Senior Living



Social Security and You: The 3 Rules About Social Security Checks Everyone Should Know

There are some basic facts about when and how Social Security checks are due and delivered that confuse many people. To help you understand, here are three rules about getting Social Security checks that everyone needs to know.

No. 1: Social Security benefits are paid one month behind. In other words, the benefit payment for May will be sent to...Read more

Social Security and You: The Good Old Days of Social Security

I've been writing a book for years now. It's not going to be a bestseller, and it only has to do with Social Security in a peripheral way. It's a history of my life, my wife's life and our lives together (about 47 years so far). I'm writing this collection of stories for my children and grandchildren and for their children and grandchildren. ...Read more

Social Security and You: Social Security Disability - The Program Everyone Loves To Hate

I was heading into a local grocery store the other day, and I noticed a few people gathered around a car parked in one of the spots reserved for people with disabilities. I heard someone yelling. As I got closer to the car, I saw an old guy ranting and raving at the driver of the car, a woman maybe in her mid-40s. There was a younger man in the ...Read more

Social Security and You: I Don't Get the Allure of Retroactive Benefits

I just don't get people's fascination with the idea of getting retroactive retirement benefits from Social Security. I can understand that, on the surface, the idea of getting a big retroactive check from the government might sound like a financial windfall. But when you think it through, or at least when I think it through, it just doesn't make...Read more

Social Security and You: You Are Not Getting SSI. You Are Getting Social Security!

You Are Not Getting SSI. You Are Getting Social Security!

Every single day, I get emails from readers that say things like this: "My wife and I are getting SSI. And we would like to ask you some questions." Or this: "My SSI check is $2,140 per month. My wife's SSI check is $1,800. Can she get any of my SSI?"

You know the uncomfortable feeling ...Read more

Social Security and You: Social Security -- It's Not Rocket Science

I am constantly hearing from readers who comment on the perceived complexities of Social Security laws. They liken the program to something just shy of rocket science or brain surgery. And they marvel that I can keep up with "all the changing and complex rules and regulations."

Well, I am no rocket scientist. Nor am I a brain surgeon. Not even ...Read more

Social Security and You: Don't Lose Sleep Over Future Cuts to Social Security

Readers are always telling me they are worried about the future of Social Security. And they say they are inclined to file for Social Security benefits before they originally planned to because they are convinced benefits will be dramatically cut as part of any upcoming Social Security reform. They plan to do this because they want to be "...Read more

Social Security and You: Retirement Benefit Calculation -- the Advanced Course

There are two kinds of people in the world. Those who just want to know the time and those who want to take the clock apart to see how it works. I'm sure most of us fall into the first category. I sure do. But of course, there are always those who need to disassemble that clock, examine it and then try to put it back together.

And when it comes...Read more

Social Security and You: Decline in Social Security Staff Equals Decline in Social Security Service

Imagine that you owned a successful business that was gaining 10,000 new customers every single day. And all the market projections said that trend would continue for many more years. Would you be hiring new staff and opening new outlets to keep up with the demand? Or would you be cutting back on employees, reducing office hours and closing ...Read more

Social Security and You: Seniors Obsess Over 'Maximizing' Their Social Security

"I want to make sure we maximize our Social Security payments."

"I am very concerned that we will make a wrong decision and leave Social Security money on the table."

"My wife and I both took our benefits at 62. We are now in our 70s. Everyone I talk to says we made a huge mistake by starting our benefits early. I am so worried that we did ...Read more

Social Security and You: No Social Security in Prison

I was recently going through some old family photo albums with my grandkids. One album covered the reasonably short period of time we lived in Sioux Falls, South Dakota. In fact, we only lived there for about eight months. If you want to know why we didn't stay there very long, here's a clue: We moved there on Jan. 1, 1977, and the temperature ...Read more

Social Security and You: Social Security Is a Worldwide Phenomenon

Most readers of my column are very nice and very normal people. Some are more progressive in their political thinking. And some are more conservative in their political thinking. But most of these folks, whether they lean left or lean right in their politics, generally agree that Social Security has been a force for good in this country.

But ...Read more

Social Security and You: The 'Spousal Bump'

Recently, I've received emails from several readers who asked questions about something they call the "spousal bump." It's a term I never heard before, and it made me chuckle. It sounds to me like some kind of "dirty dancing" move done by an old married couple in a shady nightclub! I can just see a geezer and his wife thumping their rumps up ...Read more



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