Q & A
Ask Rusty – My Husband Still Works; Must He Enroll in Medicare at age 65?
Dear Rusty: There is confusion between my husband and me on when he should file for Medicare. My husband will be 64 in July. While he does plan on continuing to work to age 67 and continuing with his employer’s…
Ask Rusty – Please Help Us with Social Security Planning
Dear Rusty: Would you please advise on my wife and my Social Security planning? I’m 69 & 2 months, my wife is 66 & 2 months, so we both hit full retirement age. We both plan on starting to take…
Ask Rusty – About Survivor Benefits for Minor Children
Dear Rusty: My nephew died suddenly at 50 years of age and left 2 children, ages 17 and 14. He was divorced, but they were married for more than 10 years, and his ex-wife works as a nurse. My nephew…
Ask Rusty – I’m Confused About Taking Medicare and Social Security
Dear Rusty: I just turned 64 and now get stuff about Medicare and Medigap and so on. I really don’t know how to retire when it’s time. What should I do? What am I looking for? Am I eligible for…
Ask Rusty – Swiss Immigrant Asks About Spouse Benefits
Dear Rusty: I am originally from Switzerland. I moved to the States, got married in 2012, and became a US Citizen in 2016. I never worked in the United States but have 44 years of Social Security contribution in Switzerland…
Ask Rusty – Do Medicare Part A and B Backup My Medicare Advantage Plan?
Dear Rusty: I was told that I can use Medicare Parts A and B as secondary coverage to my Medicare Advantage plan. Is that true? Signed: Puzzled Dear Puzzled: Many do not understand how the various parts of Medicare work,…
Ask Rusty – Will My Social Security Benefits Ever Be Non-Taxable?
Dear Rusty: If we take our Social Security at our full retirement age (66 years and 6 months for both of us) and we both continue to work, what are the income tax consequences? Is there an age at which…
Ask Rusty – Will I Have Any Social Security Benefits?
Dear Rusty: I’m 60 years of age and wonder if I will have any Social Security retirement benefits. After all, I did purchase them. Signed: Uncertain Dear Uncertain: Your eligibility for Social Security benefits depends upon your lifetime earnings history…
Ask Rusty – Is My Analysis of my Wife’s Social Security Correct?
Dear Rusty: I am 63 and my wife is exactly 4 ½ years younger than me to the day. I plan to file for Social Security when I turn 70. My earnings history is considerably higher than my wife’s. I…
Ask Rusty – How Do I Get Back Benefits Withheld Due to the Earnings Limit?
Dear Rusty: If I work and take Social Security before my full retirement age, how can I find out how I will be paid back the money withheld after I pass the earnings limit? Signed: Returning to Work Dear Returning:…