Tell us about yourself:
I'm analytical and good at working with numbers. Since retiring in 2015, I've become more interested with healthy eating and increasing physical activities. Although I've been gardening for 26 years, I've increased my gardens from 200 sf to 250 sf and committed to walking at least 3 miles/day (weather permitting). I've also ventured into making wine which is healthy as well.
Area of knowledge and what I know well:
Employee Benefits including retirement plans (defined contribution and defined benefit), health insurance (self funded and insured), and financial funding both organizational and individual.
Certificates/Awards
Bachelor of Science - Business Administration
05/1974
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All Activity

@sktn77a Hopefully, I am providing a link to statistics from the SSA regarding life expectancy https://www.ssa.gov/history/lifeexpect.html Essentially, the article provides stats based on empirical data regarding life expectancy of 65 year olds (male...
Tonster521 07-31-2021 10:36 AM
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0
Kudos
184
Views
@fffred You may have missed the point of my reply posting which was to provide the PIA formula which clearly indicates the percentages are the same for all SS beneficiaries. In reality, the different percentages occur when the amount of AIME which is...
Tonster521 07-31-2021 10:16 AM
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0
Kudos
193
Views
@fffred I have read and heard many comments similar to yours advising that the higher compensated folks do not receive the same income replacement as the non-highly compensated folks pursuant to the SS provisions. As you may or may not know, SS benef...
Tonster521 07-27-2021 09:34 AM
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0
Kudos
314
Views
@KenT845479 Because the second scenario does not indicate the spouse is entitled to a worker benefit (old age or disability), the SS benefit of $550 is probably a spousal benefit. Spousal benefits are reduced if started before the spouse's Full Retir...
Tonster521 07-25-2021 07:41 AM
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0
Kudos
164
Views
@gware318 I have read and reread your initial post and did not see any mention of a government pension. So, it appears that your SS benefits are affected by the Windfall Elimination Provision (WEP). I am including a link to the WEP.  https://www.ssa....
Tonster521 07-24-2021 11:44 AM
0
Replies
0
Kudos
215
Views
@sktn77a Hopefully, I am providing a link to statistics from the SSA regarding life expectancy https://www.ssa.gov/history/lifeexpect.html Essentially, the article provides stats based on empirical data regarding life expectancy of 65 year olds (male...
Tonster521 07-31-2021 10:36 AM
0
Replies
0
Kudos
184
Views
@fffred You may have missed the point of my reply posting which was to provide the PIA formula which clearly indicates the percentages are the same for all SS beneficiaries. In reality, the different percentages occur when the amount of AIME which is...
Tonster521 07-31-2021 10:16 AM
1
Reply
0
Kudos
193
Views
@fffred I have read and heard many comments similar to yours advising that the higher compensated folks do not receive the same income replacement as the non-highly compensated folks pursuant to the SS provisions. As you may or may not know, SS benef...
Tonster521 07-27-2021 09:34 AM
1
Reply
0
Kudos
314
Views
@KenT845479 Because the second scenario does not indicate the spouse is entitled to a worker benefit (old age or disability), the SS benefit of $550 is probably a spousal benefit. Spousal benefits are reduced if started before the spouse's Full Retir...
Tonster521 07-25-2021 07:41 AM
0
Replies
0
Kudos
164
Views
@gware318 I have read and reread your initial post and did not see any mention of a government pension. So, it appears that your SS benefits are affected by the Windfall Elimination Provision (WEP). I am including a link to the WEP.  https://www.ssa....
Tonster521 07-24-2021 11:44 AM
0
Replies
0
Kudos
215
Views
@sktn77a Hopefully, I am providing a link to statistics from the SSA regarding life expectancy https://www.ssa.gov/history/lifeexpect.html Essentially, the article provides stats based on empirical data regarding life expectancy of 65 year olds (male...
Tonster521 07-31-2021 10:36 AM
0
Replies
0
Kudos
184
Views
@fffred You may have missed the point of my reply posting which was to provide the PIA formula which clearly indicates the percentages are the same for all SS beneficiaries. In reality, the different percentages occur when the amount of AIME which is...
Tonster521 07-31-2021 10:16 AM
1
Reply
0
Kudos
193
Views
@fffred I have read and heard many comments similar to yours advising that the higher compensated folks do not receive the same income replacement as the non-highly compensated folks pursuant to the SS provisions. As you may or may not know, SS benef...
Tonster521 07-27-2021 09:34 AM
1
Reply
0
Kudos
314
Views
@KenT845479 Because the second scenario does not indicate the spouse is entitled to a worker benefit (old age or disability), the SS benefit of $550 is probably a spousal benefit. Spousal benefits are reduced if started before the spouse's Full Retir...
Tonster521 07-25-2021 07:41 AM
0
Replies
0
Kudos
164
Views
@gware318 I have read and reread your initial post and did not see any mention of a government pension. So, it appears that your SS benefits are affected by the Windfall Elimination Provision (WEP). I am including a link to the WEP.  https://www.ssa....
Tonster521 07-24-2021 11:44 AM
0
Replies
0
Kudos
215
Views
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Date Registered ‎03-16-2016 04:09 PM
Last Visited ‎08-03-2021 11:56 AM
Total Messages Posted 115
Total Kudos Received 31
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