Do I Need To Do Anything Regarding Medicare?
I will be turning 65 this August and I work full time and I am covered by my wifes medical insurance. Do I have to do anything as far as Medicare if I will continue to work full time and will be covered by wifes medical insurance going forward? Thank you.
Hi. You don't need to do anything as long as a) your wife is actively working, b) your covered by her employer group health plan (EGHP), and c) there are at least 20 employees covered under the EGHP. You could sign up for Part A of Medicare since it's premium free, but it's not required as long as you're . . . Read More
Category: Medicare
Posted: Jun 6 2021 - 9:48pm
Does My Wife Have To Wait Until I Actually Begin Collecting SS To Draw Spousal Benefits?
Hi Larry,
I am 53 and work full time. My plan is to begin collecting SS at my full retirement age of 67 (though I would like to retire sooner). My wife is 62, does not work due to disability and collects SSDI. At my current earnings rate, my SS benefit would be about $3153/mo. My wife's SSDI is currently about $1050/mo. In order for my wife to be able to collect spousal SS based on my earnings, do we have to wait till I actually begin collecting SS? Due to our age difference, that would put as at a disadvantage since she would be 76 before I plan to collect.
. . . Read More
Category: Spousal Benefits
Posted: Jun 6 2021 - 1:56pm
What Do I Do If I Need A Wheelchair Due To MS?
I need a wheelchair! I do not WAN ths but as my legs no longer co-operate with my wishes *Blankety-Blank* Blank MS!* it seems a neccecity!
Hi. I wish I could help you, but my expertise is limited to Social Security benefits. If you're drawing Social Security disability (SSDI) benefits or if you're at least age 65 then you probably have Medicare, and Medicare may be able to help out with the cost of a wheelchair if you have a doctor's prescription.
Best, Jerry
Category: Miscellaneous
Posted: Jun 5 2021 - 1:14pm
How Will It Affect My Widow's Benefits If I Work In France?
My husband and I have been married for 10 years and have lived in the United States for 9 years of that marriage. I am a woman who is 34. In 2 months, My husband will soon turn 66 and 2 months, his Full Retirement Age, and he will apply for his social security benefits to begin at that time, and we will also apply for Child In Care and Child Auxiliary Benefits as well as we have a 9 year old child. We have now moved to live permanently in France. If I at some point (whether now or 10/15 years from now), decide to start working in France, how would my work potentially affect my . . . Read More
Category: Earnings Test
Posted: Jun 5 2021 - 7:32am
Will The Windfall Elimination Provision Affect My Wife's Social Security If I Receive A Public Pension?
I worked in law enforcement and have a public pension. My wife worked in a hospital and paid into social security. Does the Windfall Elimination Provision affect my wife’s social security ?
Hi. No. The only way that the Windfall Elimination Provision (WEP) could affect your wife's Social Security retirement benefits is if she receives a pension based on her own earnings that were exempt from Social Security taxes.
Best, Jerry
Category: Non-Covered Pension - WEP / GPO
Posted: Jun 4 2021 - 7:14pm
Do You Know How I Can Expedite Matters?
My husband is a Canadian citizen but worked in the US and began receiving Social Security Disability benefits in 2003 and Social Security benefits in 2010 when he turned 65. As his wife, I just learned that I could receive spousal benefits. I am also a Canadian citizen. I sent in an application for both a Social Security number and Spousal Benefits along with my Canadian passport, my birth certificate and my marriage certificate. According to my postal tracking number the package as received in the Baltimore Social Security office May 3, 2021. As of today I had not heard . . . Read More
Category: Miscellaneous
Posted: Jun 4 2021 - 1:10pm
Can I Get Survivor Benefits?
Larry my husband got killed in 2018 people have told me that I can get survivors benefits cause I have a hearing problem. I would like to know if this is true. I have drawed disability years ago cause of my hearing but stopped drawing cause I got a job. I am 57 years old so can I still get survivors benefits since I am disabled cause of my hearing?
Hi. I'm sorry for your loss. Unless you have a child in your care who's eligible for benefits on your husband's account, you would have to be disabled according to Social Security's standards in order to qualify . . . Read More
Category: Widow's Benefits
Posted: Jun 3 2021 - 9:37pm
Should I Work Full Time And Collect At FRA Or Wait Until Age 70 To Collect?
Is it worth working full time and collecting FRA last June 2020 OR wait until 70 to collect SSN? My tax rate @ 15% and married/filing jointly. My husband is retired and collecting FRA in Jan. 2021.
Hi. I can't give you a good answer without much more detailed information. The decision on when to start drawing your benefits depends on a multitude of different factors, and each person's circumstances are unique. Our software (https://maximizemysocialsecurity.com/purchase) is designed to help . . . Read More
Category: Filing Strategies
Posted: Jun 3 2021 - 9:25pm
Will My Son Receive My Daughter's Portion Of My Deceased Husband's Benefit Now That She's Turned 18?
My husband passed away in 2005. My two children and his older son recieved a monthly check. When his older son reached 18.. His portion was split between my two children. My oldest daughter just turned 18 on May 21st. Will my son recieve her portion? So far this month was just his normal amount.
Thank you
Hi. No, if your son is the only remaining eligible survivor drawing benefits on your husband's account then your son's benefit rate won't change due to your daughter reaching age 18. The maximum surviving child's benefit rate is equal to 75% of . . . Read More
Category: Child Benefits
Posted: Jun 3 2021 - 6:26pm
How Can I Get Social Security To Stop Withholding Medicare Premiums?
The state of FL pays medicare premiums for low income Social Security recipiants. The state is presently paying my medicare. However social security is still removing the premium amount from my check. I cannot find anyone willing to fix the problem. They just tell me it will be fixed next payment.
Hi. Your Medicare premiums should automatically stop being withheld from your benefits when the state puts you on their list of people whose premiums they're paying. If that's not happening, it's probably some type of computer programming issue. The only thing I . . . Read More
Category: Medicare
Posted: Jun 3 2021 - 7:34am
