Senior Living



Social Security and You: 'I'll Tell You What's Wrong With Social Security!'

Every single day, more than a few of the emails I get from readers start out with this (or a similar) phrase: "I'll tell you what's wrong with Social Security!" They then proceed to tell me just that. Sadly, almost always, their little rant is based on a misunderstanding of Social Security rules or misinformation they picked up -- usually off ...Read more

Social Security and You: Plan Ahead

I was just looking at a photo album with highlights of a memorable trip my wife and I took to Europe a few years ago. And in looking at a few of those pictures, something struck me that I can associate with some Social Security-related questions and concerns I get from readers.

One set of photos shows us outside the ornate gates of the Palace ...Read more

Social Security and Women

I really don't have any way of knowing this, but I'm guessing the majority of my readers are women. And that guess is based on the fact that I get far more emails from women than from men. Today's column has questions covering a variety of topics from some of my female fans.

Q: I just turned 62 and am not working. My husband was a mental abuser...Read more

Social Security and You: Mom and Pop Businesses and Social Security

More than a few husbands and wives are involved in some kind of mom and pop business. And over the years, I've learned that many of those moms get the short end of the stick when it comes to Social Security. Or more specifically, to the assignment of earnings from the business to Social Security records.

I don't have any statistics to back this...Read more

Social Security and You: Less for Others and More for Me

I get hundreds of letters from my readers every week. And from them, I can glean a lot of insight into some facets of the American character. One thing I've learned over the years is that many Americans claim they want smaller government and fewer benefits from that government. But when I read their letters, what they are really saying is this: ...Read more

Social Security and You: Identity Theft and Social Security

Q: My purse was stolen, and now I worry that someone might be using my Social Security number. I called the Social Security office and was told to contact credit-reporting agencies and possibly the police. And they gave me some website to look up. It seems to me they should have done more. Can't they just cancel my old number and give me a new ...Read more

Social Security and You: Paper Social Security Checks Still Out There

President Donald Trump's ongoing battle with the U.S. Postal Service and its funding has a small fraction of elderly Social Security recipients worried that there may be future disruptions to the delivery of their Social Security checks.

"Wait a minute!" I can hear many of you saying. "What do you mean by 'delivery' of their checks. Doesn't ...Read more

Social Security and You: Disability Benefits Are Not Welfare

It never ceases to amaze me how millions of misinformed Americans think that Social Security disability benefits are some form of welfare. They think Congress tacked on the program to the original Social Security Act as a kind of afterthought to provide benefits to the poor and indigent. (And the really nasty naysayers out there think it is a ...Read more

Social Security and You: Trump and the Future of Social Security

My inbox has been inundated with emails from worried senior citizens who tell me they have heard that President Donald Trump will end Social Security if he is reelected and that the trust funds will dry up in 2023 and all Social Security checks will stop going out.

I can't imagine the president has plans to end Social Security. But it doesn't ...Read more

Social Security and You: Social Security -- Don't Drop the Ball

I frequently get emails from people who have lost out on Social Security benefits they might have been due. And they are looking for somebody to blame. They usually don't like it when I have to turn around and tell them it is their fault.

I'm not a huge sports fan. In fact, it's interesting that, in our family, my son and I are just barely ...Read more

Social Security and You: When in Doubt, File a Claim

I'm going to start this column at the bottom! Or, rather, with the bottom-line message I want to deliver today: Whenever you think you might be due any kind of Social Security benefit, insist on filing a claim for that benefit. You have every right to do so. Before I clarify that message, let me give you some background.

For part of my 32-year ...Read more

Social Security and You: Internet Lies About Social Security Never Go Away

There are so many Social Security-bashing screeds floating around on the internet. Some are full of a few half-truths, but most are outright lies. I could spend every one of my weekly columns just trying to set the record straight.

These things get passed around via emails from one gullible and naive nitwit to the next. Today, I'm going to ...Read more

Social Security and You: The Windfall Elimination Provision Should NOT Be Repealed

My inbox has been flooded with emails from retired or soon-to-be retired public employees who don't even pay into Social Security. They are writing to complain about a law called the Windfall Elimination Provision, or the WEP, that reduces any Social Security benefits they have earned while working at other jobs where Social Security taxes were ...Read more



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