That's absolutely correct! SSA representatives do give invalid information. I had to aggressively pursue my rightful benefits. I filed online and followed up with my local office and was told at my local SSA by 2 green reps that I was ineligible for survivor spouse benefits, and they sent me a letter stating that. All of this occurred after I forwarded all necessary legal documents (which they lost). I appealed the decision and only got it afterwards. Exhausted and stressed but perservered. You Tube channels like this prepared me for my filing and benefit eligibility requirements. Thank you Dr. Ed. 🎉
Please make sure to call your two Senators and your Representative and make it known that you will not be voting for them in the future if they vote for any bills that will allow for retirement age to be raised, or benefits to be cut. Also make sure that they know that you want them to vote instead on a bill to get rid of the income cap on FICA taxes. By making everyone at every level of income pay their fair share, we can save the program for generations.
I hear you!!! I worked until I could no longer do so. It took me 3 years to finally get approved for SSD. If it were not for my friend and my parent's help, I would not have made it through that 3 year dry spell. After all that time working full time jobs to support my daughter and myself, now they are going to cut my benefits. I worked really hard and often had a second job to make ends meet. This is out-and-out wrong!!!!!! It will not be long before folks will learn to vote for Democrats. This last term with Trump will teach voters to vote for Democrats because they care more about folks like me who need the Disability benefits.
This is why the $140,000 cap on FICA no longer needs to pay in. This needs to be changed and raised or eliminated altogether. That would increase the amount of money coming in to Social Security. Oh, by the way, I love this channel very informative share with everyone I can to subscribe to this channel. All the others are bull crap and just click bates four numbers. Listen to this man he’s reliable.😊
Privatizing Social Security via Wall Street gives me "let's break up these worthless mortgages into gambling chips for the short-traders" vibes. This is so damned wrong.
I wish that voters didn't have such a short memory. Wall Street is essentially legalized gambling. Sure some people will have extraordinary luck and become very wealthy. Others will lose everything they have. We absolutely cannot allow the government to gamble with these funds.
Advantage plans are the worst! Sign up for an advantage plan and expect to strip at least a decade from your lifespan. Well, maybe that’s the goal of these snakes.
Don’t get on a advantage plan!!! hospitals, and doctors are starting to stop taking advantage plans because they are either taking too long to pay or rejecting claims. If I’m Medicare, don’t change or could mess up your Medicare. Stick where you are better coverage with Medicare and Medicaid. Just trolling trying to get clicks by offering X amount of dollars (depending on who’s channel is offering just click bait to get you to call answer three questions then transfers you to an agent who tries to sell you an advantage plan! Don’t fall for it! Keep your Medicare and our Medicaid for a reputable insurance company😜
I think every high school senior should be required to take a semester class on all this SS and Medicare to be allowed to graduate or turn 18. It should be a part of the CIVICS program. Maybe, a class for couples wanting to get married too? 😊
Absolutely. Should know about Social Security and that Social Security should not be their only source of income and that Social Security does not grow does not draw interest like an investment does. And not only that. Should learn about financial stuff like borrowing money about loans and interest rate and other financial stuff
Dr. Oz is a quack but my Medicare Advantage Plan is actually pretty good. Low co-pays, and they have paid for all labs and doctor visits. They pay for acupuncture and chiropractor, too. Vision and dental are practically worthless but the rest is good.
Although that did decrease the number of people collecting benefits a bit, especially in the older generations, many of the deceased might still have a surviving spouse collecting their benefit at this point. There were also a very significant number of middle-aged and younger people who were taken by the pandemic, reducing the number workers who were paying into the system. And many of them would have minor children who now qualify for benefits on the deceased parents records. And then there were the people who decided to retire early because of the pandemic, who went from being workers paying into the system to beneficiaries collecting from the system. So overall, it didn't end up being a significant enough drop in what is being paid out to save the program long-term
why are they planning to cut down on Social Security when retirees are getting below poverty SS monthly ? Everything is going up and they are thinking about cutting back on SS security? I look that up on the amount to qualify for SNAP it’s 16,800 annually, no wonder a lot of seniors are living on the streets ?
@@feeb812 And some States keep decreasing the income limit because then, far too many people would qualify for SNAP. It's sad and unfair when it's only a 1 income household. Food bank's are tapped out and that goes for Churches too. Meals On Wheels is a good program and can help many. I've also seen on different platforms though that, this program is not the same, everywhere. I don't know what the answers are but, there definitely has got to be better advocating for the elderly who fall through the cracks and the disabled in that same situation. I try hard to advocate for myself and others, my existence is almost gone though.
Because they don't care about us. And the new government folks coming in are millionaires and billionaires. They really don't care. I wish I lived in Denmark or Sweden or Norway.
Any yearly COLA increases do NOT cover by any means the increase of costs for that particular year they are based on. Also there were some years not too long ago where SS payments didn’t increase at all...a big fat ZERO increase!
There are thousands of people talking about ss on gettr platform.I just went and shared it there. People need to understand all these matters. Thank you for your hard work and kindness to humanity. Sir there are people getting less than 1000 a month here in us.I know one that gets 800.00 soon many will have to leave their nation to survive.😢
@@MsAure Have you suggested to this person that they should check in to applying for SSI aged. They may or may not qualify, depending on resources/assets, other available income, etc. They'd have to be 65 or older for the aged part.
Both sides have kicked the can down the road. None of government cares about when you retire. Many worked when wages was lower. Now terrble inflation a 2% cola is insulting
My wait time on phone was 170 minutes just to get to the appointment person! then she told me I didn’t need to make an appointment although the last SS counselors said I did! then she said she was Only from the call center so really didn’t know!!!
I would call back and wait on hold for a number of hours again, and be sure to make an appointment regardless of what the first person told you, because as of January, it will only be appointments -- no more walk-ins to the waiting room at the actual Social Security building without an appointment
The thing that gets me is if we need a lawyer or someone who has to explain a 2000 page answer, it’s completely corrupted. We paid in we deserve our money back.
Well, Im not FRA til 2027 so...don't know how Im gonna be able to make it...already having a bit of trouble working and living in a very expensive area, need to move to my home that I bought last year, in a much cheaper area, and my bills will be cheaper, but don't know how ill work, as there isn't a lot I'd want to do there...and the pay rate is much less than here so may have to do medicare, and it will cost me!
This topic is about SS not welfare. But you are correct that there are people with multiple SSNs collecting benefits, and even more dead people still collecting benefits.
@gregonthego I have to agree with that. When I was in college, I was visiting a friend who lived in a trailer park. A neighbor of his had five kids, none of which had shoes. I asked the mother why does she have so many children if she can't afford to clothe them? Her response, "I can get more welfare money." Scary.
That was a weird & stupid question someone asked you, .."are you liberal or democrat?" Been listening to your channel about two months now and you certainly don't appear to be either. Love your information, thank you. You seem honest & use common sense. That person was a troll. I'm 67yo, working F/T, and hope to do so to 70. I hear they MAKE you retire then. So if you can further on that, would appreciate. 😊
I know of at least 3 people who have not claimed social security and 2 are in their 80’s and one 70ish. The ones in their 80’s also did not claim Medicare. They have money.
I was on worker’s compensation from 12/21/2009 and now terminated on 12/6/2024. Im actively getting SSD. I just sent them the notice of termination for adjustment to be made since they served as an offset income. I just applied for immediate retirement through previous govt job… will SSD still serve as an offset when my retirement goes through? Im filing through office of personnel management for retirement. I’m 58 with 30 yrs of service. I’m divorced after 28 yrs married… he’s retired and 70 now. Am I eligible for the IEDSB? Will he find out? Do I have to in person or permitted online?
Dr Oz maybe a proponent of Medicare Advantage for all, but AOC has said many times that she wants Medicare for all. And we all know that Medicare only covers 80% with a 20% Unlimited liability for the covered person. So it's not just Republicans who are talking about these things!
It's not about liberal vs. conservative, or about Democrat vs. Republican. The key difference in the issue with Dr. Oz is the word "advantage" -- because the advantage plans are basically a very strict HMO that covers (most of) that other 20% of costs, while the "supplement" plans that people purchase separately from their Medicare part A and part B coverage in order to cover most of that other 20% of costs are more like old-fashioned point of service insurance, where you don't have to worry about whether or not the doctor is in your network, etc. Both advantage plans and supplement plans fall under part D in terms of the drug coverage. And supplement plans are definitely more pricey, and sometimes too expensive for many retirees who end up having no choice but to take an advantage plan. I don't think Dr. Ed is trying to be ultra liberal. He just wants politicians who will be looking out for the American people and helping to protect Social Security and Medicare as opposed to privatizing it and giving all the money to Wall Street.
And if you know that your benefit is already more than his, that would mean that your benefit is absolutely going to be more than half of his - and that's the cut off point.
Undocumented immigrants can pay into Social Security if they work and have a valid taxpayer identification number, such as an Individual Taxpayer Identification Number (ITIN) or a valid Social Security number (SSN) obtained through legal means. They pay Social Security taxes through payroll deductions, but they are typically ineligible to receive benefits unless they meet other eligibility criteria.
I live in the Philippines , a US citizen on Social Security Retirement Benefits trying to Updated my information so that there is no interruption in my payments. I ve tried doing online threw Social Security online but the all want a US address and phone which I no longer have.Tried calling and waiting on hold which always eventually hangs up on me. I ve even tried emailing US Social Security here in Manila with no results . What can I do to update my info. any suggestions? Thank You ! Keep up the the Great Work. Let me know what I can do living in the Philippines.
Started working legally at the age of 13 when I received a work permit. Now 57 years old and learning how much I’ve been ripped off by the government is not good. My life has been work work working hard 😓. It’s all been a scam the entire time.
You must take out a D now by law, even if you don’t take meds. My Medicare started while I was working with full health insurance. When I stopped working and bought a D then next enrollment time, still no meds, but now I pay a monthly penalty amount for my D, still on no meds.
It's required to take on a part D coverage along with the A and B if you are not still currently working and receiving healthcare benefits through your paid job, because Medicare is essentially an insurance policy. You can't just go buy auto insurance the day after you get into a car wreck. Likewise you can't wait until you develop a health problem that requires medication to purchase part D coverage.
Why is it that if this proposed deal for Social Security goes through it will go back an entire year of back payments, but I am 70 and should have received survivor benefits since I was 60 but only found out about it recently and I can only get 6 months back pay? NOT FAIR!
In Oregon as I understand it, no. But there is a 5 year look back they do. If you put it in a trust and die two years later they can take it. Don't take my word for it I think it's really complicated and different in each state. Your medicaid office might have someone in their Recovery program that would know. It's called that because medicaid tries to recover their costs if you go into long term care and they pay for it. It's savage and cruel. Why can't we be like other civilized countries?
I married someone 10 yrs younger, and we were married for 20 yrs. I filed at 67 and currently getting a little over $1500, with another $200 coming from CalPers. We’ve been divorced since 2011. He is still working in a Union job and made me sign away any union benefits. I heard you mention something about divorced couples. Is there anything i can do to increase my Social Security?
I’m confused⁉️ I was drawing SSDI since 2004 then when I turned 65 they changed me to retired instead. So I don’t understand am I still on SSDI or am I considered retired and drawing retirement benefits⁉️
My ladyfriend is 61.Shes a widow for 9 years.Works but feels her wages would keep her from pulling survivor benefits.How much could she make and pull benefits?
Hey there. I started drawing my SS at 63, I’m 70 now. My husband started drawing his SS at 67, an he is still working an 9:00 paying SS. My question is-Shouldn’t I be receiving 1/2 of my husband’s SS each month? Thank You?
The year you turn full retirement age, the earnings cap goes up to 60,000. You must stay under 60K in the months before you reach FRA. I reach my FRA in April, and will start my retirement benefit in January. Those 4 months will be at $80 less because I'm taking it a few months early, but it totals over $13k for me. I'm taking it starting in January.
I’m on Medicaid but I have but I have to pay for my part B and they gave me part c??? I’m single and struggling. Also, are there any programs out there that help you get a car?
@@brendaanthony6202 If your SSDI monthly amount is over $967.00 for 2025, you wouldn't qualify for SSI. You'd have to check into Grants as a Disabled person for purchasing a vehicle. They aren't easy to obtain. If both you and your ex spouse are 62 years old, were married 10 years , you're single, been Divorced 2 years, then you can apply for IEDS.
Did anyone notice about the person who has been living in the Philippines who was going to marry someone with four underage children? So he's over the social security retirement age and now he's going to be getting benefits for all four of his stepchildren. Is that allowed? Yes apparently so but is it right? No I don't think so if you want to have children or step-children at an older age you need to plan for yourself on how you're going to raise them. Why should my retirement money or disability money or anyone else's go to your children just because you decided to become a parent at a late age? just saying
I believe my granddaughter’s father (who never sees her) has been on SSI for many years, I’m not sure when he got put on it, can she get some type of money since he is on SSI? And would she get reimbursed for back pay?
Regarding your granddaughter, there'd have to be a Court Order for garnishment sent from the Court to the SSA. If he's receiving SSI, the Welfare program they can't garnish anything from his checks.
I was looking at making under $15,000 in 2025 along w/Medicaid benefits. I just got approved for survivor benefits for an additional $13,000. I currently have UHC Dual Complete. With the new increase I'll lose all Medicaid benefits & my UHC plan. 😢
For 2025, the Social Security cap is $176,100. This means earnings up to that amount are taxed via FICA payroll taxes, but earnings above that amount are not.
QUESTION: Why is SSDI and death benefits for family members of adults under 62 in the SS out of money? Seems like SS should only be for the people that pay into it and the SSDI come from somewhere else
I'm currently going through a divorce after 16 years. I was married 19 years to my deceased ex-husband. I am 60 years old. Can I draw SSI off my ex-husband who would have been 62 this past year?
Unfortunately, I don't think you can because you were remarried (to the current husband whom you are divorcing) before the age of 60. However, once you are fully divorced from the current husband, and remain unmarried, and are also at least 62, you might be able to pull benefits from your second husband's record as an independently entitled divorced spouse once the second husband also reaches a certain age. I don't remember all of the particulars, but this would be a very good question for Dr. Ed during his next live stream.
You do have your be divorced from your current husband and also be 62 then yes you can collect off of deceased husband. Exactly what my friend did and she didn’t talk about her prior marriage just had the death certificate and old marriage license
Dr. Ed, I had my interview with Manila SS in August and was told my survivor’s benefit would start in September. I haven’t heard from them yet. I understand you have many questions to answer and might have missed mine on the live chat. Should I call or wait? Thanks.
I have almost the same story as you. Applied for spousal benefits survivor's benefits I didn't start getting my increase payment in October when I was supposed to get back pain that would go back to January 1st of 2024. And I called and called about that no one can you give me any information. Apply for my benefits in August I think it was 2nd. It's crazy I don't know what to do.
I am trying to enroll my wife for spouseal benefits. Her technical skills are limited so I am trying to fill out the application as though I were her since I know all of her information. I have tried to apply online several times from her email as well as my own email. It never goes through. After completing the first page of the application, when I click NEXT, I get a message which says "we cannot process your request online." So I called the SS 800 number and was told there would be a two hour wait. WTF?? So I have decided to try the USMail. Any advice?
Travis Moore had the best 4 questions in the chat. only TWO were read. He wants to adopt foreign kids two of which are over 18 years old. and he's not married to the mother. Does he have to ADOPT them? Before they can colllect his SS benefits. What ? more illegals? It sounded like an illegal move to me. Darn I wish Ed would have read the last two questions.
I hate all the political BS on this channel. Stop it please. There isn't one side red or blue that it's not without fault that we're in the position we're in.
Ummmm yes you are correct both parties have kicked the can down the road and are both to blame. What he is pointing out is something needs to be done now or cuts are coming. Trump made things worse with his promise to cut taxes on social security that go to pay SS benefits. His threat to deport everyone also lowers the money coming into SS too. He alone can fix this. It's crunch time on his watch now....fix it!!
@@fvvfvbbbb Not correct the no tax on social security refers to federal income taxes on your social security benefits... it has no affect on the taxes collected on paychecks that fund the payments.
Dr. Ed points out all the time that both political parties are to blame for what is going on right now, because they didn't do the right thing back in the 1980s when they were planning ahead for the extra burden of the baby boomers. And the quick fix they decided on is running out at this point. We need to make sure to tell ALL of our politicians, regardless of party, to remove the income limit on FICA taxes. Otherwise we're going to be doing the same thing to our children and grandchildren that the politicians in the 70s and 80s did to us.
I was looking at making under $15,000 in 2025 along w/Medicaid benefits. I just got approved for survivor benefits for an additional $13,000. I currently have UHC Dual Complete. With the new increase I'll lose all Medicaid benefits & my UHC plan. 😢
You might lose the free coverage through Medicaid, but your total income might still be low enough to qualify for some sort of subsidy in the insurance policy that you do purchase.
That's absolutely correct! SSA representatives do give invalid information. I had to aggressively pursue my rightful benefits. I filed online and followed up with my local office and was told at my local SSA by 2 green reps that I was ineligible for survivor spouse benefits, and they sent me a letter stating that. All of this occurred after I forwarded all necessary legal documents (which they lost). I appealed the decision and only got it afterwards. Exhausted and stressed but perservered. You Tube channels like this prepared me for my filing and benefit eligibility requirements. Thank you Dr. Ed. 🎉
Raising the FICA cap seems a no brainer. 😊
There is benefit cap too, are you equally willing to raise it?
Im 68. Ive worked all my life. Hard. Now they want to cut what ive paid in for over 50 years. Its B.S.
@@JB-md6jz Agree! Same thoughts here! Pisses me off!!
Please make sure to call your two Senators and your Representative and make it known that you will not be voting for them in the future if they vote for any bills that will allow for retirement age to be raised, or benefits to be cut.
Also make sure that they know that you want them to vote instead on a bill to get rid of the income cap on FICA taxes. By making everyone at every level of income pay their fair share, we can save the program for generations.
I hear you!!! I worked until I could no longer do so. It took me 3 years to finally get approved for SSD. If it were not for my friend and my parent's help, I would not have made it through that 3 year dry spell. After all that time working full time jobs to support my daughter and myself, now they are going to cut my benefits. I worked really hard and often had a second job to make ends meet. This is out-and-out wrong!!!!!! It will not be long before folks will learn to vote for Democrats. This last term with Trump will teach voters to vote for Democrats because they care more about folks like me who need the Disability benefits.
No cuts for Lebanon, Africa or 🇺🇦, though! Nope. No cuts for welfare, either.
Good morning .
Thank you for the great knowledge and education.
You deserve the praise for your helping people understand all the things that are hard to wrap your mind around 😊 thank you!
This is why the $140,000 cap on FICA no longer needs to pay in. This needs to be changed and raised or eliminated altogether. That would increase the amount of money coming in to Social Security. Oh, by the way, I love this channel very informative share with everyone I can to subscribe to this channel. All the others are bull crap and just click bates four numbers. Listen to this man he’s reliable.😊
Privatizing Social Security via Wall Street gives me "let's break up these worthless mortgages into gambling chips for the short-traders" vibes. This is so damned wrong.
What privatizing of SS? Are you talking about Medicare?
@@gbinmannot likely. They have been talking about privatizing social security as well.
I wish that voters didn't have such a short memory. Wall Street is essentially legalized gambling. Sure some people will have extraordinary luck and become very wealthy. Others will lose everything they have. We absolutely cannot allow the government to gamble with these funds.
The SS handle by the Wall Street... HELL NOOOO
Dr Ed. Thank you for your help Please Sir stand guard for us
Advantage plans are the worst! Sign up for an advantage plan and expect to strip at least a decade from your lifespan. Well, maybe that’s the goal of these snakes.
Don’t get on a advantage plan!!! hospitals, and doctors are starting to stop taking advantage plans because they are either taking too long to pay or rejecting claims. If I’m Medicare, don’t change or could mess up your Medicare. Stick where you are better coverage with Medicare and Medicaid. Just trolling trying to get clicks by offering X amount of dollars (depending on who’s channel is offering just click bait to get you to call answer three questions then transfers you to an agent who tries to sell you an advantage plan! Don’t fall for it! Keep your Medicare and our Medicaid for a reputable insurance company😜
My family doctor said do not take an advantage plan!!!@Hope-f5z
Why not stop money going to war...stop war and funnel those funds towards Social Security Fund!
I'm curious too !!
brenda: It's that pesky law again. It is illegal for the government to contribute to SS.
I think every high school senior should be required to take a semester class on all this SS and Medicare to be allowed to graduate or turn 18. It should be a part of the CIVICS program. Maybe, a class for couples wanting to get married too? 😊
Absolutely. Should know about Social Security and that Social Security should not be their only source of income and that Social Security does not grow does not draw interest like an investment does. And not only that. Should learn about financial stuff like borrowing money about loans and interest rate and other financial stuff
Yes, Congratulations on 300k. That’s awesome!!!🎉🎊🎁
NO MEDICARE ADVANTAGE!!!!!!!!! UNLESS YOU WANT TO PAY FOR ALMOST EVERYTHING YOURSELF!!!!!!!!
This topic is about SS, not Medicare
Not true. I haven't paid for hardly anything except for dental and eyeglasses.
@@KittysMom2 I've had three surgeries in the last year, each only costing $190 total out of pocket.
Dr. Oz is a quack but my Medicare Advantage Plan is actually pretty good. Low co-pays, and they have paid for all labs and doctor visits. They pay for acupuncture and chiropractor, too. Vision and dental are practically worthless but the rest is good.
Amen, & thank you 🙏
The FICA needs to be increased.
And I am sure you are all willing to raise the benefit cap?
What about all the extra deaths that has occurred over the past several years...hence less Soc. SEC. funds have been paid out??
Although that did decrease the number of people collecting benefits a bit, especially in the older generations, many of the deceased might still have a surviving spouse collecting their benefit at this point.
There were also a very significant number of middle-aged and younger people who were taken by the pandemic, reducing the number workers who were paying into the system. And many of them would have minor children who now qualify for benefits on the deceased parents records.
And then there were the people who decided to retire early because of the pandemic, who went from being workers paying into the system to beneficiaries collecting from the system.
So overall, it didn't end up being a significant enough drop in what is being paid out to save the program long-term
I know right? All the unnecessary deaths from Covid due to Trumps response and cover ups.
My drug plan went from $10 to $45. Lets have the "life" political people pay their own insurance instead of us paying it for them.
@@KittysMom2 Definitely!! That NEEDS to happen, to change! DOGE needs to get right on that!!
I was shocked when I went from $8 to $45!!! And I do t even take any type of drugs!
Thank you for the information Sir. 👍🙏
why are they planning to cut down on Social Security when retirees are getting below poverty SS monthly ?
Everything is going up and they are thinking about cutting back on SS security?
I look that up on the amount to qualify for SNAP it’s 16,800 annually, no wonder a lot of seniors are living on the streets ?
Will be millions more living on the street. They just want us to die early.
@@feeb812 And some States keep decreasing the income limit because then, far too many people would qualify for SNAP. It's sad and unfair when it's only a 1 income household. Food bank's are tapped out and that goes for Churches too. Meals On Wheels is a good program and can help many. I've also seen on different platforms though that, this program is not the same, everywhere. I don't know what the answers are but, there definitely has got to be better advocating for the elderly who fall through the cracks and the disabled in that same situation. I try hard to advocate for myself and others, my existence is almost gone though.
Because they don't care about us. And the new government folks coming in are millionaires and billionaires. They really don't care. I wish I lived in Denmark or Sweden or Norway.
Any yearly COLA increases do NOT cover by any means the increase of costs for that particular year they are based on. Also there were some years not too long ago where SS payments didn’t increase at all...a big fat ZERO increase!
He is a very knowledgeable and sensible man with excellent reasoning!
There are thousands of people talking about ss on gettr platform.I just went and shared it there. People need to understand all these matters. Thank you for your hard work and kindness to humanity. Sir there are people getting less than 1000 a month here in us.I know one that gets 800.00 soon many will have to leave their nation to survive.😢
@@MsAure Have you suggested to this person that they should check in to applying for SSI aged. They may or may not qualify, depending on resources/assets, other available income, etc. They'd have to be 65 or older for the aged part.
@@DebLindley-xg8gz I don't know anything about it but will pass on the information.Thank you!
Both sides have kicked the can down the road. None of government cares about when you retire. Many worked when wages was lower. Now terrble inflation a 2% cola is insulting
2.5% but who is counting
My wait time on phone was 170 minutes just to get to the appointment person! then she told me I didn’t need to make an appointment although the last SS counselors said I did! then she said she was Only from the call center so really didn’t know!!!
I would call back and wait on hold for a number of hours again, and be sure to make an appointment regardless of what the first person told you, because as of January, it will only be appointments -- no more walk-ins to the waiting room at the actual Social Security building without an appointment
The thing that gets me is if we need a lawyer or someone who has to explain a 2000 page answer, it’s completely corrupted. We paid in we deserve our money back.
Well, Im not FRA til 2027 so...don't know how Im gonna be able to make it...already having a bit of trouble working and living in a very expensive area, need to move to my home that I bought last year, in a much cheaper area, and my bills will be cheaper, but don't know how ill work, as there isn't a lot I'd want to do there...and the pay rate is much less than here so may have to do medicare, and it will cost me!
Welfare benefits SHOULD be more scrutinized. There is a lot of abuse.
This topic is about SS not welfare. But you are correct that there are people with multiple SSNs collecting benefits, and even more dead people still collecting benefits.
@gregonthego I have to agree with that. When I was in college, I was visiting a friend who lived in a trailer park. A neighbor of his had five kids, none of which had shoes. I asked the mother why does she have so many children if she can't afford to clothe them? Her response, "I can get more welfare money." Scary.
When was the fica cap put into place?
Cola increases are a joke
That was a weird & stupid question someone asked you, .."are you liberal or democrat?" Been listening to your channel about two months now and you certainly don't appear to be either. Love your information, thank you. You seem honest & use common sense. That person was a troll. I'm 67yo, working F/T, and hope to do so to 70. I hear they MAKE you retire then. So if you can further on that, would appreciate. 😊
I know of at least 3 people who have not claimed social security and 2 are in their 80’s and one 70ish. The ones in their 80’s also did not claim Medicare. They have money.
You should be able to work and draw SS at the same time at 70 .
Has anyone had a petition to remove the cap on FICA?
I am debating retiring at my full retirement age. I plan to continue working until 70. Will I still receive the 8% yearly boost through age 70?
New subscriber like your channel very informative keep up the good work
Thanks and welcome
Thank you for the update
Tell the millionaires no ssi for them
Millionaires don't receive SSI. Are you confusing SSA with SSI?
I was on worker’s compensation from 12/21/2009 and now terminated on 12/6/2024. Im actively getting SSD. I just sent them the notice of termination for adjustment to be made since they served as an offset income. I just applied for immediate retirement through previous govt job… will SSD still serve as an offset when my retirement goes through? Im filing through office of personnel management for retirement. I’m 58 with 30 yrs of service.
I’m divorced after 28 yrs married… he’s retired and 70 now. Am I eligible for the IEDSB? Will he find out? Do I have to in person or permitted online?
Dr Oz maybe a proponent of Medicare Advantage for all, but AOC has said many times that she wants Medicare for all. And we all know that Medicare only covers 80% with a 20% Unlimited liability for the covered person. So it's not just Republicans who are talking about these things!
@@Savannah-ed4rv It appears the guy on here is a liberal and bias against Trump. He is incorrectly quoting Trump.
It's not about liberal vs. conservative, or about Democrat vs. Republican. The key difference in the issue with Dr. Oz is the word "advantage" -- because the advantage plans are basically a very strict HMO that covers (most of) that other 20% of costs, while the "supplement" plans that people purchase separately from their Medicare part A and part B coverage in order to cover most of that other 20% of costs are more like old-fashioned point of service insurance, where you don't have to worry about whether or not the doctor is in your network, etc.
Both advantage plans and supplement plans fall under part D in terms of the drug coverage. And supplement plans are definitely more pricey, and sometimes too expensive for many retirees who end up having no choice but to take an advantage plan.
I don't think Dr. Ed is trying to be ultra liberal. He just wants politicians who will be looking out for the American people and helping to protect Social Security and Medicare as opposed to privatizing it and giving all the money to Wall Street.
I will retire under Trump so I need all the money
Im going to be 60 in 2025 can i collect survivor benefit an still work until my retirement age?
My ex husband died in 2024. We were married 18 years. am
I able to draw any of his social security if his money was less than mine is now?
Yes if he is 62 of age now even if he passed away and you get survivor benefits which is very helpful as my friend got her ex-husbands.
Also you have to be 62 as well
It depends on whether or not you got remarried again after the divorce and before the age of 60.
@@lisaromo1252I think, survivors benefits are at 60.
And if you know that your benefit is already more than his, that would mean that your benefit is absolutely going to be more than half of his - and that's the cut off point.
If they are illegals, how are they paying into Social Security?
Exactly!
Undocumented immigrants can pay into Social Security if they work and have a valid taxpayer identification number, such as an Individual Taxpayer Identification Number (ITIN) or a valid Social Security number (SSN) obtained through legal means. They pay Social Security taxes through payroll deductions, but they are typically ineligible to receive benefits unless they meet other eligibility criteria.
@@fvvfvbbbb how do they legally get a SSN?
@@Pam730
Same way everyone else does.
I live in the Philippines , a US citizen on Social Security Retirement Benefits trying to Updated my information so that there is no interruption in my payments. I ve tried doing online threw Social Security online but the all want a US address and phone which I no longer have.Tried calling and waiting on hold which always eventually hangs up on me. I ve even tried emailing US Social Security here in Manila with no results . What can I do to update my info. any suggestions? Thank You ! Keep up the the Great Work. Let me know what I can do living in the Philippines.
I also live in Philippines and am having the same problems.
@timmacasa
Pretty simple, just go to a Post Office service and get a US street address. that should help. Have everything forwarded.
I already live in the Philippines no plan to return. They say that they will check to see if you live where your info says
Started working legally at the age of 13 when I received a work permit. Now 57 years old and learning how much I’ve been ripped off by the government is not good. My life has been work work working hard 😓. It’s all been a scam the entire time.
You must take out a D now by law, even if you don’t take meds. My Medicare started while I was working with full health insurance. When I stopped working and bought a D then next enrollment time, still no meds, but now I pay a monthly penalty amount for my D, still on no meds.
It's required to take on a part D coverage along with the A and B if you are not still currently working and receiving healthcare benefits through your paid job, because Medicare is essentially an insurance policy. You can't just go buy auto insurance the day after you get into a car wreck. Likewise you can't wait until you develop a health problem that requires medication to purchase part D coverage.
Hello sir, if I claim my social security at full retirement age and keep working will my benefits increase later on when I stop working?
Thank you!
Why is it that if this proposed deal for Social Security goes through it will go back an entire year of back payments, but I am 70 and should have received survivor benefits since I was 60 but only found out about it recently and I can only get 6 months back pay? NOT FAIR!
@@robbiedejonge8613 because it’s the date on the bill. There is no bill for “not knowing”
No no no they will have a concept of a plan in 2 weeks…I get 23 ebt Ssdi
I’m on Medicare and Medicaid . Living in IN . When I pass can the state take my home if it’s in an irrevocable trust??
That's a question for your lawyer.
States vary.
In Oregon as I understand it, no. But there is a 5 year look back they do. If you put it in a trust and die two years later they can take it. Don't take my word for it I think it's really complicated and different in each state. Your medicaid office might have someone in their Recovery program that would know. It's called that because medicaid tries to recover their costs if you go into long term care and they pay for it. It's savage and cruel. Why can't we be like other civilized countries?
Should I take advantage of WEP elimination?
As far as we know, it hasn't been signed into law by Biden, yet.
@DebLindley-xg8gz It will be signed and automatically provided.
I married someone 10 yrs younger, and we were married for 20 yrs. I filed at 67 and currently getting a little over $1500, with another $200 coming from CalPers. We’ve been divorced since 2011.
He is still working in a Union job and made me sign away any union benefits. I heard you mention something about divorced couples. Is there anything i can do to increase my Social Security?
I’m confused⁉️ I was drawing SSDI since 2004 then when I turned 65 they changed me to retired instead. So I don’t understand am I still on SSDI or am I considered retired and drawing retirement benefits⁉️
No, you are not on SSDI anymore. They have moved you over to straight SS.
why is the govt had a hard time on what to do with the Social Security when they use the trust fund for other things?
SSA should not be this confusing. Not right. I had a family tragedy that caused me to retire earlier. I did not have time to research everything.
I have worked since I was 18. I had to go on disability at age 54. How do I know I am getting my full benefits?
CALL CHARTER, just like Dr. Ed says to do. He usually puts the phone number on the upper left corner. Please call them. They can help!!
Sorry the name of company is CHAPTER
You first said they will be no cuts. Now it's 20 to 30% cuts. Hope we suppose to live. All I have is ss. And can not work
@JB-md6jz WE the People must find a way to STOP Trump before he is sworn in 🙏 🙏 🙏 Please!!!
I'm 70 I haven't filed irs for 2 years was I suppose to.
That would be a question for a tax professional.
My ladyfriend is 61.Shes a widow for 9 years.Works but feels her wages would keep her from pulling survivor benefits.How much could she make and pull benefits?
I am turning 58 . An I got s.s.i starting getting my first Direct deposit on January 8th.will I get the stimulus check.
Ed, can someone on survivor benefits is only getting $1600 a month, can they also get a small SSI check to make up for the difference?
Nope. SSI maximum is 967 for 2025. If your check is more that that you don't qualify.
Hey there. I started drawing my SS at 63, I’m 70 now. My husband started drawing his SS at 67, an he is still working an 9:00 paying SS. My question is-Shouldn’t I be receiving 1/2 of my husband’s SS each month? Thank You?
You can get 1/2 of his or your own, whichever is more. You can't get both.
You get 50% of his if you take it at Full Retirement Age. If you take before then, it's less.
I collected Survivor benefits at 60 I'm 70 can I Qualify for upping my benefits.
Next year I'll hit my full retirement in August. Still working part time. I'm still working part time. Do I still have to be under the earned income.
The year you turn full retirement age, the earnings cap goes up to 60,000. You must stay under 60K in the months before you reach FRA. I reach my FRA in April, and will start my retirement benefit in January. Those 4 months will be at $80 less because I'm taking it a few months early, but it totals over $13k for me. I'm taking it starting in January.
I’m 58 on Disability, can I receive SSI? And my ex-husband will be 62 next year, can I file for spousal benefits as well?
I’m on Medicaid but I have but I have to pay for my part B and they gave me part c???
I’m single and struggling. Also, are there any programs out there that help you get a car?
@@brendaanthony6202 If your SSDI monthly amount is over $967.00 for 2025, you wouldn't qualify for SSI. You'd have to check into Grants as a Disabled person for purchasing a vehicle. They aren't easy to obtain. If both you and your ex spouse are 62 years old, were married 10 years , you're single, been Divorced 2 years, then you can apply for IEDS.
What is IEDS ?
@@DebLindley-xg8gz. What is IEDS? And thank you for all of the information!! 😊
@brendaanthony6202 IEDS (Independently Entitled Divorced Spouse)
Did anyone notice about the person who has been living in the Philippines who was going to marry someone with four underage children? So he's over the social security retirement age and now he's going to be getting benefits for all four of his stepchildren. Is that allowed? Yes apparently so but is it right? No I don't think so if you want to have children or step-children at an older age you need to plan for yourself on how you're going to raise them. Why should my retirement money or disability money or anyone else's go to your children just because you decided to become a parent at a late age? just saying
Sav: Yes, I've seen that nonsense story before. You don't get higher SS benefits because you have children.
Would he gave to adopt them..?
I believe my granddaughter’s father (who never sees her) has been on SSI for many years, I’m not sure when he got put on it, can she get some type of money since he is on SSI? And would she get reimbursed for back pay?
Another question, to be designated Medically Needy, is there a form that needs filled out and who do I send it to?
@@brendaanthony6202 that's a State determination, and not all States have it.
Regarding your granddaughter, there'd have to be a Court Order for garnishment sent from the Court to the SSA. If he's receiving SSI, the Welfare program they can't garnish anything from his checks.
Is she under 18 yrs old or still on college? Call the social security customer service phone #. They should be able to tell you more...
My team of 8 Doctors declared me Medically needy when they Disabled me for SSDI 15 years ago.
I was looking at making under $15,000 in 2025 along w/Medicaid benefits. I just got approved for survivor benefits for an additional $13,000. I currently have UHC Dual Complete. With the new increase I'll lose all Medicaid benefits & my UHC plan. 😢
Stop giving SS to people who didn't pay for it. Why is it that you never mention this drain on SS?
Because it literally doesn't happen? Oh, you mean the disabled. Why are people on SSI a drain?
Your under a misunderstanding
@@Rob-vk3ss what does that mean in English?
@@gbinman he doesn’t mention that because he’s a liberal!
@@InHeaven771 I specifically avoided saying that. I avoid the liberal tactic of name calling.
At what amount does SS become taxable?
Right now it is taxed like regular income
For 2025, the Social Security cap is $176,100. This means earnings up to that amount are taxed via FICA payroll taxes, but earnings above that amount are not.
@@fedgirl7318 And at what point do you pay no income tax on SS if one lives in poverty?
After listening to you for 6 episodes, I’m curious how long have you been supporting the Dems? 😊
@tareksneh5536 Why in the world would you say this? Do you think Republicans aren't collecting SS and on medicare?
Yes its obvious
I wonder if senators paying tax to SSecurity??? They make 175K ????
Brank: They do, since 1984.
Social Security my payment was low by $500.00 in October
QUESTION: Why is SSDI and death benefits for family members of adults under 62 in the SS out of money? Seems like SS should only be for the people that pay into it and the SSDI come from somewhere else
Disability is a separate fund from SS.
But ss will be in trouble in 2034 so who does this help?
State Farm has a burial insurance policy. I have 10,000 policy for $30
The question is do they really pay
I'm currently going through a divorce after 16 years. I was married 19 years to my deceased ex-husband. I am 60 years old. Can I draw SSI off my ex-husband who would have been 62 this past year?
Yes you definitely can, a friend of mine did it and gets alimony from her other husband but he pays her directly.
Unfortunately, I don't think you can because you were remarried (to the current husband whom you are divorcing) before the age of 60.
However, once you are fully divorced from the current husband, and remain unmarried, and are also at least 62, you might be able to pull benefits from your second husband's record as an independently entitled divorced spouse once the second husband also reaches a certain age.
I don't remember all of the particulars, but this would be a very good question for Dr. Ed during his next live stream.
You do have your be divorced from your current husband and also be 62 then yes you can collect off of deceased husband. Exactly what my friend did and she didn’t talk about her prior marriage just had the death certificate and old marriage license
Dr. Ed, I had my interview with Manila SS in August and was told my survivor’s benefit would start in September. I haven’t heard from them yet. I understand you have many questions to answer and might have missed mine on the live chat. Should I call or wait? Thanks.
Was told that US SS will be sending me a letter.
I have almost the same story as you. Applied for spousal benefits survivor's benefits I didn't start getting my increase payment in October when I was supposed to get back pain that would go back to January 1st of 2024. And I called and called about that no one can you give me any information. Apply for my benefits in August I think it was 2nd. It's crazy I don't know what to do.
So if I'm remarried I can't get my ex husband's benefits?
Correct.
I think we are in trouble
An I get 1,300 dollars.
Can I get so even though I'm on social security at 67 years old
SSI disability
Not SSI Disability since you're at your FRA. If you receive less than $967.00/month in SS, then you may qualify for SSI, aged.
@ I'm getting survivors benefits
@@JudyPerez-l6k If the Survivor benefit is over $967.00 you wouldn't qualify for SSI.
I am trying to enroll my wife for spouseal benefits. Her technical skills are limited so I am trying to fill out the application as though I were her since I know all of her information. I have tried to apply online several times from her email as well as my own email. It never goes through. After completing the first page of the application, when I click NEXT, I get a message which says "we cannot process your request online." So I called the SS 800 number and was told there would be a two hour wait. WTF?? So I have decided to try the USMail. Any advice?
3 hour wait for my sister, still no call back.
Travis Moore had the best 4 questions in the chat. only TWO were read. He wants to adopt foreign kids two of which are over 18 years old. and he's not married to the mother.
Does he have to ADOPT them? Before they can colllect his SS benefits. What ? more illegals?
It sounded like an illegal move to me. Darn I wish Ed would have read the last two questions.
Get those cardboard boxes ready
I really like to hear what you have to say,but i can't stand trump on your leading pics.
You’re a fool if you think Trump will keep this word.
He will keep his word.
@@fayejordan175 😂
@@tctctctctc-x7c You will see.
@@fayejordan175 He never keeps his word. Every time he opens his mouth to speak, he is lying. Let's be real and honest! Jezer... wake up!
This is not the platform for that. Zip it.
And you believe him? lol you do know he lies all the time. What a sucker. Glad I found this out so I do subscribe or listen to you.
Mr. Ed, you say that trump says he is not going to social security and you believed him?
I don't believe a word he says. He will if Musk tells him to though.
He did not say he believes him, he said he said it let’s wait and see if he does
And you wonder why you are ignorant enough to vote for Kamela❓
Why do you believe chump?
I don't think he necessarily does believe him. I think he's trying to be very neutral and stay out of politics as much as possible.
I hate all the political BS on this channel. Stop it please. There isn't one side red or blue that it's not without fault that we're in the position we're in.
You still have the right to scroll.
Ummmm yes you are correct both parties have kicked the can down the road and are both to blame.
What he is pointing out is something needs to be done now or cuts are coming.
Trump made things worse with his promise to cut taxes on social security that go to pay SS benefits. His threat to deport everyone also lowers the money coming into SS too.
He alone can fix this. It's crunch time on his watch now....fix it!!
@@fvvfvbbbb Not correct the no tax on social security refers to federal income taxes on your social security benefits... it has no affect on the taxes collected on paychecks that fund the payments.
@@robbiedejonge8613 you just contributed to the political crap in here.
Dr. Ed points out all the time that both political parties are to blame for what is going on right now, because they didn't do the right thing back in the 1980s when they were planning ahead for the extra burden of the baby boomers. And the quick fix they decided on is running out at this point.
We need to make sure to tell ALL of our politicians, regardless of party, to remove the income limit on FICA taxes. Otherwise we're going to be doing the same thing to our children and grandchildren that the politicians in the 70s and 80s did to us.
Are you saying go-ahead and eat the cheese burger and fries 😂
I was looking at making under $15,000 in 2025 along w/Medicaid benefits. I just got approved for survivor benefits for an additional $13,000. I currently have UHC Dual Complete. With the new increase I'll lose all Medicaid benefits & my UHC plan. 😢
You might lose the free coverage through Medicaid, but your total income might still be low enough to qualify for some sort of subsidy in the insurance policy that you do purchase.
Also reach out to your local area agency on aging, they might have some information that will be helpful
I think we are in trouble
I think we are in trouble