How to file for retirement: Secrets from a Government Insider!
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- Опубликовано: 14 окт 2024
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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
I think for the recipient of social security benefits you can never have enough insider information! We need all the help we can get!
I agree. I have to make so many more videos...so many people are not getting the info they need in easy to understand language. Thanks for the comment and have a great Fourth of July! Take care, Ed
Thanks for the quick run down on Medicare Part A, and B for those who work.
You're welcome. Lots more to come
Dr. Ed
Thank You.
Oh how I Wish I knew all the info that your relaying, I'm watching & Hearing now when I filed.
Thanks so much for generously giving others the benefit of your knowledge and experience! This is very helpful.
Hi Glen, thank you so much for the kind words. Most SSA employees are completely burned out after 30-40 years and just want to relax. Because I had another career before SSA and retired early, I've still got the energy to keep doing this...another 20 years hopefully! Don't hesitate to reach out if you or someone you know needs help. Take care, Ed
I’ll be calling your office. Thank you.
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
You are a wealth of information. I learn something new every video.
Thank you.
Could you talk about being born on the 1st or 2nd day of the month and how that effects when you get your first check
Thank you so much!! Absolutely, I'll make sure to add that to a future video. Basically SSA says you attain your age the day before. So if you were born on June 1 and you would be 65 that day. SSA says you attained 65 the day before. So you turned 65 in May. If you were born on the 2nd, then you attained your age that month. Hope that helps. Take care, Ed Weir
I was your 1000th like on this video! Thank you for the great videos and content.
Awesome! Thank you!
Dr. Weir, So grateful for all you do. I'm spreading the word. You are correct, a weekend course does not make someone an expert. Your expert advice in invaluable. You are serving the community and giving back. It will keep you young!
If incorrect I was told we have to order our transcripts from IRS and order than send to ss. To get if older than 10 yrs on taxes you pay per year and still fighting irs to get. A nightmare trying to get. Can not get a hold of irs on phone. endless waits than hung up on.
Thank you, sir! I will definitely pass along this information.
Please do!
Good information, easy to understand.
So glad to hear that!! Stay tuned for a LOT more!!
Dr. Ed,
Thank you for what you are doing for people who are uneducated about the SSA Retirement Program like me. I am 63 years old, soon to be 64 and I am on SSDI. When I turn 65, will I have to file for regular SSA retirement, I mean literally fill out the paperwork? Or will that transition happen automatically and seamlessly in the background and I continue to receive my benefits.
You're welcome! Everything will be automatic when you turn 65. You will automatically be switched to retirement benefits. But your monthly amount and everything will stay the same. Give me a call if you want to make sure your Medicare plan is still the best for 2024. Tel: 702-738-1256
You read my mind! I was just going to ask u to "start from the beginning" Lots of good info here. Thank you so much!
Glad it was helpful!
New subscriber here, good imfo! its too funny how he gets sidetracked :)
Hi Marie, LOL!! Yea, I always get sidetracked...I've also been a university professor for a couple decades and it's worse there...but my students like the added context and stories....at least they say they do!! lol Take care, Ed
Thank you, for all the valuable information. Excellent!
Glad it was helpful!
Excellent information thank you.. you answered some of my concerns .
Thank you for the kind words! Glad that info helped, Ed
I appreciate the clear information you share with us. When I became disabled in 2004 I applied for disability I received Medicare starting in 2006 but when I turned 62 I continued to receive checks but the no longer showed that I was disabled but when I applied for state medicaid help they showed I was no longer disabled which I still am to this day. I was born in 1948, can you get ssi and SSDI or have it combined or have the state recognize that I'm still disabled
You're welcome. Once you reach your full retirement age SSA stops taking your money out of the disability trust fund and starts taking it out of the retirement trust fund. It's more of an accounting issue than anything else. Yes, you can get SSI and SSDI. Give me a call when you have time and let's make sure you're receiving everything you're eligible for. Take care, Ed 702-738-1256
New subscriber. Thanks I have alot to learn.
Awesome, thank you! And just as important, please help those around you with your new expertise!
Filed online in AZ. Why is a representative reviewing from California?
Please join one of my LIVE FREE 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. Or, you can schedule a private call here: linktr.ee/MyGovExpert
I thought it was $23,300.00 +/_ per year, not by the month.
I don't understand why people are penalized for not having Part B. I am a veteran, so that's where I get my meds and health care. I assume Part B, C or D won't apply to me? I am 64 now, turning 65 at end of March 2024. Thinking of filing then. Thanks for all your help and info!
Hello, thank you for your service. Medicare is like all other insurance. It's a pooled risk. People that are healthy and don't need it pay for people that need it at that time. If you are happy with your VA healthcare, then you can decide not to enroll in Part B. But if you don't and change your mind later, you will have to pay a penalty. Hope that helps, Ed
@@MyGovExpert Hi Ed, thank you for the reply. Currently I receive medications from the VA. Have not needed any other care or services from them so don't really know if I am happy with them for other things. But I have to look longer term, as I don't know if they will provide the things Part B or C will when the time comes and is needed, like wheel chairs, hospital beds etc. In your expert opinion, should I go for these things so I don't get penalized later if needed?
@@davidsyrus3157 So many variables. Schedule a time that works for you and let's talk.
calendly.com/mygovexpert/30min
I will be 65 this month. I have not received a packet with cards from Medicare. Have they changed this since your video was posted?
Are you already receiving monthly benefits? If not, you have to enroll. My Medicare team can go over the process with you. Just give them a call 888-817-0446
@@MyGovExpert no still working and my husband is too neither of us recd the packet from Medicare that you mentioned.
Thank-you! Very helpful. I appreciate the way you simplify AND demystify the process of applying. Curious to see if it rings true for me.(;
Hi Dori, glad to hear it helps. Don't hesitate to give me a call if you have any questions. Take care, Ed
My husband was married twice before we married;I am his third wife.He is retired and collects his previous deceased wife social security because it was more than his.If I retire before my full retirement age and his social security is more than what mine would be at my full retirement age can I collect his benefit amount?
Im 61 and my wife is 59. We have a 20 yo daughter with down syndrome. If I understand correctly I can file at 62 and my daughter and wife can receive benefits from my earnings. My wife as caretaker even though she's not 62. Correct?
Yes, you are correct on everything. You really did your research. Make sure you give me a call if you have any more questions. Take care of yourself, Ed
If you reach FRA in the middle of a month, say your birthday was on the 15th of the month, do you qualify for SS that includes that entire month? For example you reach FRA on January 15. Will you get your first SS check in February or in March?
The month you choose to start is when your benefits start. Your first check always comes a month "late". So your January check will come in Feb. Hope that helps, give me a call if you have any other questions. Take care, Ed
Thanks, Dr. Ed!
My dad, who is 89, was 'retired' by his company at 70 y/o - he is also retired military (TriCare for life) - he took his SS at 65 (his FRA) and my mom did likewise (spousal benefit) because the SS office person said they 'had' to take it. They did not sign up for Medicare because they both had the TriCare and company health insurance (on himself & Mom) ... At 70 when he went to sign up for Medicare - the month he retired - the S.S. office person told them they had to pay the penalty anyway - even though they were both covered on two different insurances for those five years! This has been a 'bone of contention' with him for, obviously, a long while. Any way to get a refund for all they had to overpay? edit: Mom passed in 2018 and he uses his V.A. benefits .... doesn't even use Medicare and still, he has to pay the 'over charge' ....
A lot of moving parts there. Let's schedule a time to talk and see how I can help:
calendly.com/mygovexpert/30min
I am divorced 3 years and my ex receives half my retirement but the IRS is still showing my full retirement as income, how do I fix this?
Also thank you for your helping others it is very appreciated
You are so welcome. Sorry, I don't do taxes. I've been trying unsuccessfully for years to cancel my IRS subscription.
Great information thank you sir.
Quick question if I collect social security at 62 by the time I reached 65 do they penalize me for not having any insurance for those 3 years?
There's no federal mandate to enroll in ACA health insurance before your 65. Some states do have some other regulations. But once you reach 65 you have to enroll in Medicare if you don't meet one of the exceptions.
excellent video
Thank you very much! Lots more to come!!
My wife is currently receiving her SS benefit and I have not filed. When I eventually file, she will be eligible for a spousal offset. Does my filing automatically trigger her spousal offset, or does she need to take action to start her additional benefit? If she needs to take action, does she need to wait for my benefit to be approved first?
Hello Mark, "offset"? Do you mean a WEP or GPO offset?
@@MyGovExpert I guess I didn't use the right word. I meant the additional amount she will receive for her total spousal benefit once I file. I've also heard it called the spousal topoff. Since she is dually entitled, my understanding is that her spousal benefit will be a combination of her benefit and the portion that will bring her up to half my PIA. Does that make my question clearer?
Hi Mark, thank you. Yes, you are correct. She will receive up to 50% of your full benefit amount. If she starts at or after her full retirement age, then she will receive exactly 50%. Please let me know if you or someone you know have any questions. Take care, Ed
I don't know if you can answer questions here or if someone can. My sister told me about you. My ex-husband passed away in 2020 but I just found out this year. If I would have known I could have been collecting on his social security. I've lost about 50,000 in Social Security benefits because I did not know he had passed away. Do you know what the chances are of me appealing and getting back pay thank you.
Please join one of my LIVE FREE 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
Thanks. My work schedule is tough.
Great Info!! I went back to work 8 months after payment started at 62. Was unaware (my bad) of the pay limit impact and did not notify social security. The contacted me in Fall 2020, cut off payments and sent me a bill for the overpayment. Have not paid it back yet. Reach full retirement in September this year. Do I need to repay overpayment before they will begin SS payments again?
Hi Mike, you should set up a payment plan as soon as possible. Give me a call when you have some time and I'll go over the entire process. Take care, Ed 702-738-1256
😊@@MyGovExpert
I am an American who worked for about 9 years in Germany for Germany companies back in the 1980's and 1990's. I paid German taxes as well paying into the German social security system. My wife and I moved back to the States where I worked for American companies paying in the the US social security. I have a social security account set up. Checking my social security account it indicates that I have enough credits to receive social security. I plan to retire in 4 years. My question is: How do I add my German work time/ German social security work credit to my US social security income/work credit. I had heard that the US and Germany have an agreement to count each others times towards social security credit/income calculation? Thanks.
These "Totalization Agreement" claims are handled by the Office of International Operations (OIO). You submit your claim through your local SSA office and they forward it to OIO. The entire program is extremely difficult and each case is unique. So it's best to have the official office work with their German counterparts to see what you're eligible for.
However, here is the agreement: www.ssa.gov/international/Agreement_Pamphlets/germany.html#monthly
Sorry I couldn't be any more help. I've done a few between the U.S. and Canada, and the U.S. and Japan...but not many on Germany. Take care, Ed
Great video ! Thank so much for taking the time to provide this very important information.
Hi Carl, thank you so much! I'm only getting started!...lots more to come.
@@MyGovExpert Thanks for getting back with me and the information.
****I am subscribed to you and so grateful you are here, yet i have an irrational fear of watching your videos. I get anxiety attacks even thinking about these subjects and having to face them. I probably did everything wrong. Maybe ill try a tranquilizer and then try lol. But really it's not funny.****
Yea, you just don't know what you don't know....but remember, every day above ground is a good day and what's done is done!!
My brothers social security numbers was suspended in his 40s, he is now 70 and I would like him to get his benefits. Would you have suggestions? I have a signed power of attorney. I am getting the form from SS to assign the ability to represent him. He was barred from Social Security offices in his state. He is disgusted by the process, but it doesn't seem fair, they abasically stole his identity.
Hi Jay, sorry to hear all that. SSA doesn't recognize a Power of Attorney. You would have to be appointed his representative by SSA or his Representative Payee if you want to be in control of his benefits. If he was barred from SSA offices, then he has to do everything over the phone, or, schedule an appointment for an in office appointment and tell them he has been barred. But you should be able to do almost everything once you are appointed his representative. Hope that helps, Ed
@@MyGovExpert That really is helpful. I have the forms and will mail them to him. You are pretty great. Thanks
So happy I was able to help. Take care and good luck, Ed
My on line SSA account has an open retirement claim that doesn't exist. SSA says it doesn't exist on their end. However my on line account is basically frozen and useless. I can't start a legitimate retirement claim, check earnings, estimate benefits, etc. HELP!
That's strange. First time I've heard of that happening. Did you call your local office or the national # 800-772-1213?
Yes.....Some further clarification however. On 12/17/2022 I opened a SSD claim through a third party (lawyer). They were instructed NOT to open a SSR claim and vehemently insist they did not. However on 12/21/2022 an open, pending SSR claim showed up on my account. Claim details show this SSR claim was initiated by same third party. Said lawyer has written two letters (I have copies) disavowing the claim and called their SSA contact. Said contact stated no such SSR claim exists in my name. They do not know why it is showing as active on my on line account. The SSA clerk I spoke too confirmed no such SSR claim exists in my name...........
I have the sense (perhaps wrongly) this is an IT issue as no one can fix/re-boot/re-store my personal on line SSA account to show an open SSD claim, but not an SSR claim......I am 64, 3 months old and would like to investigate legitimately filing for SSR benefits. I cannot verify earnings, estimate benefits as my account is frozen. I do not want to spend a day waiting at my local SSA office. Very, very frustrating. Thx for your time.
If I need or want to file my ex spouse’s benefits, will the office ask for a marriage license & or court divorce decree?
I'm doing a RUclips Live this Thursday at 3pm PST. I will answer your question then more fully than I can do here. It's a common question that many have! See you then!
After you start collecting your social security and your still working do they figure you're income by the month or by the year ?
In terms of the Annual Earning Limit, monthly the first year, and annually after that. Schedule a time that works for you so we can check out all your options: calendly.com/mygovexpert/30min
Question re protective filing..I was told I'd get fiunds from 6 months prior to rec SS
when I called then was told no not true
Can I email you,
Thank you
love your videos
Please join one of my LIVE FREE 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
File for SS retirement before age 62. What happens to my benefits.
Sorry, not sure what you mean. Please visit my live chat from 2-7pm PST on my website: MyGovExpert.com
I get ss and ssi why I don't get retirement I am 68 Year s old
The "ss" should be your retirement. If it is too low and you qualify, they give you SSI as well. Give me a call sometime and let's see if I can find you some more money. Take care, Ed 888-817-0446
@20Schmidt
How long does the SSA retirement benefits application process normally take? (application submission confirmation to receiving award letter).
Has been a 6-month wait for myself (application received confirmation on March 20, 2024) so far.
My application has been reviewed and they said I have the 40+ work credits to receive benefits.
Waiting for the award letter.
Have read it usually takes 3-5 months.
Can anyone who's been through the process tell me how long it took?
Getting concerned (thought i'd have received my letter in August...realistic timeframe).
Thank You for any input.
Please join one of my LIVE FREE 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
What if your 73 disabled and can’t physically work but you brain is still ok . Any opinions
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