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Re: Share your concerns about Social Security

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Message 31 of 322

I have a question.  I have a Civil Service Retirement (CSRS) and I worked a part-time job during my working years to support my son after my divorce.  I am currently 69 years old.  I am remarried.  I collect my CSRS retirement now and 4 years ago wanted to start collecting social security.  I was told I could only collect an offset portion because of my CSRS retirment.  Originally it was supposed to be $1300 but now I only get $310.  This was not what I was counting on since the last three years of employment I made $52,000 and paid into SSA.  Is there any recourse?

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Re: Share your concerns about Social Security

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Message 32 of 322

LBJ used the SS monies for other purposes and it will never be paid back. The same as the highway

transportation monies and now our representives cry that the bridges and highways need repair.

Our congress and senate start with the right intentions, then join the old boys club and take of themselves and not the people that elected them. Whoops I thought the Clinton's were broke.

 

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Re: Share your concerns about Social Security

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Message 33 of 322

@Svrlrr2008 wrote:

I have a question I have been married for6 years now my husband told me we will have to get divorced in the future to be able to claim befits. Him his and me mine is this true ? Really concerned about this. 


NO, it is not true.  Maybe he was just messin' with you ! ?   Married partners sometimes do that - Best to understand it yourself because it is YOUR benefit that each of you have supported (contributed to) through your working years.

 

But if a divorce rears its ugly head in the future, make sure you stay married at least 10 years, in case the spousal benefit is bigger than your own benefit.

At the 10 year marriage mark, Uncle Sam thinks each party is then vested.


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: Share your concerns about Social Security

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Message 34 of 322

I have a question I have been married for6 years now my husband told me we will have to get divorced in the future to be able to claim befits. Him his and me mine is this true ? Really concerned about this. 

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Re: Share your concerns about Social Security

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Message 35 of 322

@r431746r wrote:

I agree 100% .  Why should an ex be able to collect based on the ex spouse SS?  My ex took off for Mexico after the divorce and I collected not one penny of child support for my 2 girls.  Now that I am retired he is back in the country and collecting SS based on all MY years of working!!  Is this right???!!!


 

According to the SSA, an EX-spouse had to have at least 10-years in the marriage with you in order to be able to qualify for this type of benefit so I guess they feel like you owe them.

 

Personally, I think the marriage should have last a lot longer - like a minimum of 20 or more years.

 

There was always court action to get the child support as soon as you knew they were back in the states.  Seems you should be able to get reimbursed for all that child support, at least up to the amount the ex is getting based on your SS record.   🤑


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: Share your concerns about Social Security

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Message 36 of 322

I agree 100% .  Why should an ex be able to collect based on the ex spouse SS?  My ex took off for Mexico after the divorce and I collected not one penny of child support for my 2 girls.  Now that I am retired he is back in the country and collecting SS based on all MY years of working!!  Is this right???!!!

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Re: Share your concerns about Social Security

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Message 37 of 322

@dp82921240 wrote:

I am an educator in Texas. When I moved here I was unaware of this windfall provision I'm very concerned that I will not be able to collect full Social Security benefits at age 66 presently I am 60 what can be done to change this provision?


Here is the SSA pamphlet (2016) on the Windfall Elimination Provision

https://www.ssa.gov/pubs/EN-05-10045.pdf

 

There is logic in this computation of this reduction of the SS Old Age benefit; the way it is now computed or the way it was computed prior to 1986.

 

Simply put, you worked for a (government) employer that did NOT participate in the Social Security program during your working years with them.  That, in and of itself, reduces any SS benefit which you may have earned while working for an employer who DID participate in the Social Security system.

 

 


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: Share your concerns about Social Security

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Message 38 of 322

I am an educator in Texas. When I moved here I was unaware of this windfall provision I'm very concerned that I will not be able to collect full Social Security benefits at age 66 presently I am 60 what can be done to change this provision?

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Re: Share your concerns about Social Security

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Message 39 of 322

recently I was forced to return to the work-force at 66 after 4 years of retirement and with Republicans in controle I will probly have to work till I die on the job It is a shame that the wealthyest country in the world forces it's seniour citizens to live in poverty there will be no Social security for our grand children 

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Re: Share your concerns about Social Security

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Message 40 of 322

@DanWass2016

 

The Board of Labor Statistics figures the CPI each year; in fact, they do several different varieties.  The COLA for SS benefits are based on the CPI-U and includes most everything that a consumer has to have - including rent, or rent equivalence, food, transportation cost, medical cost, etc.  

 

in 2016, they began to give spending on medications a slightly larger weight.

All of these measures come from data they have collected on specific time frames during the year by surveys, and questionnaires from a targeted group.

 

if one of the items being analyzed goes up and anther goes down, they don't completely wipe each other but they do affect the bottom line.

 

We do have LOW inflation and have had for the 8 years.   The biggest culprit in 2016 was energy since the price of gas began to fall rather abruptly and energy prices have a high weight in the CPI computation.

 

IF in 2016, we had gotten a COLA, it would have been VERY meager and we would have also had an increase in our Part B Medicare premiums because of the "hold harmless" part of the law.  Those who were new to Medicare in 2016, have to pay more for their Part B premiums because these folks are not covered by the "hold harmless clause" - it only covers those who are already in the program from year to year.  For the rest of us ( those who were already on Medicare ), we are just floating our amount due.

 

It is not looking too good for a 2017 COLA either - the formula is set by law so it is not just an individual, a legislative branch or even our CEO ( President ) making the call.  

 

But if we do get a COLA for 2017 - most of it will be used to pay higher Part B premiums because Part B expenses have risen over the past 2 years.

 

So unless the COLA law is actually changed by Congress and signed by the President, we will continue along this path.  BTW, there are more benefits than just SS tied to this CPI - SSI, Veteran and Veteran Survivors, federal employees.

 

It is like the old adage - "you have to spend money, to make money" so we need people spending to heat up this economy but on the other hand, Uncle Sam wants to keep interest rates low because of the amount we have to pay on interest on our debt.  

 

An economic vicious cycle . . . . 

 


* * * * It's Always Something . . . Roseanne Roseannadanna
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