Hi Larry
I turned 66 and retired, this yea,r and had to apply for medicare, I am living on 30,000 and year and wondering how it helps to try not to take social security when medicare is going up again this year? The hold harmless rule applies to those who are on social security now, but it causes chaos to seniors who are not taking it yet. Aren't we really losing money?

Hi,

Everyone's circumstances are different, so you may or may not be losing money by not filing for benefits now. You should consider running the maximization software available on this website in order to sort out all of your filing options and decide on the best strategy for you.

Best, Jerry