May 20, 2024


Future Depends on What You Do

Social Stability & You: Extra mailbag issues on gains | Organization News

Previous week, rather of writing a column centered close to just a person Social Safety subject, I made a decision to just reach into my digital mailbag (my electronic mail inbox) and response regardless of what queries I pulled out of there. But I ran out of column house prior to I ran out of questions. So now, far more random Social Safety inquiries and answers.

Q: I submitted for my Social Safety retirement positive aspects over the telephone this morning. But to be sincere, I was not all that amazed with the clerk who took treatment of me. Now I’m fearful that he will mess up the quantity of my Social Security reward and I will not be paid out effectively. Is there everything I can do?

A: What you can do is halt worrying. Nearby Social Stability associates aren’t truly involved in the computation of your Social Security reward. All Social Security rewards are figured by the Social Protection Administration’s national computer program. And that system has a impressive document of precision. So, I’m confident you will be paid out effectively.

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Q: We have a somewhat unique marital dynamic than most couples. My wife is the principal wage earner. She has generally designed far more income than me. Or to set that one more way, I’ve often manufactured a good cash flow, but my spouse (a health practitioner) has designed a terrific revenue. As we are now approaching retirement age, is there anything specific we have to have to know about Social Protection?

A: Not genuinely. Social Protection is fundamentally gender neutral. In other words and phrases, the exact same advantages that are paid to wives are also paid to husbands. And just as a spouse is constantly paid out her possess reward initially, so also will you be paid your have Social Security retirement reward. Only after that will they look to your wife’s document to see if you can get any added spousal benefits. But because the spousal amount (for a spouse or husband) is only somewhere amongst 30% and 50% (dependent on your age when you file), it is uncertain you will get any husband’s positive aspects on your wife’s history. That is, when she is alive. If she dies just before you do, and assuming you meet all the eligibility requirements, you will get widower’s gains on her history, which can be as superior as 100% if you are about your whole retirement age.

Q: I am just turning 62. I was heading to hold out until eventually age 67 to file for my Social Security, but I’m worried that Congress is heading to pull the rug out from beneath me and cut rewards or start out indicates-screening gains. So, I’m wondering of submitting now. What do you believe?

A: I assume you must hardly ever make a Social Protection final decision centered on politics. There is no query that somewhere down the highway, Congress is going to deal with Social Security’s pending monetary shortfall. But I will bet my next Social Security check out that when they do, the reforms they occur up with will have a long direct-in time. In other text, individuals improvements will not influence around-expression retirees, but alternatively individuals who could possibly be retiring 10 or 20 or even much more many years from now. For example, when they raised the retirement age from 65 to 67, they did so gradually more than a span of about 40 yrs.

Q: I was married for 22 years to a wealthy gentleman, but we divorced when I was 54 many years old. A few years later on, I married the person I’m nevertheless married to today. We are the two 68 and we just about every get our individual Social Stability. He will get about $2,400 and I get $1,850. My initially spouse just died. Is there any way I can get any of his Social Protection?

A: Due to the fact you remarried right before the age of 60, you can not get benefits from spouse No. 1 as extended as you are married to partner No. 2. I really don’t want to plant any ideas in your head, but if you divorced your current husband, you could transform all around and decide up widow’s positive aspects from your 1st partner. Then you could just preserve residing with your 2nd spouse. Or if it is from your scruples to just live with a man, you could flip close to and remarry him — and due to the fact you would be remarrying immediately after age 60, you could go on to obtain your widow’s positive aspects from your initial spouse. But in advance of you go through all people shenanigans, you ought to check out with the SSA to find out what your widow’s benefit would be from the to start with spouse. Assuming he did not employ some variety of payroll tax-dodging techniques, I’m assuming it would be in the $3,000 for every month variety.

Q: How arrive you never produce about Medicare?

A: Simply because, frankly, I really don’t know all that considerably about it. Even though Social Security and Medicare are connected with every other, they are two fully individual authorities systems. I worked for the Social Security Administration for 32 decades. I in no way worked for the Centers for Medicare and Medicaid Products and services (the federal agency that operates Medicare). They produce an simple-to-fully grasp guidebook known as “Medicare and You 2022.” You can get a free duplicate at If you’d like some personal aid, I can steer you in the ideal route. You want to chat to a SHIP. That stands for State Health and fitness Insurance policies Program. SHIP counselors are experienced to help folks with their Medicare difficulties. To discover the SHIP nearest you, go to

Q: I’ve generally puzzled: Why doesn’t the Social Protection Administration have an easy-to-don’t forget cellular phone selection? Probably anything like 1-800-SECURIT.

A: Fascinating issue. And I know a small some thing about that mainly because at the time the SSA was location up a nationwide 800 selection process, I sat in on conferences in which SSA executives have been attempting to come to a decision which amount to use. There had been pretty much hundreds of recommendations, which include yours. I just cannot keep in mind now why they eventually chose to go with 800-772-1213. I do know it was originally promoted as 800-SSA-1213. But as opposed to the FBI or IRS or other governing administration agencies regarded by their initials, very couple people today definitely know that SSA stands for the Social Security Administration. So, they eventually determined to current and boost the amount only as 800-772-1213.

If you have a Social Protection dilemma, Tom Margenau has a e book with all the answers. It is known as “Social Security: Simple and Clever.” You can locate the ebook at Or glance for it on Amazon or other ebook stores. To locate out a lot more about him and to go through previous columns and see attributes from other Creators Syndicate writers and cartoonists, check out