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Re: Are You Savvy About Social Security?

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Message 31 of 59

WHAT A TOTAL:  "Rip Off"  THAT THIS SYSTEM IS...

"Peranantly Disabled" from a Motorcycle Accident / 2 "Comas"; when I was 35...but they tell me to wait unti I a: 67 to collect my "Social Security" retirement Benefits. When belonging to: "Kaiser" Hospital - they say that I am unable to go to school, go to work, or collect my due financial payments.  How can I live on: $2.14 per hour, Married, and unable to work or make a decent Income - when the government has shut me down completelyt!!!   $300 a month Income?

 

I am making $7.86 under the legal minimum for minimum wage Income.. and not getting retroactive reimbursement for this illegal waiting period... I could work part time,  finish my degree, do anything except continue in this poverty state - I do not even qualify for: "Medical" Benefits, when my wife ears 5 times my Salary; and she is "Permanantly Disabled" also - with a boken neck, broken back, 2 knee replacements, and one hip replacement! 

 

nhra2wheels@roadrunner.com

"Steve"  F.

 

I see plenty of Fools getting: "Food Stamps", "General Relief", driving new cars, not working; but collecting every benefit possible from thre State of California... Broke like the nation wide debt.  Worthless Democrats - don't know what they are doing interntionally in the defense dept but putting rockets up in space / where no one will ever live or breathe with no oxygen - wasting Trillions of dollars, sending troops to Afganistan and Iraq, Etc.  That's why my neighborhood doesn't have steet lights, streets repaired, a Police station, raises taxes - so other rich peope can help pay our debts!!!!!

 

In Germany, there is no cost for Eduacation or Medical expenses to the average person; because it is a know fact that their taxes cover every payent, priviidge, and help pay expenses better!

 

"Obama" has screwed everything up, and now our children have no chance to beat the system - that "Democrats" have ruined. Elect a: "Republican" Governor in California, and a "Republican" President - Very Soon... before it is too Late.  Social Security system has too many mistakes!!!

 

I have been disabled for 21 years and have 12 more to go... when I can work / but have not been paid my Social Security Income; for Retired & Disabled people / entitled to be reimbursed for the very many years of taxes paid W-2 Income taxes; and deductions towards retirement wages!

 

When I can not go to school, go to work, or make my Social Secirity Income - this is more a: Communism than Democracy.. at least Socialism allows more benefits tan the U.S. does; lately!

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Re: Are You Savvy About Social Security?

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Message 32 of 59

 

 am 63. ...I retired last year. was approved and three months later recieved a letter saying that I was overpaid.Isubmitted all of the infformation requested and was lter told that they were right I was overpaid....with held four checks in order to get the money they say that I was overpaid. In doing this I was not aBLE TO PAY BILLS AND SOME THINGS HAVE BEEN CUT OFF. ......They took four hundred dollars form me.......

______________________________________________________________________________________________

 

Overpayments that have to be repaid are an unfortunate fact of life.   People and systems do make errors,  and corrections must be done.

 

However,  that is not your real problem.   Four hundred dollars is a relatively petty amount of money.  Yet,  according to what you wrote,  this amount was the difference between being able to pay your bills and not having things (utilities?) cut off? 

 

You have a far more serious problem.  Where is your emergency fund?  Did you make the decision to retire with nothing more than social security and your state job pension coming in?    Nothing in liquid savings or investments you could draw on for emergencies?  

 

Or were you forced to take early retirement,  eased out of your job involuntarily? 

 

If the lack of $400 had such a dire impact on your standard of living you might want to consider finding  a p/t job to bring in more $.   

 

JMHO

 

 

 

 

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Re: Are You Savvy About Social Security?

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Message 33 of 59

I am 63. I applied for  Social Secirity when I retired last year. I was approved and three months later recieved a letter saying that I was overpaid.Isubmitted all of the infformation requested and was lter told that they were right I was overpaid because I also get a state retirement. They with held four checks in order to get the money they say that I was overpaid. In doing this I was not aBLE TO PAY BILLS AND SOME THINGS HAVE BEEN CUT OFF. Next month I am suppose to start gettig the adjusted payments.They took four hundred dollars form me.I think that is unfair os social security. After all its our money isn't it.

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Re: Are You Savvy About Social Security?

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Message 34 of 59

The real answer is a little more complex. In 2010 the CPI increased by 1.5% yet there was a zero COLA. 

A COLA calculation is made every year. However if the CPI (third quarter average) does not exceed the CPI calculation use for any prior year's COLA then there will be no adjustment. The COLA for 2009, 5.8% was based on a 2008 (3rd quarter) CPI that was not exceeded until 2011 (3rd quarter). Thus there were no COLAs for 2010 and 2011.  So the original question was poorly worded.   

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Re: Are You Savvy About Social Security?

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Message 35 of 59
I don't receive any social security benefit, not because of my birth date or any other reason., but the SS department denied me even though I am a documented, legally admitted US permanent resident, having all types of immigration documents! Besides, I work, pay taxes like any other US citizen.
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Re: Are You Savvy About Social Security?

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Message 36 of 59

Thank you!

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Re: Are You Savvy About Social Security?

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Message 37 of 59

If a spousal monthly benefit amount is higher than what you are currently drawing on your own,  yes,   soc security allows you to choose whichever gives you the higher amount.  

However,  if your ex is still living,   your spousal beneift would be only one-half of what she is getting,  unlikely to be higher than what you are drawing on your own.   But could be,   if you had a record of very low earnings.    But a spousal benefit to you as a divorced spouse would only be available if she has started drawing her soc.  security old age benefits.       

 

 

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Re: Are You Savvy About Social Security?

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Message 38 of 59

Hello,

I am 72. I started drawing SS at 62. I was married for 47 years and divorced 5 years ago. Am I entitled to any of my ex's SS? Thank you.

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Re: Are You Savvy About Social Security?

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Message 39 of 59
rennystaab asked . . . .

I am a divorced widow. Can I take my ex-husbands SS at 66 and then switch over to mine at 70?
==========================================

As long as you were married to your late ex- for at least 10 years.

This is what SS says about it:
" If a person receives widow's or widower's benefits, and will qualify for a retirement benefit that's more than their survivors benefit, he or she can switch to their own retirement benefit as early as age 62 or as late as age 70. The rules are complicated and vary depending on the situation, so talk to a Social Security representative about the options available."

Social Security / Survivors Planner / Social Security Benefit Amounts For The Surviving Spouse By Year Of Birth

http://www.ssa.gov/survivorplan/survivorchartred.htm

* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: Are You Savvy About Social Security?

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Message 40 of 59

I am a divorced widow.  Can I take my ex-husbands SS at 66 and then switch over to mine at 70?

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