☎📞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
You and Carmela Harris should be locked in a room together. You both are pure word salad insanity. Wow, you make my head spin with the tangents you go off on. Please get off the internet….Bye!
I am so glad that I found your channel. I just turned 64 on August 30th. I am not retiring yet, but as a RN of 44 years who has been teaching nursing full-time for the past eight years, I am absorbing all of your great info like a sponge! It will be a hard decision on when to retire, but after working full-time in the hospital from age 19 until I started to teach eight years ago, I am feeling the wear and tear. I still do 2 days of clinical with the students (including Saturdays for extra money), but the 12.5 hrs. are taking a toll on me due to a recently diagnosed hypothyroid autoimmune condition which causes serious hives. Thank you and I greatly appreciate your kindness in helping reach so many people!
Thank you so much! I never thought I would do RUclips...but here I am! If you would like to support this channel, consider buying me a coffee or beer: ko-fi.com/edweir ...and no worries if you can't tip, I appreciate you being here!
Ed, The Department of Ageing has various programs; they get Federal and State funds; older adults and those who are disabled should check will their local Ageing Services office and inquiry into their funding programs. The programs will vary based on State funding; people will be surprised at the range of added benefits they can receive.
Very true about the lifetime penalty regarding not having drug coverage. My daddy didn’t get drug coverage when he needed to and he had a $39 penalty taken out of his SS check every month until his death in March 😏. 11:47
Excellent. I watched part 1 last night. I'm truly glad I discovered your channel and will share. A broker you can Trust!!! It took a while, but I found one. These plans are so varied and overwhelming to understand sometimes. ~ 🦋
Thank you for sharing all your knowledge. You are able to explain all the Medicare plans, social security in lay man’s terms. I could follow what you were saying plus I passed it on to others. Thanks again
Thank you very very much for putting this information out I’m just starting to wade myself through this retirement process there’s a lot of information to take in I’ll be checking out your website and definitely passing you on to friends and family
Excellent suggestion. The only problem is most of those places are understaffed so they don't really have that much time to go over everything with you.
Thank you for posting these Videos, they are greatly appreciated 🥰! I have problems with Medicaid every time I apply for benefits! I am so tired of jumping through ALL THEIR hoops to just get $10.00 worth of food stamps. So I quit them. I am not willing (too old) to jump through these hoops any longer 😱
They are pushing food through the insurance companies. Check what each medicare, medicaid insurances are offering in your State . Read every single fine print on line, on line only.
Thanks for this I’m 66 years old on Social Security make a little bit extra working part time and I’m still struggling. I would like to have some sort of a table of contents. Maybe something to tell me what is in each video because I just watched this last one mostly about prescription drugs, which, luckily I’m not on anyand I could’ve skipped this one so if you could give us more idea of what’s in them, that would be absolutely awesome. I appreciate what you’re doing. Thank you.
@@KMF3absolutely true! My daddy didn’t get a drug plan when he should have and he had a $39 penalty taken out of his SS check every month until his death in March! You never know what drugs you may need later in life 😏. My 74 year old husband has heart issues and so far he has already spent $2,000 out of pocket for prescriptions.🤦♀️ 11:53
Hi Ed. The audio on this video is great with the remote mic. Much better than when you do the live streams from your kitchen table when the volume is sometimes quite low. Thanks for everything you do 👍
If you work for the State, I assume you were not paying SS . Unless the😮y change the wind fall elimination, they will cut how much you get from SS, if you worked in private prior to the State . One has to have so many quarters in afterwards to get the full benefit of SS .
You're wonderful.....these videos are helpful! Thank you! I just turned 60 and am thinking ahead. By the grace of Jesus, I am healthy and praying that continues. Jesus loves you and thanks again!
Ed, Most hospitals have programs that help all individuals and families pay for costs and services not covered by insurance such as deductibles or co-pays. They are income based; you can save 25 - 50 - 75 or 100 percent of your balance; again it's based on income. People should inquire; most have programs, and they will sign you up yearly; you submit your income and they give the percentage of what they will pay. In advance, you are covered for any future out of pocket costs for the current year. The savings can be substantial. In my area it's called ICARE. In addition, they also cover costs with doctors who are connected with the hospital.
Im living on ss alone. I have no more needs other than food and shelter. I have a car so i have 6mos bills for registration and inspection plus gas. Ive only driven 10k miles in 3 yrs so i dont do much. I live freely on my ss so far. I just switched to carnivore diet and thats cheaper. I dont eat anything but meat plus apples and green salad. No dairy except butter. I take no medications. I dont want any handouts til necessary. I am independent so far. My rent is susidized thank God. I live in a retirement apt. Most everyone is on some form of welfare..food stamps..food shelf...if its free they get it. I never lived like that and wont til necessary. I dont believe i could get many since my income is too high per govt level. I do get free tax filing though. Im on Humana Medigap. Im interested in other cos offering same coverage. Hopefully i can find a broker for this help.
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
Same here. I watch Dr Ken Berry videos on the Carnivore Diet. Food Pantry isn't usually full of foods to promote good health so I stay away. Keeps me from progressing diseases and meds.
I made so many mistakes, I didn't understand that I would be paying a penalty if I didn't take out the plan B Medicare when I retired, that I would have to pay thousands of dollars to get that pay now. And, I didn't have much of a money base because I had a stroke and couldn't stand up without falling over so my work career ended before drawing social security I used up all my savings during that time for living expenses . I should have asked for disability but, I didn't have the internet to educate me that I could have gotten a disability check. I am trying to live on about 1000 a month. I called the state for insurance but they would take my place by some types of laws in my state so I didn't apply.
Sorry for the late reply. So sorry to hear all that. That's one of the reasons I'm doing these videos. So people will get the information they need. They will only take your house after your passing if they pay for long term care.
Ty again for more information! I'm slowly watching threw this series. I wish i could afford it, I'd buy you a case of beer! I was recently diagnosed type 2 so now i got to eat healthy and yes i did put my diabetes into remission but eating healthy is so expensive. Now that come May i will lose my snap and medicaid I'm so afraid I'll be right back to being diabetic again. This is tough but I'm not giving up! I'm going to go to the local food pantry and see if i can get a special box for just diabetics. Also gonna see if i may help in any way that i don't have to lift anything. I need a purpose again, i wanna help others in my same situation. God bless you🙏 for all this information.
So sorry to hear that. They are making a lot of mistakes kicking people off of Medicaid. So please make sure they do everything correctly. And you will probably lose your Medicare Dual Eligible plan. Give our Partner team a call and they can find you a regular plan in your area. 888-817-0446 And anything you can do to share our information, that will help a lot of people! Thanks for looking out for you community. Take care of yourself, Ed
In AZ Medicaid is called ACCHCES (AZ Cost Containment Health Care system). They are my seconday insurance and because i am on LongTerm Care through them. LTC tells me not to pay copays Or any fe es at all.i also get home health care, meals on wheels and transportation
More and more doctors are refusing Medicaid insurance. CA has just made it available to a whole new group of people which will probably create even worse backups to see the doctors that still do. But you are right, people should try for it if they have no other way to get coverage Medicare doesn’t provide. Have you done a video on “Medicare Assigned”?
Hello, thanks for the comment and your observations. I haven't done one on medicare assignment yet. But I definitely will in the very near future. Take care and have a beautiful day, Ed
As a healthcare provider myself I stopped taking any insurance almost ten years ago after Obamacare. There are lots of reasons for both providers and patients.
You are an EARTH Angel...I so agree about the lady w/the yacht 😂..I refer to that model as the "modern day slave system" 😢 thank you for the info & your work ❤
We're barely making ends meet with our regular SS, getting around $1500.00 total per month. Can we apply for The Supplemental? We want to at least be able to purchase a funeral plan and not burden our kids when the time comes.
You certainly could, but the monthly premium is gonna add on top of your part B premium. In terms of a funeral plan, send me an email, and I can have someone reach out to you and give you all your options. ed@mygovexpert.com
Everything not covered by Medicare is paid for us by our teamster contract of 50 dollars a month for the rest of our life. Only 5 years got my husband vested to get it. My husband still drives dump truck as a teamster but at 65 it’s not easy.
Question:: My husband is in his 80’s living on Social Security alone meeting the below income figures. He must have a walker to walk, and balance. It is hard for him to take a shower stepping into bathtub and sitting on a chair holding onto me entire time. We need a walk in shower, and ask would medicare pay for this to be installed for us? ❓❓❓❓❓Living in WV.
I would definitely try. Have your doctor write a prescription and then submit it and see what happens. And don't forget about places like Habitat For Humanity they might be able to help, too. Take care of yourself, Ed
My uncle lives in Penn.he needed a walk in shower and local social services set him up to have one put in his house free of charge,he is on ss and has medicare ,his doctor also had to write something that he needed one.
As a nurse, I must say, I have not met a decent Dr yet who takes my Medicare Medicare..scraping bottom of Dr barrels, as well as dentists if they will even take you
The thing about medicaid is the contract that one needs to sign. It basically comes down to repaying the state with whatever resources you have like your house. By agreeing to that your kids are left with nothing after your death. Some folks actually read the contract and decide not to apply for that reason not because of pride. What say you?
@@MyGovExpert Good info on your page. I don't have stuff in my name rather are in trust foreign and domestic, associations etc. I requested on your page for a broker to contact me so I can figure things out. What is the average wait time to be contacted? Thank you.
If filing federal income tax as MFJ, and your spouse is working while your sole income is Social Security, your SS will be taxed based on the combined income of both. So, you are at risk of getting 85% of your SS benefits taxed when it was your spouse who continued working. Getting divorced and continuing to reside together so that the SS recipient can file single is the only way to avoid this. I am a CPA BTW. Thank you for what you are doing for the 99% of us.
I am retired, but I am glad that I do not have to take any medications at this time. I am not rich, but I would not qualify for any assistance. You have to be broke before you get anything.
Extra help question~~What happens if your spouse gets a better job and you as a couple you now make too much money, even though the affected spouse is still well within limit on their own? What kind of expense can they expect? There are stories of couples having been married decades having to divorce so one spouse can keep those (greatly needed) benefits? THIS IS EXTREMELY FRIGHTENING FOR SOME PEOPLE. What can be done?
I think you're talking about the Extra Help with your Medicare Prescriptions Drugs...if that is the case: Unfortunately they count your total income as a married couple!
My 74 year old disabled husband ( since age 62) was getting the extra help from SS for his high $ heart meds, but as soon as I started drawing my SS they said our combined income disqualified him for the xtra help. So we found a foundation through the manufacturer itself and applied and they approved him for $0 on one of his expensive heart meds!!! There are generous people out there that want to help. Hope you find the help you need🙂 12:09
Hello, and thanks for these productions, as well as your service. In any of your productions, do you remember if when talking about Medicaid, do you refer to the "recovery act"? If so, which production comes to mind? Thanks kindly.
Dr.Ed, I am 62,on ssdi with medicare A & .B.I have bad dentures that are falling apart.Is there any program that I can get new dentures?I can't afford new dentures.
Hi Ed, while working at age 62 , I applied for retirement. I started receiving it , became disabled . Applied for SSDI, was approved. Received my award money .SSA took out retirement money for back pay, I’m I required to pay back money I received from retirement, if I was qualified for it?
Do you know how much money I can make and still get medicaid? I have many expensive rx, and I'm afraid to lose the 20 percent co pay on them. I also have Medicare.
I thought brokers were paid by the insurance companies so essentially they are working for them? Whoever pays the most would be the first on the list I would imagine.
I am a veteran which entitles me to health care including my meds. I don't need medicare or medicare. Do I need to inform Social Security when I apply for my SS?
No, just refuse it at that time. Just make sure you are making the right decision. A lot of vets don't think they need it early on, but then in the future if they have a medical issue or don't like the VA, then it's difficult and expensive to enroll in Medicare Part B.
Good information Ed. Question: what those persons who are ex-pats 100% of the year and therefore have no “home” state. Is there flexibility to choose a state for Medicare?
When my husband retires at 67 I will be 62. I was thinking I would like to apply for retirement. Do I get half of his SS? I know there will be a percentage SS takes. If he gets 3,000 a month mine would be 1500. Do you know how much I would receive? Also does the SS rules change a lot year to year?
Will they say in a thousand dollars for $1,037 or whatever that I make too much money to get them to pay for my insurance so I pay my insurance then they put me on theirs too which I haven't found a hospital that will take yet
What tip or trick can you relay that can help my sister? SS notified her they overpaid her and she submitted a rebuttal. They then took 50% of her SS and said her rebuttal is still “being considered/reviewed”…she has physically gone to the SS office month-after-month only to be told her AFTER A YEAR the SS is still “working on it” and coming back to the office or getting a lawyer won’t help the process. She’s been at this over 18 MONTHS and still no reply after spending hours on the phone only to be told “we’re backed up and the rebuttal is still under consideration”. What can she do to “Live on SS” when only getting 1/2 pay of an already small SS check (about $450) and months & months of excuses from SS??? Any suggestions would be most appreciated.
@@MyGovExpert…thank you for your reply….unfortunately I don’t think Anderson Cooper will take my sister’s call 😔. After 18 months, her paperwork is probably buried 100 feet down in the “To Do” basket. They said the overpayment was $6000, and she’s already been docked $8100…I guess they’ll continue taking 1/2 her social security till they put her in the ground-the (purposeful) non-existence of customer service at SS is an unfortunate state of affairs for her & so many others. Appreciate your response though.
My advice is read the book of Job. Be patient! Sure she is eating 🥣 well ha. We are a Country of strong 💪 people and I commend you for helping her I’m sure! Sincerely Grateful, HB
I’m on Medicare now I do not pay for the prescriptions I receive yet, I don’t recall applying for prescription drug plan. My card only shows A & B, I have a supplemental through a broker.
You should have Part D too unless you have other credible coverage. If not, you will be penalized forever. Call my Medicare team and they can help you. 888-817-0446
Once in a Medicare Advantage program, can one switch back to regular medicare? And if one acquires a medical impairment or disability while in the advantage program, does this make a difference in going back to regularl medicare? Thanks.
I was trying to claim spousal benefits, but they said his half of his net is less than my full gross (I took early at 62). How can they choose his net to my full retirement gross?
I am 62.5 on ssdi, my x husband of 17 years passed away 3 years ago, can I draw his ss and collect my ssdi? Also I had remarried over 20 years ago, divoes that divorced after 3 years, does that affect me from drawing off my first husband. I've been single for 22 years
Please join one of my FREE LIVE RUclips Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert
I received ssdi, and I am not 65 yet. Why do I have to wait 24 months for medical insurance? I can't afford to pay for it myself. I think if you're disabled you should get it right away.
Thank you for collecting this info. Next question is how to get responses from government when multiple applications have been filed, you qualify but can't get any responses. It took me 1+ yrs to get a response from Medicaid for a n example. I still am trying to get help with my falling apart house. No one responds.
Sorry about that. I'll check it out. In the meantime, just email me at ed@mygovexpert.com. Please include your name, state, phone number, and what you need help with. Thank you
nd have been told that child support cant be consider as deduction to prove low income. in order to get help of SSI is it true that they only consider the gross and don't take child support to consideration for SS!?
Thank you from the bottom of my heart , for all of the endless video's of content, that you continue to share , in an effort to help your fellow man. You Sir, are a precious soul and because of all that you so freely share, with those whom need such help, well in all honesty, its beyond what has ever even been attempted to attempt. It is important that you are aware, of just how precious and valuable all the experience you so willingly share, with those who truly need the content you are sharing. And yet you are able to explain everything in the simplest of understandable terms. So that your information is not lost in the translation. Thank you again, for your shared kindness. 🧐😢🙃😉🫶🏻❤️
Your videos are awesome. Have you considered not using a white background. It really isn't good on the eyes. ❤ Is there a program that helps with home repairs?
Before I watch all 4 of these videos, are these just for retired SS people, or does it apply to SS disability too? (I'm 50 yrs old and disabled, living off 900$ a month, which isn't enough for any quality of life).
when you apply for this stuff why dont they bring all this up when you do phone or office visits why keep us all in the dark only finding out about ot years down the line when its too late for most of it
Yes get part A. If his work coverage is a group plan meaning I think 100 employees, he can keep it and put off paying for plan B as long as he works. If something changes it’s a qualifying event to pick up plan B without penalty.
He can sign up if he wants for Part A...but not mandatory. If he has an HSA, then don't enroll in Part A. I'm going to do a consolidated Medicare video in a few weeks. Please stay tuned. Take care, Ed
I have a question that probably you have already commented before in some of your videos. I have a autistic son “high function “ I applied for ss when he was 8 years old and got denied and then at 11 denied and then 18 denied and finally in 2022 a grup of lawyers got him approved but he only got 1 year retroactive was paid and that was not very good. Another thing is that he didn’t got disability and he got ssa. Another thing is that he can’t stay away with me in my country more than 29 days. I hope you can get me some help
☎📞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
You and Carmela Harris should be locked in a room together. You both are pure word salad insanity. Wow, you make my head spin with the tangents you go off on. Please get off the internet….Bye!
Thank you so much. The information you are providing is invaluable. I will share it with others.
Awesome, thank you!
I am so glad that I found your channel. I just turned 64 on August 30th. I am not retiring yet, but as a RN of 44 years who has been teaching nursing full-time for the past eight years, I am absorbing all of your great info like a sponge! It will be a hard decision on when to retire, but after working full-time in the hospital from age 19 until I started to teach eight years ago, I am feeling the wear and tear. I still do 2 days of clinical with the students (including Saturdays for extra money), but the 12.5 hrs. are taking a toll on me due to a recently diagnosed hypothyroid autoimmune condition which causes serious hives. Thank you and I greatly appreciate your kindness in helping reach so many people!
thank you for doing this
Hit that light button. This is an awesome guy give him a like.
Thank you so much for the support and kind words.
I appreciate you doing this Ed. It is tricky to navigate retirement and you are very helpful without all of the sensationalism.
Thank you so much! I never thought I would do RUclips...but here I am!
If you would like to support this channel, consider buying me a coffee or beer:
ko-fi.com/edweir
...and no worries if you can't tip, I appreciate you being here!
This information is very useful. ✨️ Many thanks.
@@MyGovExpertto funny 🤣. Again thanks ✌🏼.
@hillbillyinpa2317 that was very rude…you can choose not to watch the video. Learn to be grateful for knowledgeable people who are willing to share
Than you for educating us!😊😊
You are very welcome!!
Thank you for getting this information out to the people, I'm sure you are helping millions of people
We have to keep trying!! Thank you for your support!!
Thank you for taking your time to share all this info.
You're welcome! Have a great weekend, Ed
Ed, The Department of Ageing has various programs; they get Federal and State funds; older adults and those who are disabled should check will their local Ageing Services office and inquiry into their funding programs. The programs will vary based on State funding; people will be surprised at the range of added benefits they can receive.
Pennsylvania has substantial programs and benefits through the Department of Ageing.
Thank you again!! Another addition to Part 5!!
Maybe in Pretty Prairie, Kansas, but takes two such incomes here in coastal Miami-Dade
Very true about the lifetime penalty regarding not having drug coverage.
My daddy didn’t get drug coverage when he needed to and he had a $39 penalty taken out of his SS check every month until his death in March 😏. 11:47
Excellent.
I watched part 1 last night.
I'm truly glad I discovered your channel and will share.
A broker you can Trust!!! It took a while, but I found one. These plans are so varied and overwhelming to understand sometimes.
~ 🦋
Welcome! Glad you found us! Many many more videos to come. Take care, Ed
How did you find a broker you trust
I just like you so much. Straight talk!
Thank you so much!! Some times not so straight...I go off topic sometimes! lol Take care, Ed
Thank you for sharing all your knowledge. You are able to explain all the Medicare plans, social security in lay man’s terms. I could follow what you were saying plus I passed it on to others. Thanks again
Glad it was helpful!
Thanks for helping people thru the madness of mad are, Medicaid,Medicare and so forth!!!
You're welcome
Thank you. Your wealth of knowledge is greatly appreciated!!! 😊❤
You are so welcome
Making my way through all parts.
Awesome and sorry for the long intro. Take care
Thank you very very much for putting this information out I’m just starting to wade myself through this retirement process there’s a lot of information to take in I’ll be checking out your website and definitely passing you on to friends and family
You are too awesome! Thank you! Many more videos to come!
If your income is under $24K/year, call your county social service dept. Just ask them what you qualify to receive. You'll be surprised.
Excellent suggestion. The only problem is most of those places are understaffed so they don't really have that much time to go over everything with you.
@@MyGovExpertbut DHS/HHS will send information either through email or snail mail, whichever you prefer. At least they do in my County in Iowa.
What is surprise ?
I have $950 per month and nothing else help .
This is to leave . How to survive?
Thank you for posting these Videos, they are greatly appreciated 🥰!
I have problems with Medicaid every time I apply for benefits!
I am so tired of jumping through ALL THEIR hoops to just get $10.00 worth of food stamps. So I quit them.
I am not willing (too old) to jump through these hoops any longer 😱
Thanks for sharing!!
They are pushing food through the insurance companies. Check what each medicare, medicaid insurances are offering in your State . Read every single fine print on line, on line only.
Thanks for this I’m 66 years old on Social Security make a little bit extra working part time and I’m still struggling. I would like to have some sort of a table of contents. Maybe something to tell me what is in each video because I just watched this last one mostly about prescription drugs, which, luckily I’m not on anyand I could’ve skipped this one so if you could give us more idea of what’s in them, that would be absolutely awesome. I appreciate what you’re doing. Thank you.
Don't forget even if you're not taking prescription drugs, you have to have a prescription drug plan. Or you'll get a penalty later.
@@MyGovExpert wow really? That's crazy.😮
Still I agree a list of what each video contains would be helpful. I see other videos do that and it's really helpful.
BPB Big Pharma Bullsh1t@@MyGovExpert
@@KMF3absolutely true!
My daddy didn’t get a drug plan when he should have and he had a $39 penalty taken out of his SS check every month until his death in March!
You never know what drugs you may need later in life 😏.
My 74 year old husband has heart issues and so far he has already spent $2,000 out of pocket for prescriptions.🤦♀️ 11:53
Thank you
You're welcome
3 thank you for your video
You are so welcome!
Good info. Thank you, sir
You're welcome and have an awesome day
Hi Ed. The audio on this video is great with the remote mic. Much better than when you do the live streams from your kitchen table when the volume is sometimes quite low. Thanks for everything you do 👍
Yea, that mic I bought last time had great reviews...but it was terrible! Waste of money...oh well, live and learn. Take care, Ed
My employer, State of Illinois, requires employees to apply for Medicare at 65.
If you work for the State, I assume you were not paying SS . Unless the😮y change the wind fall elimination, they will cut how much you get from SS, if you worked in private prior to the State . One has to have so many quarters in afterwards to get the full benefit of SS .
Great info. Thanks.
Glad it was helpful!
Thank you sir for all you do. I appreciate the video that you put out.
So nice of you
Just found you, thank you😇
Welcome! Thank you!
Thanks!
Thank you so much! Cheers!
Great info.!
Glad you think so!
I’m glad I found you! It helps to know what to expect from someone with your experience!
Thank you so much for the kind comment!
Thank you brother!!!
You are very welcome!
Thanks for your videos! 😊
My pleasure!
You're wonderful.....these videos are helpful! Thank you! I just turned 60 and am thinking ahead. By the grace of Jesus, I am healthy and praying that continues. Jesus loves you and thanks again!
GOODRX
I was told that I make too much to qualify for Medicaid.
Thank you for answering my question. I guess I’m wondering about North Carolina.
Ed, Most hospitals have programs that help all individuals and families pay for costs and services not covered by insurance such as deductibles or co-pays. They are income based; you can save 25 - 50 - 75 or 100 percent of your balance; again it's based on income. People should inquire; most have programs, and they will sign you up yearly; you submit your income and they give the percentage of what they will pay. In advance, you are covered for any future out of pocket costs for the current year. The savings can be substantial. In my area it's called ICARE.
In addition, they also cover costs with doctors who are connected with the hospital.
Sorry for the late reply. Thank you for this information. I'll add to Part 5. Take care, Ed
Thanks!
Thank you so much for the support!!!
Please check out my updated video:
ruclips.net/video/Q5yWeq-skDY/видео.html
Im living on ss alone. I have no more needs other than food and shelter. I have a car so i have 6mos bills for registration and inspection plus gas. Ive only driven 10k miles in 3 yrs so i dont do much. I live freely on my ss so far. I just switched to carnivore diet and thats cheaper. I dont eat anything but meat plus apples and green salad. No dairy except butter. I take no medications. I dont want any handouts til necessary. I am independent so far. My rent is susidized thank God. I live in a retirement apt. Most everyone is on some form of welfare..food stamps..food shelf...if its free they get it. I never lived like that and wont til necessary. I dont believe i could get many since my income is too high per govt level. I do get free tax filing though. Im on Humana Medigap. Im interested in other cos offering same coverage. Hopefully i can find a broker for this help.
@@commoveo1 you mean there are two of us? Lol. Thanks for your response.
@@willaknotts1298 lol yeah 👍!
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
Same here. I watch Dr Ken Berry videos on the Carnivore Diet. Food Pantry isn't usually full of foods to promote good health so I stay away.
Keeps me from progressing diseases and meds.
I made so many mistakes, I didn't understand that I would be paying a penalty if I didn't take out the plan B Medicare when I retired,
that I would have to pay thousands of dollars to get that pay now.
And, I didn't have much of a money base because I had a stroke and couldn't stand up without falling over so my work career ended before drawing social security
I used up all my savings during that time for living expenses .
I should have asked for disability but, I didn't have the internet to educate me that I could have gotten a disability check. I am trying to live on about 1000 a month.
I called the state for insurance but they would take my place by some types of laws in my state so I didn't apply.
Sorry for the late reply. So sorry to hear all that. That's one of the reasons I'm doing these videos. So people will get the information they need. They will only take your house after your passing if they pay for long term care.
Appreciate info on Medicare brokers rather than agents!
Ty again for more information! I'm slowly watching threw this series. I wish i could afford it, I'd buy you a case of beer! I was recently diagnosed type 2 so now i got to eat healthy and yes i did put my diabetes into remission but eating healthy is so expensive. Now that come May i will lose my snap and medicaid I'm so afraid I'll be right back to being diabetic again. This is tough but I'm not giving up! I'm going to go to the local food pantry and see if i can get a special box for just diabetics. Also gonna see if i may help in any way that i don't have to lift anything. I need a purpose again, i wanna help others in my same situation. God bless you🙏 for all this information.
So sorry to hear that. They are making a lot of mistakes kicking people off of Medicaid. So please make sure they do everything correctly. And you will probably lose your Medicare Dual Eligible plan. Give our Partner team a call and they can find you a regular plan in your area. 888-817-0446 And anything you can do to share our information, that will help a lot of people! Thanks for looking out for you community. Take care of yourself, Ed
Oh no!!
Scrolling thru comments looking for what this is about and
You gotta buy into a curriculum or coaching? Seriously?
That is wrong!!
Thanks
In AZ Medicaid is called ACCHCES (AZ Cost Containment Health Care system). They are my seconday insurance and because i am on LongTerm Care through them. LTC tells me not to pay copays
Or any fe es at all.i also get home health care, meals on wheels and transportation
Let us know if you have any questions
More and more doctors are refusing Medicaid insurance. CA has just made it available to a whole new group of people which will probably create even worse backups to see the doctors that still do. But you are right, people should try for it if they have no other way to get coverage Medicare doesn’t provide. Have you done a video on “Medicare Assigned”?
Hello, thanks for the comment and your observations. I haven't done one on medicare assignment yet. But I definitely will in the very near future. Take care and have a beautiful day, Ed
As a healthcare provider myself I stopped taking any insurance almost ten years ago after Obamacare. There are lots of reasons for both providers and patients.
On SSI and off the grid.
You are an EARTH Angel...I so agree about the lady w/the yacht 😂..I refer to that model as the "modern day slave system" 😢 thank you for the info & your work ❤
You are so welcome. Take care of yourself!
We're barely making ends meet with our regular SS, getting around $1500.00 total per month. Can we apply for The Supplemental? We want to at least be able to purchase a funeral plan and not burden our kids when the time comes.
You certainly could, but the monthly premium is gonna add on top of your part B premium. In terms of a funeral plan, send me an email, and I can have someone reach out to you and give you all your options. ed@mygovexpert.com
Everything not covered by Medicare is paid for us by our teamster contract of 50 dollars a month for the rest of our life. Only 5 years got my husband vested to get it. My husband still drives dump truck as a teamster but at 65 it’s not easy.
Hello, my father was a Teamster too for 40+ years. It's a tough job!
Question:: My husband is in his 80’s living on Social Security alone meeting the below income figures. He must have a walker to walk, and balance. It is hard for him to take a shower stepping into bathtub and sitting on a chair holding onto me entire time. We need a walk in shower, and ask would medicare pay for this to be installed for us? ❓❓❓❓❓Living in WV.
I would definitely try. Have your doctor write a prescription and then submit it and see what happens. And don't forget about places like Habitat For Humanity they might be able to help, too. Take care of yourself, Ed
My uncle lives in Penn.he needed a walk in shower and local social services set him up to have one put in his house free of charge,he is on ss and has medicare ,his doctor also had to write something that he needed one.
As a nurse, I must say, I have not met a decent Dr yet who takes my Medicare Medicare..scraping bottom of Dr barrels, as well as dentists if they will even take you
Medicare? Or Medicare Advantage?
The thing about medicaid is the contract that one needs to sign. It basically comes down to repaying the state with whatever resources you have like your house. By agreeing to that your kids are left with nothing after your death. Some folks actually read the contract and decide not to apply for that reason not because of pride. What say you?
Some move their assets around 5 years before to protect them.
@@MyGovExpert Good info on your page. I don't have stuff in my name rather are in trust foreign and domestic, associations etc. I requested on your page for a broker to contact me so I can figure things out. What is the average wait time to be contacted? Thank you.
I have that same question
I can afford the healthier food options with the UH card. Unfortunately its only good at Walmarts in my town. Not Aldis or Weis.
You might want to check that when the brand new plans come out in October.
If filing federal income tax as MFJ, and your spouse is working while your sole income is Social Security, your SS will be taxed based on the combined income of both. So, you are at risk of getting 85% of your SS benefits taxed when it was your spouse who continued working. Getting divorced and continuing to reside together so that the SS recipient can file single is the only way to avoid this. I am a CPA BTW. Thank you for what you are doing for the 99% of us.
What if you're married and file separately or only she files since I have no income other than SS?
I am retired, but I am glad that I do not have to take any medications at this time. I am not rich, but I would not qualify for any assistance. You have to be broke before you get anything.
Extra help question~~What happens if your spouse gets a better job and you as a couple you now make too much money, even though the affected spouse is still well within limit on their own? What kind of expense can they expect? There are stories of couples having been married decades having to divorce so one spouse can keep those (greatly needed) benefits? THIS IS EXTREMELY FRIGHTENING FOR SOME PEOPLE. What can be done?
I think you're talking about the Extra Help with your Medicare Prescriptions Drugs...if that is the case: Unfortunately they count your total income as a married couple!
My 74 year old disabled husband ( since age 62) was getting the extra help from SS for his high $ heart meds, but as soon as I started drawing my SS they said our combined income disqualified him for the xtra help.
So we found a foundation through the manufacturer itself and applied and they approved him for $0 on one of his expensive heart meds!!!
There are generous people out there that want to help.
Hope you find the help you need🙂 12:09
I wii be retiring in July.
Hello, and thanks for these productions, as well as your service. In any of your productions, do you remember if when talking about Medicaid, do you refer to the "recovery act"? If so, which production comes to mind?
Thanks kindly.
No I haven't talked about that yet, but I definitely need to in the near future.
Dr.Ed, I am 62,on ssdi with medicare A & .B.I have bad dentures that are falling apart.Is there any program that I can get new dentures?I can't afford new dentures.
Hi Ed, while working at age 62 , I applied for retirement. I started receiving it , became disabled . Applied for SSDI, was approved. Received my award money .SSA took out retirement money for back pay, I’m I required to pay back money I received from retirement, if I was qualified for it?
Do you know how much money I can make and still get medicaid? I have many expensive rx, and I'm afraid to lose the 20 percent co pay on them. I also have Medicare.
Agents are constantly calling about Medicare with benefits cards, but I have Medicare and united Healthcare. Do I need to apply for this benefits also
I thought brokers were paid by the insurance companies so essentially they are working for them? Whoever pays the most would be the first on the list I would imagine.
Good question. All companies pay the same commission. That's regulated by Medicare (CMS).
The advantage looks and sounds great, but has drawbacks.
Yes there's definitely some drawbacks.
I am a veteran which entitles me to health care including my meds. I don't need medicare or medicare. Do I need to inform Social Security when I apply for my SS?
No, just refuse it at that time. Just make sure you are making the right decision. A lot of vets don't think they need it early on, but then in the future if they have a medical issue or don't like the VA, then it's difficult and expensive to enroll in Medicare Part B.
Sir Ed, how can I find out the requirements to qualify this low income benefits?
Each program has its own requirements.
Good information Ed. Question: what those persons who are ex-pats 100% of the year and therefore have no “home” state. Is there flexibility to choose a state for Medicare?
Medicare is a national program so your particular state doesn't really matter.
@@MyGovExpert thank you
That is true for traditional Medicare, but not for Medicare Advantage.
And what about Supplemental, is that not also by State?
Yes, those 2 other programs are state (area) specific. You really have to have residency in the state to get it over the long term.
@@randolphh8005 no it is not.
When my husband retires at 67 I will be 62. I was thinking I would like to apply for retirement. Do I get half of his SS? I know there will be a percentage SS takes. If he gets 3,000 a month mine would be 1500. Do you know how much I would receive? Also does the SS rules change a lot year to year?
Sorry for delayed response. Please join one of my many live Q&A sessions if you still have questions.
Can you have Medicare advantage plan and Medicaid and Medicare?
🙋🏻♀️ I really appreciate your info, maybe stick to bullet points 🙏🏼
Thank you for the suggestion. Take care, Ed
Doc. You sound like you’re selling insurance(part c, d, and medigap plans)
Yes, we also help people with that too.
Will they say in a thousand dollars for $1,037 or whatever that I make too much money to get them to pay for my insurance so I pay my insurance then they put me on theirs too which I haven't found a hospital that will take yet
What tip or trick can you relay that can help my sister? SS notified her they overpaid her and she submitted a rebuttal. They then took 50% of her SS and said her rebuttal is still “being considered/reviewed”…she has physically gone to the SS office month-after-month only to be told her AFTER A YEAR the SS is still “working on it” and coming back to the office or getting a lawyer won’t help the process. She’s been at this over 18 MONTHS and still no reply after spending hours on the phone only to be told “we’re backed up and the rebuttal is still under consideration”. What can she do to “Live on SS” when only getting 1/2 pay of an already small SS check (about $450) and months & months of excuses from SS??? Any suggestions would be most appreciated.
Make sure she watches my videos on overpayments.
@@MyGovExpert…thank you for your reply….unfortunately I don’t think Anderson Cooper will take my sister’s call 😔. After 18 months, her paperwork is probably buried 100 feet down in the “To Do” basket. They said the overpayment was $6000, and she’s already been docked $8100…I guess they’ll continue taking 1/2 her social security till they put her in the ground-the (purposeful) non-existence of customer service at SS is an unfortunate state of affairs for her & so many others. Appreciate your response though.
She needs to call her congressional representative. You might get somewhere with that.
My advice is read the book of Job. Be patient! Sure she is eating 🥣 well ha. We are a Country of strong 💪 people and I commend you for helping her I’m sure!
Sincerely Grateful, HB
I’m on Medicare now I do not pay for the prescriptions I receive yet, I don’t recall applying for prescription drug plan. My card only shows A & B, I have a supplemental through a broker.
You should have Part D too unless you have other credible coverage. If not, you will be penalized forever. Call my Medicare team and they can help you. 888-817-0446
Once in a Medicare Advantage program, can one switch back to regular medicare? And if one acquires a medical impairment or disability while in the advantage program, does this make a difference in going back to regularl medicare? Thanks.
Yes, it is possible. Give my Medicare plan team a call and they'll let you know your options. 888-817-0446
I was trying to claim spousal benefits, but they said his half of his net is less than my full gross (I took early at 62). How can they choose his net to my full retirement gross?
They compare PIAs. Please check out my new video.
This does not apply to Survivors...we are never a thought 😢😢😢
A lot of them can be used by survivors. 4 videos total. I hope they help, Ed
I am 62.5 on ssdi, my x husband of 17 years passed away 3 years ago, can I draw his ss and collect my ssdi? Also I had remarried over 20 years ago, divoes that divorced after 3 years, does that affect me from drawing off my first husband. I've been single for 22 years
Please join one of my FREE LIVE RUclips Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert
I received ssdi, and I am not 65 yet. Why do I have to wait 24 months for medical insurance? I can't afford to pay for it myself. I think if you're disabled you should get it right away.
@@commoveo1 you misunderstand
I agree one hundred percent
That only happens in rare cases. Many States have people on Medicaid while they wait out their 24 month required time where SSDI is concerned.
If you meet your State Medicaid requirements, of course.
I don't qualify for any help.
My point is that if you qualify for ssdi no matter what age, you should get Medicare at the same time.
Thank you for collecting this info. Next question is how to get responses from government when multiple applications have been filed, you qualify but can't get any responses. It took me 1+ yrs to get a response from Medicaid for a n example. I still am trying to get help with my falling apart house. No one responds.
Try this: ruclips.net/video/Bh_lLFd4Z6g/видео.html
If I apply for medicaid do I have to list my pension?
Almost definitely. Because Medicaid is a needs based program, you'll have to list your resources and income
Unfortunately I do not see the form below to be able to touch base with a broker
Sorry about that. I'll check it out. In the meantime, just email me at ed@mygovexpert.com. Please include your name, state, phone number, and what you need help with. Thank you
How do I know what medications are covered by plan? I am new to plan D. If I begin saving will I be penalized more money for plan b or D.
Give my Medicare team a call: 888-817-0446 They can go through the entire list with you!
Wait a minute you skipped number 10. Part one ended on number nine
Lol😅! Now I’m confused lol😅. ✨✌🏼✨
Yeah I mentioned that in the video. I just consolidated two points
Why don't they simply allow people to stay on Obama Care? So much simpler!!
That would make everything a whole lot easier, wouldn't it?
nd have been told that child support cant be consider as deduction to prove low income. in order to get help of SSI is it true that they only consider the gross and don't take child support to consideration for SS!?
Yes, unfortunately.
Please recommend a broker in central florida.
Please email me and we can find you one. Ed@mygovexpert.com
SS is a pain in the rear.
My husband will be 65 in August we need help setting him up please
Give my Medicare team a call at 888-817-0446 Take care, Ed
Thank you from the bottom of my heart , for all of the endless video's of content, that you continue to share , in an effort to help your fellow man. You Sir, are a precious soul and because of all that you so freely share, with those whom need such help, well in all honesty, its beyond what has ever even been attempted to attempt. It is important that you are aware, of just how precious and valuable all the experience you so willingly share, with those who truly need the content you are sharing. And yet you are able to explain everything in the simplest of understandable terms. So that your information is not lost in the translation. Thank you again, for your shared kindness.
🧐😢🙃😉🫶🏻❤️
Your videos are awesome. Have you considered not using a white background. It really isn't good on the eyes. ❤ Is there a program that helps with home repairs?
Thanks for the tip. All my new videos have a blue background. Try Habitat for humanity
Before I watch all 4 of these videos, are these just for retired SS people, or does it apply to SS disability too? (I'm 50 yrs old and disabled, living off 900$ a month, which isn't enough for any quality of life).
Good for everyone
👍
Thank thank you
when you apply for this stuff why dont they bring all this up when you do phone or office visits why keep us all in the dark only finding out about ot years down the line when its too late for most of it
Most offices are just too busy so they can't take the time. That's exactly why I started doing these videos.
My husband will be 65 next Feb 2025. Does he need to go to SS to sign up for part A? He will retire at 67 so he has insurance through his work
Yes get part A. If his work coverage is a group plan meaning I think 100 employees, he can keep it and put off paying for plan B as long as he works. If something changes it’s a qualifying event to pick up plan B without penalty.
He can sign up if he wants for Part A...but not mandatory. If he has an HSA, then don't enroll in Part A. I'm going to do a consolidated Medicare video in a few weeks. Please stay tuned. Take care, Ed
I have a question that probably you have already commented before in some of your videos.
I have a autistic son “high function “
I applied for ss when he was 8 years old and got denied and then at 11 denied and then 18 denied and finally in 2022 a grup of lawyers got him approved but he only got 1 year retroactive was paid and that was not very good. Another thing is that he didn’t got disability and he got ssa. Another thing is that he can’t stay away with me in my country more than 29 days. I hope you can get me some help
Please ask for a reconsideration.
How much money I will received at 66
Set up an account on ssa.gov to get an estimate.