Social Security’s Top Five Blog Posts

man on his laptop This blog is a go-to source for Social Security news and resources. That’s why we named it Social Security Matters — it matters to everyone, even if you don’t think you directly benefit from Social Security benefits today.

The popularity of our blog has grown. We’d like to share some of our most popular posts with you so you can share what you’ve learned with your friends and loved ones. Here are five of our top posts.

It’s easy to share these links on social media — just click on the icons below the article to post them to your preferred site. Knowledge really is power. The more informed your community is, the stronger we all will be.

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189 thoughts on “Social Security’s Top Five Blog Posts

  1. I’m three years older than my husband. I’m 62. My full retirement age is 66 6 months. My spouse is 66 7 months. If I take early retirement at 62, can I switch to spousal retirement and collect 50% of my husband? Or am I stuck at my early retirement until I die or he dies? Do I have to wait till he has retired at 66 7 months to get spousal retirement since file and suspend has been eliminated for new retirees.

    • Hi. Thanks for your question. If a person begins to receive benefits at age 62 or prior to their full retirement age, their benefits are reduced. The reduction factors are permanently applied to all of the benefits to which the person may qualify. You may still be eligible to collect reduced benefits on your husband’s record when he applies. Remember, if someone is eligible for both, his or her own benefit and for benefits as a spouse, we always pay their own first. If their spousal benefits are higher than their own retirement benefits, he or she will get a combination of benefits equaling the higher spouse benefit. Please visit our Retirement Planner: Benefits For You As A Spouse for more information. We hope this helps.

  2. Dear Ann C. I have a question for a high income seniors who first enter Medicare program. Once you start Medicare your premium is not based on your current income but what your income listed on your 1040 was two years ago. Is this correct. Your inflated premium is based on the law called IRMMA Which states that your Medicare premium should not be subsidized if you make a lot of money. Is this correct? if you do nothing and your income currently dropped below the IRMMA limits you will still be charged the inflated premium and although Social Security in two years will see you owed no inflated premium they will not automatically reimburse you on the overcharge. Is this correct? You will simply lose the money unless you act. That means filing SSA 44 and under penalty of perjury you’re required to estimate your income for the current year and the next year. The definition of estimated income according to the Google business dictionary is a educated guess. Is this the definition that Social Security uses Or do they have another? Your than required to bring in your 1040 the following year to confirm your guess. Correct? Instead of guessing at our estimated income Can we just bring in our 1040 and request a reimbursement on our inflated premiums if of course we qualify by income limits and have had a qualifying event such as retiring from my job? Which SSA FORM would we fill out requesting this refund?

  3. Dear Ann C. I hope my post did not come across as disrespectful or argumentative. My wife thought maybe I should of used the term Enhanced premium instead of inflated premium for Medicare. I look forward to your response Ann and would appreciate any others reply’s from CPA’s or tax attorneys or any one with direct knowledge. Sincerely Charles

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