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NRI Parents Care
Social Security – NRI Parent’s Income Source in USA

Social Security – NRI Parent’s Income Source in USA

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Senior Citizens in India:

The Ministry of Social Justice and Empowerment stated that India had 103.8 million senior citizens in 2011. This count is likely to rise by 143 million & 173 million senior citizens till 2021 and 2026. The people over 60 years of age, who are called senior citizens in India, would contribute 25 percent to its total population by 2050.

It’s going to be a big challenge for NRIs to prevent them from depression and crime. They would be more vulnerable to these life-threatening causes.

However, it’s not a walkover to combat this challenge. But, the USA government’s Social Security emerges like a silver lining. It helps the NRI to take care of their parents.

You might be thinking how the USA’s Social Security will take care of NRI parents. It sounds a little bit awkward, but it’s true. Let’s have a look over what it is.

What is the Social Security?

It’s a mandatory insurance policy for the old (retired)/disable and surviving people in the USA. According to the Federal Insurance Contributions Act (FICA), the US government derives money from the payroll taxes and self-employment taxes to fund this system.

Every integrated person with this system carries a unique Social Security Number. This number is a key to track record of every beneficiary. American natives hold right to access every bit of information regarding their social security account. The local social security administration office is a competent authority to look into the related matters.

Can Indian Dependent Apply?

Say- you’re 60+ and you want to get benefits of this policy. You won’t get the benefit unless you enrol in this policy. You have to apply, first. If you’re 63 or 63+, your benefits would be more than the one who is 62 years old.

Now, the question arises- are NRI parents eligible to get this benefit?

Answer-Yes, you can be provided that you have earned at least 40 credits under this scheme, or, you have been in the USA for 10 years.

The NRI kids are also covered under this security scheme. If the NRI parents had served at least 5 years, their children can enrol for this security.

Now, you must be thinking about how much money they get.

It purely depends on how much money that the beneficiary has contributed during his tenure as a working person in his life. If it’s more, the size of Social Security would also be more.

What you need to provide to the social security authority?

If you want to enrol your parents under this security, you should submit these details:

  • Address/Change of Address to notify the authority that the beneficiary lives there with family.
  • Did business or worked outside-this information is required from the one of 67 years or more who runs business or who has been working outside the USA.
  • If an NRI child or the native child runs the business, the Social Security authority requires its information. The child’s age won’t be considered then.
  • If you receive disability benefits and later, recover up & re-join the work, you need to inform the authority.
  • If you’re married or get divorced, the security amount will be computed accordingly. Notify.
  • If the beneficiary dies, notify the authority. It will cease the payment and reimburse it of the same month.
  • In case, you can’t manage the security amount, you can appoint any representative.
  • You need to inform the authority that you’ve started receiving pension from work or disability pension that is not covered.
  • Remember that if the beneficiary worked outside, he/she must undergo the foreign work test or annual retirement test. You can get a sneak peek into these tests below.
  • If you fail to notify the authority, it will automatically freeze your account.

Method of payment:

The beneficiaries receive monthly payment through:

  • Cheque
  • Direct bank deposit
  • Direct Express Debit Card
  • Annual amount with tax figures.

Foreign work test: The authority throws a test for the applicants who are below 67 and working outside the USA. It accounts for providing dollars for just 45 hours for such apprentices.

Annual retirement test:

This test is for those who are under 67 years and serving outside the country. It evaluates whether or not your income exceeds the annual exempt dollars. If your exempt dollars are 45, 360 in 2018, you’ll be eligible to get it.

 Disability perks:

If your disability persists, the security benefits will be all yours. But if you recover and join the work again, the authority will pay for 9 months as a trial work period. Later on, it will add the sum for three more months if you continue the work.

NRIs care
How Can NRI Provide Best Parents Care in India from Abroad?

How Can NRI Provide Best Parents Care in India from Abroad?

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NRIs settle abroad by leaving their belongings here in India. Their biggest belonging is their parents. They sigh; they cry; they often chat and even, talk via video calling. But all these efforts are not enough to fill the chasm of their bereavement.

Parents grow old. On reaching such age, they seek the support of young shoulders. They want to rely upon their own grown up children. But the urgency of earning livelihood takes them away. Staying abroad doesn’t deprive them of sensibility & responsibilities towards their parents. And many of them tend to get worried about their old father & mother. This is where they need a help. They search for the person who can take intensive care of their parents.

There are many organisations, like APRIO-Association of Parents of Indians Resident Overseas & BAYADA. Such organisations bear the major responsibilities to provide NRI parents care in India. Thereby, the children can heave a sigh of relief a bit. But they should know how to choose the best care for them.

Let’s start with the basic requirements that are a key to select the best caring partner.

Basic Requirements:

  1. Health Care: Growing age invites many health issues. This is the biggest threat regarding the parents for the NRIs. Therefore, the selection procedure should be critical. Pick the one that is experienced in delivering:
  • Routine health checkup
  • Taking calls
  • Nursing at home
  • Help to disseminate information and many more embedded things.
  1. Financial Care: Money is a basic need to survive in the world. Therefore, they require it for making their living smoothly. Mostly, the pension is their source of earning at that age. But it may not be enough for them.
  2. Companionship: Isolation kills. At the age when the body gives up functioning properly, they need the partner to talk, to get amused and to gossip. Therefore, the selected organization should have proficiency in providing the best companion to the old people.  

How can NRI provide the best parents care in India from abroad?

It’s fine if the non-residents are unable to attend their parents’ need personally. There are many deemed and authorized entities that take care of their parents at a definitive service cost. Since they have the capacity to afford such entities, they can hire them. But meanwhile, they should probe if the hired organization provides holistic parents care or not.

Here are some points that they can bear in their mind while picking up the best one.

  • Attend if they provide monthly & quarterly health assessment.
  • Check if they avail free visit of a physician without any emergency to the parents at home.
  • Know do they provide routine/weekly health checkup by the nurse.
  • Find do they arrange an in-house nurse for meeting emergency requirements.
  • Determine if they have any provision for periodic amusements, like parties, and outings.
  • Identify do they look into arranging conduits for transferring funds via NRO, NRE or FCNR bank accounts of the children.
  • Know do they deal in dissemination of the information, like taking care of the national and international couriers, letters and emails.
  • Seek information over do they set up the inbound and outbound communication, including chat through mobile phone & internet.
  • Identify do they render health assessment report & the feedback of the aged parents to the NRI children.
  • Check if they pay utility bills, like electricity bill, water bill & telephone bill on the parent’s behalf.
  • Determine if they pay tax on the parent’s behalf.
  • Find out if they indulge in conducting banking transactions.
  • Determine if they can collect rental payment from the tenants.
  • Know if they safeguard them by deploying a security guard.
  • Check if they have any provision of the insurance of the old people.
  • Look into if they go for travel arrangements.

How can you select in-house nurse in India?

  • Hire the certified from the Nursing Association of India
  • She should have working experience as well as on-the-job-training experience of at least 3 years
  • In-house nursing experience would be a plus.
  • She should be affiliated & recognized by any deemed hospital or social welfare agency.
  • Access all previous working experience reports for verification via a reliable source.
  • The physician of the family should interact with her to know about her abilities and potentials. He must communicate the responsibilities to be undertaken.
  • Police verification must be undertaken before employing her.

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