Former SSA Insider: Survive on Social Security; Tips, Secrets! PART 3
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- Опубликовано: 14 окт 2024
- 18. LTC Medicare.gov
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Dr. Weir discusses various financial assistance programs that can help struggling seniors and disabled individuals live on Social Security benefits. He discusses: retirement, disability, survivors and spousal benefits, Medicare, electricity assistance, library benefits, Extra Help with Medicare Prescription Drugs aka Low Income Subsidy, Section 8 housing from HUD, FCC Internet assistance through the Affordable Affordable Connectivity Program, working while disabled and/or receiving retirement benefits, annual earnings limits, trial work periods, extended period of eligibility, Habitat for Humanity, home healthcare, Medicare Advantage, Flex Cards, SHIP, State Health Insurance Program, Dual Eligible plans, taxes, Weatherization programs, Uber/Lyft, medical tourism, expats, AARP Senior Volunteer program, Veteran vocational rehab, NPWE, Obamaphone, government phone, burial insurance, etc...
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😃💯Who is Dr. Ed?
Dr. Ed Weir, PhD, Former Social Security District Manager; Former Family Services Specialist, Department of Social Services; Former Marine Corps Sergeant; University Adjunct Professor. Dr. Ed is one of the most experienced government benefits experts in the country and in his (semi)retirement, he has made hundreds of RUclips videos in order to help seniors, the disabled, survivors, retirees, disabled children, spouses, and others in every state get the benefits they need!
😊😊WE NEED YOUR HELP! Anything you can do to get the word out about our channel is greatly appreciated! How about your local news? Dr. Ed would love to appear on your local news to promote this critical information to your local community. How about sharing? Facebook, Twitter, Instagram, places of worship and work, community and senior centers! Do you know a famous celebrity or social media influencer? Please have them share our channel. My contact info: ed@mygovexpert.com
⚠️I am not an attorney, tax advocate, or currently affiliated with the Social Security Administration or any other entity of the US Federal Government. My advice and opinions are based on my decades of experience inside the government. However, the Social Security Administration is the final decision maker when it comes to your benefits.
#socialsecurity #medicare #seniorcitizens#seniorcitizens
☎📞Don’t want to ask your questions during our FREE LIVE Q&A Sundays 3pm PST (6pm EST) or Thursdays 4pm PST (7pm EST)? How about a private one-on-one call with Dr. Ed? Click here to schedule: calendly.com/mygovexpert/consult
Bush started the free cell phone before Berak Osama.
Thank you for your time service and for putting together these videos. you are appreciated
It's my pleasure. I'm just getting started
May I suggest, that you do a format for your videos, because these parts 1 through 3 do not at all address surviving on SS. They ought to be named Q&A.
Thank you for the suggestion.
My mom has burial ins. The funeral home closed and gave us warning it was happening and to move to a different funeral home. Thank God this happened! I found out her funeral plan was so under funded! I was able to add to it to get it up to current levels. She is 96 and going strong. I would not have had money to pay the burial if it was as she had it.
AARP, that's interesting. I had a neighbor who worked at a local church. She told me she was paid through AARP. Now I understand. Thank you.
#27 should I laugh or cry? I live in my vehicle. Yes, I NEED IT!
~ 🦋
#27...Uber! Living in your vehicle? Hope everything gets better for you!
@@MyGovExpert Thanks for the suggestion. That's very considerate. I respect your time.
I live in it but don't like to drive. I also don't trust being alone with strangers in my vehicle or even for deliveries.
I have physical limitations. So far, I'm adjusting/managing. I have to make it work. My income can no longer afford sticks and bricks.
I'll keep watching. I'm picking up some valuable information. My friend is a disabled vet. Like me, his place is Sold. And he's forced out of the market. I think we should go see a concert. ✌️❤️
~ 🦋
Burial Insurance, I encourage folks to look carefully at their Banking plan/contract. Some savings and checking accounts come with a small (like $10,000) life insurance plan. It ain't much, but it would sure pay funeral expenses for most.
I agree! Great place to look!! But if not and you need someone to help you find a good plan, please give my team a call at: 888-817-0446
Thank you so much.i just but it for my social security retirement benefit s 2 weeks ago. I’m so nervous. So now I’m watching all of your videos every day and night. I’m taking notes faithfully. So again , thank you ❤️🙂
I have a different opinion on hiring a lawyer from the beginning. Most individuals are clueless as to the ins-outs of Social Security. They may answer questions or omit information that would have possibly received an approval IF they had answered the questions correctly. Having an attorney BEFORE you file will help ensure that your submission has the best opportunity for success.... my humble opinion.
Well, I (humbly) disagree. Just b/c someone is an attorney does not mean that they know a lot about SS. I think a lot of people know someone who is proficient about SS & indeed a lot of people, just from reading about SS on websites, know a lot about it. People can also call their Area on Aging office to discuss SS questions w/ them. They generally have people on staff who are knowledgeable about SS. I would exhaust these options first before consulting w/ an expensive att'y.
@@penelope5500 Since you are NOT a Social Security employee OR a professional Social Security attorney... your humble opinion doesn't amount to much. Your rant above was not necessary. My comment was directed to Dr. Weir - you, not an average Joe.
@@katrinagarland5219 You are too funny, katrina. Hardly a rant, just my opinion. And, btw...you have no idea what my credentials are. Bye.
Good points.
I agree. I tried to apply on my own, took a year then denied. Then applied with a lawyer, approved. This took 2 years of life on hold.
Also regarding long term care insurance.
All I have to say is you better make a plan to stay home with help. Yes ltc insurance may cost 500.00 + a month but being put in a nursing home and being tortured to death is way scarier to me!!. I have cared for 5 family members who are now all gone. They all suffer at those places. No one cares and looks the other way. Well someday we all will be roting in a bed in a nursing home if you don't get ltc insurance. That's reality. I have ptsd because of what I have seen. They take all your money then they let you die of supervised neglect.
I know for fact. I saw the horrors. Can unsee!
So make a plan. Make your bathroom handicap accessible. Set stuff up to stay home as long as possible.
Ed, THANK YOU FOR YOUR SERVICE. My dad was a marine.
You're welcome! So if your father was a Marine, then in some respects you are a Marine too!! Take care, Ed
Cremation Society of Oklahoma total bill $1241 ( including death certificates (10) .
We paid $100 down in 2016 to lock in the price of $1095, the balance to be paid out of daddy’s estate.
Total bill $1241 includes 10 death certificates.
Another gift daddy gave us kids❤️ 2:44
Awesome, I'm looking at a water burial myself
#1. If you're living on only SS, call your local social welfare office about everything your income will allow you to qualify for.
You'll be amazed
I agree! They have lots of good information. I used to work at state welfare office. But the problem is they often don't have the time to share the info. Thanks for the comment. Take care, Ed
Great list! Thank you!
You are so welcome!
I binge watched all 4 parts. Good information! Thanks. Just one suggestion…I’m not finding all the links you mentioned. A little more information in the description on where to go and/or how to apply for some of the programs you cover would be helpful. Things such as website links and/or phone numbers would be great!
Hello, thank you. I'll keep adding those and updating the ever changing contact numbers. Take care, Ed
#25 the phone is good to keep you connected and that's it. Until you are able to get a better phone - its no big deal. Some ppl just like to complain about nothing!
Yea, I've heard mixed reviews...but free has always been my favorite price!
I have gotten something out of the first three of your videos that I have watched Social Security is a big part of our income, but we also have savings to draw from if needed, or should say when needed.
So glad you liked the first three...one more to go. Have a great weekend, Ed
Hi Dr. Ed, I really appreciate all of your helpful information, I like to say Thank You. I would like to know about cheaper car insurance, Thanks
You're welcome! What city and state do you live in?
I live in Seattle Washington @@MyGovExpert
I just called my State Farm rep. and told them my driving miles will be going way down, now that I've retired from my full time job and took soc. sec. The rep said I qualified for a certain discount if my annual miles are less than 7,500, and it worked out to about $10 a month reduction. Not much, but there's $120 a year more in my pocket.
@@MyGovExpertPortsmouth Ohio
I also agree after watching all three parts covering the Surviving on Social Security. And I did have various questions on a couple of subjects. However there was not really any help on how to live off what some of us are attempting to live off these days. Hopefully, you can pull from your past experience and come up with some helpful suggestions. Because when one finds themself living on less than $1,000.00 a month. It has become more of a horror story. Perhaps this isn't really anything SSI is really concerned with. Just hoping against hope looking for any suggestions. But honestly thank you for all of the video's you have shared . Your experience is invaluable. 🧐😉❤️
Thank you. I really like you and your videos.
Thank you so much! Lots more to come!
My first go at SSD I failed, worse the person who gave me the fail notice also gave me a lot of negative “information “ above how I would be wasting my time resubmitting (NOTHING about reviews or challenges). It wasn’t until nearly a year later when my work insurance was running out (1year, 3/4 pay AND one of reasons I was told I didn’t qualify) that I saw an ad, not one of those LOTS of ads type, but one that said they specialized in Veteran’s issues (I’m a Vet, no pension, sadly) and Disability issues including applying for SSD. They found a minor issue in my medical history, got the information from my VA records and with them got approved AND back pay to my FIRST filing due to misinformation (which was an issue at the time). They only took 25% of back pay, btw. Also gave me the corrected medical file and court information on a cd as well.
I am VERY happy with them, I referred others to them which I don’t usually do.
Awesome. I'm glad they finally did the right thing!
There's a LOT here that applies to people on disability. I ONLY get social security but have become disabled however I don't qualify for medicaid. Not sure why because of the high cost of living and many many medical bills I can't pay due to cancer so I don't seem to qualify for anything.
Please focus on just social security alone.
Disability is a part of social security and I also have a background in medicaid. So I'm gonna help everybody I can.
Thanks Ed🙏🏻
Thanks!
Thank you so much!! Cheers!
I had to get a lawyer I was denied and broke at the time I lost my job I needed to feed my family I ended with that amount wish I knew this 4 years ago 😭😭and I’m still struggling
Thanks dude ✨🕊️❤️✨. Many friends to share with ✨✌🏼✨.
Keep them from taking the load off Alice and putting right on me 😜!
MATTHEW 25:31-40
“When the Son of Man comes in his glory, and all the angels with him, he will sit on his throne in heavenly glory. All the nations will be gathered before him, and he will separate the people one from another as a shepherd separates the sheep from the goats. He will put the sheep on his right and the goats on his left.
“Then the King will say to those on his right, ‘Come, you who are blessed by my Father; take your inheritance, the kingdom prepared for you since the creation of the world. For I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink, “I was a stranger and you invited me in, I needed clothes and you clothed me, I was sick and you looked after me, I was in prison and you came to visit me.’
“Then the righteous will answer him, ‘Lord, when did we see you hungry and feed you, or thirsty and give you something to drink? When did we see you a stranger and invite you in, or needing clothes and clothe you? When did we see you sick or in prison and go to visit you?’
“The King will reply, ‘I tell you the truth, whatever you did for one of the least of these brothers of mine, you did for me.” (NIV)
Thanks for sharing!!
Great info. Liked and subscribed!
Awesome! Welcome! A lot more videos to come!
I have consumer cellular through aarp I only pay 30 a month
Awesome!
30:00 I have the car same insurance company you once Had. Perhaps time to shop around. I did, however, have a great experience with them when my car was totaled twenty years ago.
Yea, I should have checked earlier. But life keeps you busy! Take care and thanks for watching!
My husband (74) and I (67) are shopping around to cut every expense we have monthly.
We cut our car insurance by $59.95 (formerly $195.37 month)
Cut cell phone in half etc etc
Every little bit helps. 12:29
The best gift our daddy did for his family was while he was estranged from us 5 children he bought long term care policy.
It cost him $500 a month in 1996.
When he came to live w me , his oldest daughter, ( 2nd divorce) we stopped paying for the policy due to debts he owed.
He had banked quite a bit w the ltc company.
What he didn’t know was, the funds he paid in for 4 years that he didn’t use DO NOT go to his children.The insurance company keeps the rest of it😤.
What a rip off!!!
We were able to draw half of his money and he was able to have proper care in the nicer NH near my house.
We took comfort in that fact at least 😔 2:33
That’s how these insurance companies work. It’s a gamble as to whether or not the person ever uses up the funds allocated to them. Some use some of it, some use none, as some never reach that age or need. Seems unfair. But I suppose it’s why they are able to make the profits they do.
@@catherineklerowski4591 if I would have had any idea how long daddy was going to live w Alzheimer’s I would have probably started drawing on it for in home aides but w Covid I didn’t really want to expose us to anyone.
I managed to keep him well the whole pandemic and my 70+ yr old disabled husband and myself.
I guess I could have guessed though because his momma died w Alzheimer’s/ heart attack at 88 too😔.oh well hindsight is always 20/20.
My main goal was to hang in as his full time caregiver until his dementia had advanced to the point where “ as Alzheimer’s association says” they don’t know what they don’t know.”
Then transfer to NH for 24/7 care.
Pretty much nobody buys long-term care insurance anymore...now it's just crazy expensive
I just found your videos and find them invaluable. I watched some of your live videos also, however I wish you shared all the questions as you go. Sometimes you read the question quickly under your breath and start to answer them without fully sharing the question with your audience. Just wanted to share that thought. Thanks for all the valuable information.
Thanks! Yea, I gotta be more careful with that!
I'm retired a dentist. I had a patient go to South America to get dental implants. If I showed you the x-ray films I took of them you'd appreciate the saying.... "You get what you pay for." Horrible work. Good luck to him!
Yeah, medical tourism seems to be a big thing nowadays.
My husband is 62 yrs old and on disability social security because he lost his sight and is legally blind. When should he change from disability social security to regular social security? He also did not sign up for part D when he was on disability. Is there away to get the part D fee wavered?
I don't see a link under #20 just the word "Tree". I have an undocumented foreign spouse who I would like to know how I get spousal benefits for him. I will be retiring with him in Mexico in 3 years. Do you have a video dedicated to this process or can you add the link you mentioned in the video instead of the word "Tree" thanks so much for all you do here for everyone. The information is priceless.
www.ssa.gov/international/payments_outsideUS.html
@@MyGovExpert I found exactly what I needed through that link. Thank you so much.
A point about the Obama phones. I applied for a phone and was approved but lost my ACP which paid for my home internet so you can't have both. The phone was so bad that I cancelled the plan and resumed the ACP for my home internet.
Yea, sometimes it's good, sometimes not so much. Thanks for the info! Ed
I'm afraid I heard ACP was going away.
@@betsybarnicle8016 I heard that too - from my internet service provider, that it is going away/ending soon. So I guess some of us won't be "connected" anymore, because I sure can't afford $98 a month just for basic internet.
I also got a senior discount for my phone cell service I ask if theres a senior discount one erthing i buy and do
Puretalk (uses AT&T network) gave a three year discount for an already low cost plan (it was about $50/month for a cell phone with 'unlimited' data). After the discount period, it's still pretty low at $61/month. But this Puretalk discount was through AMAC (an alternative to AARP).
Awesome. That's definitely the way to do it
I got about $10/month off my car insurance for driving less, now that I don't drive 26 miles (13 miles each eay) to work and back, 5 days a week. It was a mileage discount, not age-related.
@@betsybarnicle8016 i did to
Sad that our seniors have to move to another country to be able to survive.
I just signed up for kskj life for 15,000 i hope that isn't a mistake.
Don't know what this means.
@@MyGovExpert it's life insurance policy
My SSDI 2nd lawyer did a great job. I didn't even need to go to the hearing to get approved.
I was denied the 1st time by my own application. My 1st lawyer didn't do a good job & I lost. The 2nd lawyer was a referral.
Great to hear they helped you out!
@MyGovExpert
Thanks. You are correct. Go with a local attorney. My 1st attorney was in a local group of attorneys. I don't think he put in the work. My 2nd local attorney, his specialty was SSDI. He sent me to doctors, etc. Even though he took a cut. 5.25% ? at the time, he was worth it. I still got some back pay.
If I don't know if my ex-husband is collecting more than half of what I'm collecting, should I call a social security office to find this out or do I have to go and ask about this in-person? We were married 29 years, and I do know his social security number.
I am divorced and did not make as much as my ex husband. He was the sole provider. I was married for 25 years. He is 2 years younger. I am 62 and wondering if and when can I collect off of his benefit?
Hi Dr. Weir, I was listening to this particular video and you said you were going to put a website under item 20 regarding a non-American spouse collecting social security benefits, but the only thing listed under #20 is the word "tree". Can you help me with this information please?
Sorry. Here it is:
www.ssa.gov/international/payments_outsideUS.html
$255 in 1955 would inflation adjust to $2,935 today.
WOW! That would be perfect in 1955! Not so much today!
Thanks
You're welcome
When talking about these programs I’m always curious about if there is a means test. Someone could have a good deal of money saved up but that doesn’t translate to a large income. Case in point my mother in law lives on just her SS check. However that check is larger than I can get from a 7 figure portfolio. She can qualify for some assistance programs with a larger income because of the means test.
Sorry for the delay in responding. I got a LOT of comments all at once. If you still have questions or need help, please join my RUclips LIVE Q&A Thursdays at 4pm PST. Take care, Ed
😅thanks
Thank you!
I just had my SSI review and discovered my retirement benefits are basically not in addition to disability benefits I get…should have but again terribly misinformed. I also discovered so misinformed, misrepresented and completely lied to by the attorney representing me for ssdi i literally cannot file again nor do I have accountable income due to filing date. Is there anything I can do to get help to access my income so I can actually live on more than 900$ a month and will be homeless within mere months.
Please join one of my LIVE FREE RUclips Q&A sessions so I can give you a more accurate and complete answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert
you do not need a lawyer initially. I filed feb 19 and approved march 7. if you have medical issues
I agree. I usually don't recommend a lawyer for the initial stage.
@@MyGovExpert I am literally about to go homeless waiting till end of august for disability wait period to be over. I can’t find any info on concurrent ssi while waiting on ssdi to start. i called to apply for ssi and they set up interview. for next week. i received a letter stating i don’t qualify for ssi because “i stated i don’t want to apply”. so confusing. where can i find out who qualified and how to apply for both
I wouldn't normally recommend something kind of on the dishonest side, but if you are an expat and you need to come back to the US for medical care, if you're able to sign up for Part B and wait for your medical treatment, Medicare will pay 80%, and then if you don't have a supplement, then the 20% that Medicare doesn't pay your technically not responsible for if you are on Social Security. The reason for that is that if you're on Social Security and you have debt that you cannot pay, you are judgment proof. That goes along with a fair debt collection practices act, and it's for seniors who aren't able to pay their debts. The only problem would be is that if you don't pay the hospital and the doctor what they're owed, you probably can't return to those providers.
...
😜
What about if you filed and caught your agent falsifying information? That actually happened to my brother
Then you should definitely ask for reconsideration. So someone else in the office or another office can take a look at it.
#20 - Can i take my SSI/SSDI (from disability) overseas? Like if i moved to Portugal?
SSDI yes, if you're a US citizen.
I have tried to get one. But I am told that it is for people on Medicaid and Snap; does not include Social Security, SSDI or Medicare or Veterans.
What are you referring to?
What was the name of the SSA program where you were able to find additional money for the recipient????
There are dozens.
@@MyGovExpert - you mentioned one in particular dealing with delay something or other with SSA payments.
Try castor oil on your scalp or anywhere else where you would like hair growth.
Lol
At the 3:17 minute you say a lawyer is gonna take 72%. I re-round this twice to make sure I heard it correctly. I don’t think you meant to say the lawyer is gonna take 72% of your first $10,000.
What you meant to say is the lawyer can take 25 % of your total check not to exceeded $7200. Right?
Sorry, did I say 72%?... You are correct. I meant this year it's's $7,200
Social Security has a policy to turn down 1st applications. Don't give up , appeal if you really need Social Security Disability. I got a lawyer during my daughters appeal for Mental Health. During the original application I gave SSD all of her hospitalizations and medications work history which had so many job changes over the years. All of her history collected. I had to go through months of collecting and sending medical records to them and they still turned down her first application.
Side note.
I have a girlfriend who applied for a job at Social Security and during the interview they told her "Our policy is to turn down first claims, do you have a problem with that?"
My friend replied "Yes I do have a problem with it, if they really need it"
Needless to say, she didn't get that job.
This is 100% incorrect. I myself and my employees approved applications the first time every day. But yes, mental health claims are difficult.
@@MyGovExpert
This is
@veronicalucas4213
Sorry, Im on my boyfriends computer and just realized that its him at the header of this text message.
Good, Im glad some people are getting it the first time out. Mental health is hard. I think the second doctor saw the issues in person where as the first doctor was on a zoom call. But for me is was a miserable thing to go though, then get turned down and have to do it all over again with the paperwork and have them ask for more. Then being discourage and paying a lawyer to do the appeal made me feel a bit better until they pulled their fees out of my daughters account. Oh well in the end it all worked out even though shortly after she was approved my daughter was back in the hospital needing medication changes.
Thanks Dr. Ed Weir for your advice and support. Im dealing with my own SS headaches as of yesterday finding out Win Fall will be taking half of my SS payment as I have just turned 62. I'm at poverty level income with my 11 year City Gov Pension and what I thought I would be getting all these years wont be coming to me.
I sure do hope the Bill in the Senate is real and drops the Win Fall elimination provision. Its over 40 percent they are taking and I just fond out that the full age for retirement for my 1962 birth year is 68 years old. IS that right?? I have to take it now anyway. Not to be morbid but my family doesn't have a great life span history, so I may be looking at leaving here between 70 and 75 years.
I'll take what I can get now $460.00 not a lot but i grow my vegetable and have a few chickens. I don't need much. But I do feel bad for people who don't have a garden. Blessing all, and thanks for letting me vent. I needed to after my news yesterday.
This is
@veronicalucas4213
Sorry, Im on my boyfriends computer and just realized that its him at the header of this tex message.
How do you file change situation for SSI
4:34
Just call your local SSA office and tell them of any changes.
Re-ex pat here-best to visit 🇺🇸 SS apply in person-or go to Manila SS-or wait for phone call from SS to verify everything after you apply online? Thanks
Thanks for the tips!
I called SSA about the death of my 88 year old daddy, but I forgot to ask about the $255 death payment.
Do I need to take the death certificate in person to the local office to apply for it? 2:23
The death benefit only goes to the spouse or minor children. Or disabled children
Hi Looking for burial insurance broker. Please refer me.
You can call my team at 888-817-0446
Can SSI assist someone to get one of those scooter type things for those of us who can no longer walk but to the bathroom and the stove. Just asking. Thank you for your video's they are great. 😉🫶🏻