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AARPMiller
Contributor ⭐
September 27, 2011

Share your concerns about Social Security

  • September 27, 2011
  • 337 replies
  • 188113 views

1)     In the article,  Social Security Fears, many Social Security myths are addressed. What concerns you the most about Social Security? 

    This topic has been closed for replies.

    337 replies

    Contributor ⭐
    August 16, 2024

    I am retired postal employee from the old days I started with USPS back when I was paid $1.25 per hour. We did not pay into SSA at that time therefore I understand being non eligible for Soc Sec benefits for that employment. However, I worked and paid into SSA for 20 years not related to USPS and during that time based on my income and how much I paid into Social Security I received annual notice from SSA what my benefit would be upon age 66 or 70 and it’s was always listed as $1200 or$1500 as the years went by. When I became 66 and applied for Soc Sec I was told “Oh no sir, you’re retired USPS and are only entitled to $600 per month max no matter how long or how much you paid in, It’s the law.” I asked how much would a foreign born person who arrived here at age 46 and became a citizen and worked for 20 years at same rate of any I made and paid into SSA how much would their benefit be. I was told $1500.00 per month. But that person’s benefit is not regulated or reduced by Federal law for being a retired postal employee. 

    This is unfair and I want AARP to fight for all of us retired postal employees to be allowed SSA benefits at least equal to what any other person would be entitled to for how much we paid in excluding the ancient USPS employment when we did not pay in. We know we deserve nothing for not paying into SSA, but we sure as heck should be treated equal to all other citizens for amount we did pay in. 

    willAARP go to bat for us? 

    August 16, 2024

    Here is how your benefit is figured and the reduction table based on other years where you worked and paid into the SS system.

     

    Edited to add the link

    SSA.gov - 2024 - Windfall Elimination Provision

     

    They figure it like this for everybody.  It also explains why.  

    Social Security benefits give as higher return of benefits to LOW INCOME earners - at the time your benefit statements were pulled that is what they were considering you because they did not know that you had employment where you were not paying into the SS system.  If you didn’t pay into the system under the government job the SSA did not know this was the case until you filed for benefits.  

     

    I am pretty sure that those old benefits statements give a caveat about how benefits are figured and since the change in computation in 198?, they mention the WEP.  

     

    It doesn’t matter WHO the person is - they pay in what they pay in over the life of their career, their salary is what it is from year to year, the benefits are figured using the same formula as everybody else - with WEP and GPO included if that is the case.  Low income earners get the increased benefit.

     

    If you had worked those 10 more years and paid into the SS system, your WEP would be lower or disappeared all together.  It is the same for everybody - My neighbor worked for a school system for 25+ year - earned a great pension and also had a side job (self-employed plummer) for 30 years which he paid his taxes and both parts of the SS & Medicare contributions - employee and employee part.  He came out real nice.  He planned this.

     

    Maybe the SSA should give people in your situation the option of paying back the SS withholding on their government salary - employee and employer part + interest too for the number of years that they need to get rid of the WEP deduction.  it would be quite a chunk.  

     

    The only reason for this WEP reduction is to remove/reduce the effects of this low income worker computation in the benefit in the fairest way they can.  Is it right, I don’t know - but probably pretty close.  

     

    We SHOULD have everybody paying into the SS system - no more government job exclusions - even today, we have them in state government - you know why right ?  Cause those governments don’t want to pay the matched portion.  Or they would have to reduce the part going towards the employees pension.  

     

     

    Contributor ⭐
    January 31, 2024

    I was just reading about SS being that it is going broke. I think it is time people on SS need to along with AARP members file a suit against the government. Have our lobbyist to get on politicians to go back to REPAY money taken by the Bush Administration to the tune of 1.7trillion dollars. Giving away so much money to other places time to give the people there money back. That amount would keep SS solvent for many years. When will they pay back with interest like was agreed to.

    Contributor ⭐
    July 17, 2024

    I strongly agree with you and collect fica on all earnings and don’t let the high earners stop paying at the government set amount. This is so simple but our politicians don’t understand or know how to do it. SS would never be in trouble if this would become.law. If they won’t fix it then we the people will have to petition to get it on the national ballot and vote on it. Congress can’t get anything done anymore so we might have to do it the hard way.

    Contributor ⭐
    December 3, 2020

    I am a Senior 71 and have a Social Security account but I am unable to sign in to the account because I never receive a text message on my phone to confirm entry and access to the account. A message never arrives on my phone and I have a good connection and this Text confirmation issue only happens with SS.

    Additionally, I am entitled to a stimulus check and never received #1  one and all my tax returns are current and I qualify. I am still working and contributing to SS and do not understand why this is happening if it is only me or happening elsewhere. Thanks.

    Contributor ⭐
    September 4, 2020

    RE Current Social Security Advocacy email Campaign:

    I support Social Security BUT your advocacy email form/software requires the full 9 digit zip code!
    I know you provide a link to USPS but NOBODY WANTS TO GO TO THAT TROUBLE!
     
    THE 9 DIGIT ZIP IS NOT THAT IMPORTANT!!!
     
    YOU ARE LOSING A HUGE POPULATION OF SUPPORTERS AND RESPONSES OUT OF FRUSTRATION!
     
    YOU THINK 119,524 IS A GOOD RESPONSE OUT OF 38 MILLION MEMBERS? THAT'S 0.314% 
    THAT IS A COMPLETE FAILURE & A WASTE OF OUR MEMBERSHIP DOLLARS AND OUR MEMBERS!
     
    Please contact the AARP Grassroots Advocacy team to correct this problem.
     
    PLEASE CHANGE YOUR SOFTWARE TO ASK FOR ONLY THE STANDARD 5 DIGIT ZIP ASAP!!! YOU WILL INCREASE RESPONSES 100 FOLD! THANKS
    Contributor ⭐
    August 26, 2020

    I see AARP sent a letter to President Trump on August 13, 2020 asking for details on his plan to eliminate payroll tax which for 85 years has funded our Social Security benefits. Has there been a response from the White House? How will AARP advocate for us on this important topic?

    Contributor ⭐
    August 1, 2020

    I have a daily fear that my SSDI. benefits will be stopped or reduced for no valid medical explanation  .Just the government trying to terminate deserving recipients benefits .

    Contributor ⭐
    August 1, 2020

    I am a 56 year old  who is currently going through my first CDR. I   have been receiving SSDI benefits since 2014 and am wondering if any AARP members  have been through a CDR and what was their experience with the process.

    August 2, 2020

    @ChristopherS744798 

     

    Hopefully, I can ease your anxiety over this.

    CDR's are a normal course of reviews for many on SSDI unless their condition is deemed terminal or is one of the many listed on the Compassionate Allowance list - which are incurable and very debilitating.  For each of the major body systems, the Compassionate Allowance and other diagnosis lists considers maladies so severe that it prevents a person from completing substantial gainful activity. If your condition is not on the list, they have to decide if it is as severe as a medical condition that is on the list. If it is, They will find that you are disabled.

     

    Your condition must significantly limit your ability to do basic work such as lifting, standing, walking, sitting, and remembering – for at least 12 months.  But since many conditions aren't life threatening or completely debilitating,  The use of CDR's is used to determine improvement or not.    The medical CDR's.  gives you the chance to document further your disability.  I believe there are also financial CDR's but that may be just for SSI beneficiaries.

     

    If you have been on SSDI or even SSI for and this is the 1st one that you have gotten then it is most likely rated as a severe condition,

     

    Social Security uses this as a guidance on scheduling CDR's:

    The SSA assigns individual review schedules ranging from every six months to every seven years based on the likelihood that you will experience medical improvement. If medical improvement is:

    • “Expected,” the case will normally be reviewed within six to 18 months after benefits start.
    • “Possible,” a case will normally be reviewed no sooner than three years.
    • “Not expected,” the cases will normally be reviewed no sooner than five to seven years.

    :You seem to be in the "not expected" measure.

     

    Read over this and if you have more questions, I will try to help you.

    ALLSUP: Ten Key Facts You Need to Know About Continuing Disability Reviews 

     

    Once you turn in your CDR - you will be advised if a true physical for medical review is necessary - probably not in you case. 

     

     

    Contributor ⭐
    May 29, 2020

    Ok. I read that getting royalty checks from music is ok but if you go on vacation or basically have to pay 700 dollars for a clutch they'll take your check. I mean imagine always being broke and a song fixed it to where you're not rich but you have some extra money. I don't feel you should lose your check just because you basically had to get a car repair and probably had been driving it without a clutch for 2 years. I know I'm not allowed to save but 7 grand. So what if I took the royalty checks and just saved them. Not spend tons of money and once I got enough then I could make it. But it's like you can't get ahead. So I'm trying to figure out what to do when I start getting paid.. I'm not gonna lie. I'll report it if it 10 thousand or more. Isn't that the rule? But if I get 10 thousand dollar checks 12 months in a row I'd have to split that up into monthly payments if I'm smart and it wouldn't last me 7 years due to inflation. Now I don't count on getting much. Maybe a couple of hundred but if I get enough I'll keep what I worked for as long as I can. I paid in every time to draw what I draw. Nobody is giving it to me. The govt takes that out and uses it interest free but always want reasons to take it. So how do I avoid losing my check if I start seeing some good money off of my songs. People recorded them for free and did videos for free cause they knew I didn't have any money. But this money coming back would be a ret urn on what I did have to pay for and also updating. So technically I'd be getting money back that I invested. So there would be no profit to it. Singing a 3 minute song is a lot different than gruelling in a factory 60 hours a week. If a car has ball joints that go bad you just replace them. When that stuff happens to a person their lives are changed forever. Thank you for reading. 

    Contributor ⭐
    January 3, 2019

    I have an issue with social security saying i owe an overpsyment and i have asked for an appeal. They havent gave me my date yet but they took my tax refund. I am found guilty and punished without the chance to defend myself is this correct?

    Contributor ⭐
    January 3, 2019

    Sounds like Social Security overpaid you in prior months and IRS is paying itback  from your tax refund. 

    Why is SS claiming they overpaid you?  You should have gotten letter explaining what you owe back , how its was computed, and why.  If you are talking a few hundred dollars,  can't SS take it out of you future checks assuming SS is right.  Or if you are fraudulently getting SS, (say $10-20K in past payments), you need a lawyer to defend you cuz you willingly committed fraud.  Some people dont tell SS when a parent died, still getting monthly SS checks (and cashing them)  for deceased.  They think SS and US wont find out...WRONG!!!

     

    Contributor ⭐
    May 16, 2018

    No concerns at all. Everything is awesome.