Q & A

Ask Rusty – Paying FICA doesn’t change benefits

Dear Rusty:  I am 73 and self-employed, but each year I must pay self-employment tax – money for Social Security and Medicare – as part of my income taxes. I have been collecting Social Security since I was 62, and…

Ask Rusty – Speeding up Social Security Disability Claims

Dear Rusty:  I have been diagnosed with Lou Gehrig’s disease (ALS) and my condition has gone downhill pretty fast, to the point that I’m not able to work anymore.  I think I could get Social Security disability, but from what…

Ask Rusty – Divorced Spouse Benefits

Dear Rusty:   Thank you for your Social Security articles, which a group of friends and I read every week. If it had not been for one of your articles, I wouldn’t have known that I could get benefits on my…

Ask Rusty – One Word to Get Extra Benefits

Dear Rusty:  I keep receiving emails from different investor groups about “The one word that will get you an extra $570 per month in social security,” which I could use.  Of course they want you to buy all sorts of…

Ask Rusty – Suspending Benefits to Return to Work

Dear Rusty:   At age 63 I applied for Social Security benefits after double knee replacement. I am considering returning to work and am curious whether to stop benefits while working. Is it a better avenue to continue to receive benefits…

Ask Rusty – Applying for Social Security Disability Benefits

Dear Rusty:  My question is how to apply for disability? I suffer from blepharospasms (facial dystonia) of both eyes, non-diabetic neuropathy in both feet and lower legs, and have a hearing loss related to my occupation as a police officer…

Ask Rusty – When Should I Apply for Social Security?

Dear Rusty: I will be turning 62 in 2018; birth date 9/24/1955. My husband is 77 and receiving Social Security.  Longevity runs in my family. I have been self-employed all my life. I am still working and my husband collects…

Ask Rusty – Losing Benefits You Have Earned

Dear Rusty:  I’m 73 years old and have finally decided to call it quits from working and start taking life easy.  My wife is 72 and has never worked outside our home, but we’re both in good health and are…

Ask Rusty – COLA, Medicare Premiums and the Hold Harmless Provision

Dear Rusty:  My wife and I got the annual notification of our Social Security earnings starting Jan 1, 2018. UNBELIEVABLE!  I will get a gross COLA increase of $31.00 a month, but I will only get $6.00. The remaining $25.00…

Ask Rusty – Social Security Credit for Military Pay

Dear Rusty:  I have tried to contact Social Security many times but been put on hold for over 40 minutes, received no call back, etc.  Also, I tried to find out online at my S.S. account, but got no answers…

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