect driving,making certain appropriate coverage per accident is important. Firms like Auto-Owners Insurance and Secura Insurance deal comprehensive car insurance policies for car drivers in Chicago,catering to their distinct needs and requirements.

Factors such as liability limits and the cost of insurance play a substantial function in determining the affordability of vehicle insurance in Chicago. The average car insurance cost can vary depending on the coverage chosen,making it vital for car drivers to compare prices to discover cheaper car insurance options. Auto liability insurance is a requirement for all car drivers in Chicago to guarantee they can cover any type of damages caused to others. By picking the right insurance plan,Chicago vehicle drivers can secure themselves and their vehicles without breaking their budget.

Din Guide till Hyreslivet i Stockholm

admin December 5, 2023business, home, information, people, society, world

Stockholms hyresmarknad är lika dynamisk och mångsidig som staden själv. Denna guide är avsedd att ge dig en omfattande översikt över vad du kan förvänta dig när det gäller hyreskostnader och hur BeLiving kan vara din allierade i sökandet efter den perfekta lägenheten.

Hyreskostnader i Stockholm

Stockholm är en stad med en rik historia och en modern puls,vilket avspeglas i dess bostadsmarknad. Beroende på dina önskemål och behov kan du hitta allt från mysiga ettor i kulturhistoriska områden till moderna tvåor i nybyggda kvarter. Hyran varierar beroende på läge och storlek,och du kan förvänta dig att betala mellan 7 000 och 12 000 SEK för en etta och upp till 20 000 SEK för en tvåa i mer centralt belägna områden. Med BeLivings webbplattform kan du enkelt hitta alternativ som passar din budget och dina preferenser,och få en tydlig överblick över vad som finns tillgängligt.

Praktiska tips för att hitta lägenheter

Att hitta rätt bostad i Stockholm behöver inte vara en stressande upplevelse. Med BeLiving kan du enkelt navigera i bostadsmarknaden och snabbt hitta ett hem som passar dig. Här är några tips för att underlätta din sökning:

Tidig Ansökan: Börja din bostadssökning i god tid. Med BeLivings plattform kan du få tillgång till nya bostadsannonser så snart de publiceras,vilket ger dig en fördel i den konkurrensutsatta marknaden.
Bevakningstjänst: Ställ in BeLivings bevakningstjänst för att få notiser när nya bostäder som uppfyller dina kriterier blir tillgängliga. Detta säkerställer att du inte missar några intressanta objekt och kan snabbt agera när rätt tillfälle dyker upp.

Viktiga överväganden vid lägenhetssökning

När du söker efter en lägenhet i Stockholm är det viktigt att tänka på följande:

Läge: Välj ett område som passar din livsstil och dina behov. Att bo nära arbete eller utbildning kan spara dig mycket tid på pendling.
Tillgänglighet till kollektivtrafik: Ett bra kollektivtrafiknät är essentiellt i en storstad som Stockholm. Se till att ditt nya hem ligger nära bra kommunikationer.
Lokala bekvämligheter: Tänk på närheten till viktiga bekvämligheter som matbutiker,gym,parker och andra tjänster som kan berika din vardag.

Med rätt verktyg och förberedelser kan din bostadssökning i Stockholm vara både spännande och givande. BeLiving är här för att stödja dig genom hela processen,från att hitta rätt bostad till att ansöka om den. Besök BeLivings webbplats för att börja utforska dina möjligheter och ta ett steg närmare ditt nya hem i Stockholm.

What are Social Security Survivor Benefits?

admin November 7, 2023financial, government, health, information

Social security benefits are mostly known for those of partial or full retirement age,though there are several different types of benefits,such as survivor benefits. The official name of the program is Old-Age Survivors and Disability Insurance (OASDI) which helps your spouse or dependents receive a passed-on spouse’s social security benefits on top of their own.

Below you’ll find information that gives a more in-depth understanding of a widow’s social security benefit derived from their spouse and some advice on how to navigate the complex rules of the program.

Who Qualifies for Social Security Survivors Benefits?

To qualify for social security survivor benefits,you’ll have to meet the requirements for eligibility,which include:

You must be a widow or widower of any age who is caring for the deceased’s child or children under the age of 16,or who are disabled.
- Step-children,grandchildren,step-grandchildren,and adopted children can be included under certain circumstances
A widow or widower who is 60 years older or more who has not remarried
Any unmarried children of the deceased who are younger than 18 years old or have a disability that surfaced before 22 years old.
Parents that are 62 years or older that were dependent on the deceased for at least half of their income and whose social security income would not be larger than of the deceased’s children.
A surviving divorced spouse may receive benefits if they meet other eligibility requirements

Another point of qualification is shared with social security retirement requirements,meaning you would have to have worked a certain number of years and gained the proper amount of credits each year for your loved ones to be eligible for the benefits.

How are Social Security Benefits Calculated for a Widow?

How the benefits are calculated for a widow can quickly become complex as there are several provisions for different circumstances. One such provision is the one-time death benefit payment of $225,which can be issued if the deceased spouse either lived with the widow(er) or was receiving social security benefits on their record. If there is no surviving spouse,the one-time payment can be given to a child who is eligible for the benefits. Another provision is if the death leaves a spouse with dependent children,which allows the benefits to be paid to them if the deceased had earned at least 6 credits within the three calendar years prior to their passing.

To gain the benefits,a specific amount of credits are needed to be eligible,depending on the age of the spouse who has passed. The younger they are,the fewer credits are needed,but the maximum required is 40. Also,just as with the Social Security Administration’s retirement SSI program,the amount of survivors benefits depends on the average lifetime earnings of the spouse who passed. The more that was earned,the higher the benefit till a maximum amount is reached.

How Big Can the Benefits Be?

The benefits survivors receive can depend on their age and the type of relationship they had with the deceased:

Widow(er) Benefits

If at the full retirement age,the surviving spouse can receive the total amount of the deceased’s benefits. If they are between the ages of 60 and full retirement age,they can receive between 71% to 99% of the amount. A disabled spouse between 50 and 59 years of age can receive up to 71%,and a spouse caring for a child under the age of 16 at any age can receive up to 75%. A divorced spouse,if they qualify as previously mentioned,can receive the same amounts listed above.

Children and Parent Benefits

Children under the age of 18,or 19 if still in school or disabled,can receive 75% of the deceased parent’s benefit. A parent that is dependent on the deceased is eligible to receive 82% of the benefits,but if both parents are alive and were dependents,then they each can collect 75%.

As you can see,it can become quite complicated to ensure you receive your social security from your loved one. Here at Marken Law Group,we have a comprehensive understanding of social security benefits for surviving spouses. We understand how stressful benefits can be and don’t want to add to your plate during this sad and stressful time. Partner with an experienced ally that is by your side from start to finish with a qualified social security lawyer to help you through this process to secure your benefits.

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