How to Fix a Hole in Social Security Work History;
Must You Buy Medicare Part A Hospital Insurance?
As more open ‘my Social Security’ accounts there are
certain to be more questions for SSA to answer in this weekly Q&A
May 29, 2013 – As more senior citizens and others
create personal online accounts at Social Security, there is a natural
increase in questions about their records. Oscar Garcia, writing for the
SSA Q&A explains what to do if you find part of your work history
missing. He also has an answer for a senior wanting to know if they have
to buy Medicare Part A – hospital insurance.
I created a “my Social Security” account because
I wanted to get a benefit estimate. In reviewing my work history, I
noticed there was a year of work missing. How can I correct this?
If the earnings missing from your Social Security
record are for the current year or last year, you do not need to worry.
These earnings are recent and we may not have recorded them, yet.
However, earnings could be missing from your record for earlier years
for several reasons.
Perhaps your employer reported your earnings using
the wrong name or Social Security number. Maybe you got married or
divorced and changed your name, but never reported the change to Social
The first thing you should do is find some proof of
those earnings. This proof could be a W-2 form, a tax return, a wage
stub or pay slip, or any other written documents showing that you
If you cannot find any written documents that show
your earnings, try to remember as many facts and write them down. Tell
us where you worked, the name of your employer, the dates you worked,
how much you earned, and the name and Social Security number you used
when you worked.
After you gather your documents, contact Social
Security. We will work with you to correct your record.
Do I have to pay for Medicare Part A?
Very few people have to pay for Part A (hospital
insurance). Most people get hospital insurance when they turn 65 without
having to pay for it. You qualify for it automatically if you are
eligible for Social Security benefits.
There are several other ways that you can get
Medicare Part A. You also qualify based on a spouse’s work, including a
divorced spouse. Others qualify because they are government employees
not covered by Social Security who paid the Medicare tax. If you get
Social Security disability benefits for 24 months, you will qualify for
hospital insurance. If you get Social Security benefits because you have
amyotrophic lateral sclerosis, you do not have to wait 24 months to
In addition, someone who has permanent kidney
failure requiring maintenance dialysis or a kidney transplant qualifies
for hospital insurance if he or she has worked long enough or if he or
she is the spouse or child f a worker who qualifies.
If you do not meet these requirements, you may be
able to get Medicare hospital insurance by paying a monthly premium. A
person who has between 0 and 29 credits for Social Security benefit
purposes, can get hospital insurance by paying a monthly premium of $441
in 2013. A person who has between 30 and 30 credits can also get
hospital insurance by paying a monthly premium of $248 in 2013.
Oscar Garcia is a Public Affairs Specialist with
the Social Security Administration. You can direct your questions to him
at: SSA, 411 Richland Hills Drive, San Antonio, Texas, 78245. You can
also email him at Oscar.email@example.com.
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