Senior Living


Health & Spirit

Social Security and You: 'Notch Babies' Now Reaching Century Mark -- and They Are Still Mad!

'Notch Babies' Now Reaching Century Mark -- and They Are Still Mad!

There is a group of very old people out there who, for decades now, has been misled into believing that they are being cheated out of Social Security benefits. I'm talking about folks who are now pushing the century mark -- in their mid-to-late 90s and beyond. And that means ...Read more

Social Security and You: Working While Getting Disability Benefits

Q: I am 57 years old and getting Social Security disability benefits. I understand I can work and make $46,000 and still keep my disability checks. But how much can I make when I reach age 62?

A: I'm afraid you've really got things mixed up. The $46,000 figure you cite applies to retirees in the year they turn age 66. And nothing is going to ...Read more

Social Security and You: I'm a Hit with the Ladies!

I'Don't tell my wife, but if my inbox is any indication, I'm a big hit with the ladies! I have a hunch I get more emails from women around the country than any other old goat my age who isn't rich or famous. Alas, they are just asking boring old Social Security questions. Here's the latest batch.

Q: You write a very confusing column. You ...Read more

Social Security and You: More Questions About Benefit Start Dates

Q: I will be turning 70 in July 2018. I wanted to delay starting my Social Security benefits until then. When should I apply? And will I get any retroactive benefits?

A: You should sign up for Social Security benefits two to three months before you want your benefits to start. You said you wanted to wait until age 70, in other words, July, to ...Read more

Social Security and You: Shutdown Silliness

As I am writing this, the government is in the middle of another of its silly shutdown soap operas. But my hunch is that by the time you read this, the shutdown will be over. The news seems to indicate that Congress will pass a temporary funding measure that will last until about Feb. 8, when we may very well go through this all over again.

I'm...Read more

Social Security and You: 'Living in Sin' No Longer Required to Get Social Security

Q: My mother told me she remembers a time when women had to "live in sin" (those are her words) to avoid losing Social Security benefits. She couldn't elaborate, but she thinks some senior women still have to do that today. Do you know what she is talking about?

A: Yes, I know exactly what she is talking about. It has to do with the payment of ...Read more

Social Security and You: Question on Online Application Form Still Confusing Many

About two months ago, I got a question from a reader that I had never received before. (And believe me, that is unusual. I thought there wasn't a single Social Security-related question I haven't been asked a hundred times before.)

The unique question had to do with how to answer a specific question on the online application form for Social ...Read more

Social Security and You: Turning 66 in 2018? Consider Filing for Benefits This Month

I write a column similar to this one every January. But I don't mind plagiarizing myself because it contains a very important message for people planning to retire in 2018.

January is a critical month for the hundreds of thousands of potential Social Security beneficiaries who are reaching 66, their so-called full retirement age, in 2018. The ...Read more

Social Security and You: Update for 2018

It has been my custom for most of the past 20 years to write a year-end column that summarizes the Social Security changes and updates scheduled to take place the following year.

Almost all Social Security beneficiaries are familiar with the most popular and publicized upcoming change: the increase in monthly benefit checks for 2018 due to the ...Read more

Social Security and You: My Christmas Wish List for Social Security

Dear Santa,

I've been a good kid this year. Well, I've occasionally been naughty. For example, I was a bit of an impish bad boy when I penned last week's open letter to President Trump. But if the emails I get from readers telling me that they appreciate the information and advice I dispense in this column are any indication, I think I should ...Read more

Social Security and You: An Open Letter to President Trump With a Christmas Gift Idea

Dear Mr. President,

I hear that your presidency is off to a rocky start. That swamp you said you'd drain seems to be getting muddier and murkier. On the other hand, you have appeased your base of government-bashing supporters by ordering federal agencies to slash their funding by 15 percent, including the Social Security Administration. I wrote...Read more

Social Security and You: Split Marriage Adds Up to No Benefits

Q: I am 66 years old. I am getting my own Social Security retirement check, but it is rather small -- just shy of $1,000 per month. I tried to get benefits from my deceased husband's record but my claim was turned down. They said I wasn't married long enough. But I was married for a total of 10 years. Can you please review my case and tell me ...Read more

Social Security and You: Guessing at Answers to Unedited Questions

I get about a hundred questions emailed to me every week. And I put as many as I can into this weekly column. As you might think, I sometimes have to summarize or rephrase the question to make sure other readers understand what the questioner was asking.

But today, I thought it would be interesting to offer you an unedited glimpse into some of ...Read more


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