Latest / Dr Ed Weir Show / Whistleblower: DOGE Member Took 500 Million Social Security Records on Thumb Drive

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Whistleblower: DOGE Member Took 500 Million Social Security Records on Thumb Drive · Dr Ed Weir Show

0:00
the Doge employee that decided to copy
0:03
everybody's information, put it on a
0:05
little flash drive, stick it in his
0:07
pocket, and go home and see if he can
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negotiate possibly with his next
0:11
employer and say, "Hey, you need to hire
0:13
me because I've got a lot of information
0:16
here." So, that's what it looks like
0:19
it's uh it's shaping up to be. And they
0:22
said, "Oh, no. We don't know if they
0:23
actually accessed that little hard drive
0:25
that the person took home. We're looking
0:27
at it. what's going on with it under
0:30
investigation. So, here's what we got.
0:32
We know that one person in Doge, these
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these guys were never vetted. Uh they
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were just put in there, the Commissioner
0:38
of Social Security was kind of moved
0:40
out. They put another temporary
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commissioner of Social Security in there
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who was a Doge guy who was giving away
0:45
information to Doge before Doge before
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the current administration took over.
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Social Security Administration was
0:51
saying, "Hey, you can't do that." They
0:53
were about to fire the guy. Doge said,
0:55
"Fire him. We're going to make him the
0:56
commissioner of Social Security." So he
0:58
was the commissioner of social security
0:59
for a while and brought in a whole bunch
1:01
of Doge people that didn't know anything
1:03
about social security including Elon
1:05
Musk who didn't know anything about
1:06
social security and started talking
1:07
about all this stuff about it's a Ponzi
1:09
scheme which it's not and that there's
1:12
millions of zombies out there collecting
1:13
social security benefits which they're
1:15
not and he finally admitted that but
1:18
there are Doge people in there. Yes, the
1:20
Doge as an institution, I guess, has
1:23
been wrapped up, but the people that
1:25
were in Doge are still in Social
1:27
Security, and there's one guy that
1:29
decided to take all this information and
1:31
see if he could leverage it for his next
1:32
job or for whatever case. We we're we're
1:35
not sure. They're still under
1:36
investigation. But here's what you need
1:38
to know to protect yourself. What was
1:41
taken it looks like was called the the
1:44
the master death file and the numei the
1:48
numadent and the master death file that
1:51
was actually um
1:54
that was actually kind of public
1:56
knowledge. I'm sure a lot of people um
1:59
used to look and oh wonder when my you
2:01
know great-grandfather passed away and
2:02
you used to be able to find that
2:04
information online. They have since
2:06
taken it off offline and so you can't
2:09
really do that. So at one time that
2:11
master death file it's it's basically
2:13
everybody that has ever gotten a social
2:15
security number that's passed away. It
2:16
tells you what the you know the person's
2:19
name and where they you know passed away
2:21
and they were born all that kind of
2:22
stuff that since been taken off. So but
2:25
at one time that was up there. The other
2:27
more con concerning file is called the
2:30
Numadant. The NUMI. This is the one that
2:32
Elon Musk couldn't understand. I don't
2:34
think he still does but
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there's many databases in social
2:38
security.
2:40
When you go get a social security
2:41
number, that is the numi, the numadent,
2:45
your number identifier. And what does
2:48
that include? How do I know? I've looked
2:50
at it a million times over the decades
2:52
working at social security. It includes
2:56
the social security number or any other
2:58
social security numbers you have. Almost
3:00
everybody has one social security
3:01
number. It includes your social security
3:03
number, your name, any previous name,
3:07
marriage name, divorce name, whatever
3:09
the case may be. It includes your date
3:12
of birth. It includes your parents'
3:14
maiden name, your your parents' name and
3:16
your mother's maiden name. That's how
3:18
when you ever call social security, they
3:19
ask you a bunch of question. One of
3:20
those questions, what's your mother's
3:21
maiden name? That's in there as well. It
3:24
includes how many cards you got
3:27
throughout your your life, how many
3:29
cards were issued, when it includes uh
3:32
where you were born.
3:35
It also includes um your citizenship in
3:39
terms of, you know, are you a lapper, a
3:42
green card holder, US citizen, whatever
3:43
the case may be. So that's all that
3:45
information. It doesn't include like
3:47
your address necessarily. It doesn't
3:50
include how much your benefits you're
3:51
going to how much benefits you're
3:53
receiving from social security. That is
3:55
another completely different record
3:57
called the MBR, the master beneficiary
3:59
record. That's the one Elon Musk
4:02
couldn't wrap his head around. He was
4:05
looking at the Numadent, the social
4:06
security numbers, and he was saying, "Oh
4:08
my gosh, there's a bunch of, you know,
4:10
active, you know, people, millions of
4:11
people in this particular database that
4:14
are over 100, 100, 200 years old." Yeah.
4:17
That's because Social Security can't
4:18
close those out because they don't have
4:19
an official death certificate. So, they
4:21
just kind of left it there. They've
4:23
always told Congress, "Hey, one day we
4:25
need to fix this and clean that up." And
4:27
Congress always said, "No, we don't want
4:29
you to clean it up because every now and
4:30
then we beat you up with it with a with
4:32
a big stick and say, oh my gosh, Social
4:33
Security is so incompetent. They've got
4:35
all these open records." Yeah, Congress,
4:38
because you won't let us close it out
4:39
without a birth certificate. So if you
4:41
say we can close those out without a
4:44
birth certificate, without
4:45
documentation, we'd be more than happy
4:46
to close it out. And Congress says, "No,
4:48
we don't want to do that because we want
4:49
to complain and and talk about how
4:51
incompetent you are every few years." So
4:53
that's why they were never closed out.
4:55
But the issue was over here, that's
4:58
where the money is. So you've got some
5:01
person that's 200 years old, supposedly
5:03
150 years old, that's open over here.
5:05
Zero money comes out of that particular
5:07
database. Zero. one penny has never come
5:10
out of that database
5:12
over here the MBR that's where the money
5:14
comes and those the record has been
5:17
terminated it's been closed out it's a
5:19
suspense or whatever the case may be so
5:21
those people disposal of what the
5:22
millions of zombies never got paid you
5:25
know so
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that's what Elon Musk couldn't
5:29
understand that they're completely
5:31
different so it looks as though as of
5:35
right now the MBR the actual payment
5:37
record the matter master bis beneficiary
5:39
record
5:41
hopefully wasn't released. But here's
5:43
what you need to do. Here's some of the
5:45
things. Uh so this is one of the the
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massive Social Security has never
5:50
experienced something like this before.
5:51
Other, you know, hospitals and credit
5:53
card companies and um department stores
5:56
and all that. They lose people's social
5:58
security numbers all the time,
6:00
unfortunately. But Social Security has
6:02
never had that type of massive database
6:04
release until our buddies at Doge came
6:07
in and started doing stuff like this.
6:10
[snorts] So, here's here's what you can
6:11
do to protect yourself.
6:14
whatever got out there into the world,
6:17
all your information.
6:20
Social Security
6:23
doesn't
6:25
deal with credit card companies and
6:27
somebody bought a boat with your social
6:29
security number and your credit and
6:30
messed you up and open up a credit card
6:33
and stuff like that. People used to come
6:34
to the Social Security Administration
6:35
all the time and say, "Hey, um um
6:38
somebody's using my Social Security
6:39
number." And we would say, well, that's
6:42
is is anybody working under your social
6:45
security number? Oh, I don't know about
6:46
that, but somebody opened a credit card
6:47
and so I want to do something about my
6:49
social security. That's that's because
6:53
these credit card companies and other
6:54
places, banks, used your social security
6:56
number. They should never should have
6:57
used your social security number. They
6:59
should have come up with their own
7:00
credit number, whatever. But they
7:03
decided to use a social security number.
7:04
They should have never
7:06
messed around with that, but they did
7:08
anyway.
7:10
But social security, one of the the one
7:12
thing you need to worry about with
7:13
social security is someone working under
7:16
your social security number.
7:19
That's the issue. That's the only thing
7:21
social security deals with in terms of
7:23
missing social security numbers. Your
7:24
social security number was stolen or
7:25
whatever like that. The only thing that
7:27
social security can help you with is
7:29
okay, is that person actually out there
7:31
using your social security number to pay
7:33
money into your account? That's
7:35
basically the only thing. If if that
7:37
happens then social security can do
7:40
something about that and you can
7:41
actually do something about that. It's
7:42
called e-verify. So anytime this should
7:46
be mandated throughout the country.
7:47
Every every state should this should be
7:50
mandatory but some states it's not
7:53
mandatory. Basically if you're an
7:56
employer and you want to hire someone
7:58
you need to verify that that person is
8:01
actually in the country legally and able
8:04
to work. And how do you do that? Through
8:07
E-Verify. So these companies are
8:09
actually supposed to go into E-Verify
8:11
and confirm their employees are actually
8:14
allowed to work in this country.
8:16
Some states it's mandated. Other states
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not so much. Voluntary.
8:23
And then
8:24
companies want to hire people. They say,
8:27
"Okay, we got a person that's in the
8:28
country legally. Hire them
8:32
the way the market is. have to pay them
8:34
20 $25 an hour or this person is in here
8:38
illegally
8:40
and we'll work for half the price. I
8:43
know they're legal and but I don't have
8:45
to verify you verify if they give me a
8:47
social security number and I just okay
8:49
yeah looks looks right. It's all printed
8:51
off the sides and stuff like that. They
8:53
look they know they got the social
8:54
security number at the local SWAT meet.
8:57
>> [snorts]
8:57
>> But hey, it's I I the company says I
8:59
make I I save a lot of money by hiring
9:01
this guy over here for half the price
9:03
and I don't have to go through everify,
9:05
so it's not an issue. So if the the
9:07
people the authorities come knocking on
9:08
my door, I can just say, I thought it
9:11
was a valid social security number. Come
9:13
on, it had a rainbow and unicorn on it.
9:15
Hey, I don't know. So that's they they
9:19
kind of play dumb in that respect.
9:22
The system is all messed up. Anyway, so
9:26
people say, "Okay, wait a second. That
9:27
wouldn't wouldn't that be awesome if
9:30
someone paid into my social security?
9:33
Someone in the country is working under
9:34
my social security number and paying
9:36
into my social security account. That
9:39
would be awesome." Yeah, it would be
9:42
awesome until it's not awesome. And how
9:45
can you stop that? One of the ways you
9:46
go to E-Verify. E-Verify has this
9:49
self-lock in there where you can go in
9:51
there and it's got a little video there
9:53
and it tells you how to how to do set up
9:55
selflock. So, you can just go in there.
9:58
This is um e um-verify.gov
10:05
and you just you just Googleify and you
10:08
can go in there and you can self-lock so
10:11
nobody else can use your social security
10:13
number in those states that mandate
10:15
everify.
10:17
But will your benefits increase? If
10:20
you're receiving social security money
10:23
and someone works under your social
10:25
security number,
10:27
will your social security benefits
10:29
increase? Yeah, possibly.
10:32
If it's one of your high 35 years, let's
10:35
uh let's go through this for those new
10:37
people out there that are new to my
10:39
channel. If you're new to my channel,
10:40
this is also a live Q&A. I've got a
10:42
bunch of questions about retirement
10:43
benefits and survivor benefits and
10:44
Medicare, Medicaid. So, we'll get into
10:46
the live questions here in a bit. If
10:49
you're watching this in a recording,
10:51
I just showed the first part of the
10:54
recording and I knock I knock out the
10:55
live Q&A um to make a shorter video.
10:58
But, uh you can make sure you subscribe
10:59
and that way you can join my live Q&As
11:01
in the future. But how they calculate
11:04
your benefits is on your high 35 years
11:06
of earnings. They look at your entire
11:07
work history, how much you pay into
11:09
Social Security all your life, and they
11:10
take the high 35 years and that's what
11:12
they calculate. But they index those
11:14
earnings. So, if you made $20,000 when
11:16
you were n, you know, 18 years old, um,
11:19
number one, that's pretty awesome.
11:21
Number two, you're like, "That's only
11:22
$20,000. I made $80,000 last year." Now,
11:26
$20,000 in 1982 is worth because they
11:28
index it for like a wage index. $20,000
11:32
is 1982 is probably worth a lot more
11:34
than $80,000. So, that's actually one of
11:36
your high years. So, anyway, so they
11:37
take all those earnings, 35 years of
11:39
earnings, and then they divide it by the
11:41
35 to get your averaged index monthly
11:44
earnings. how much you made on average
11:45
throughout your life. And then they
11:47
multiply by these what these called
11:48
these binpoint formulas. It's kind of a
11:51
progressive system. People that pay less
11:53
into the system get a higher replacement
11:55
rate up to 90%. People that pay more get
11:59
a smaller replacement weight rate, 30%
12:02
or so. So it is a progressive system.
12:04
It's been progressive since the 1930s
12:06
since it began. So, if someone works
12:09
illegally under your social security
12:11
number and they make one of your high 35
12:14
years of earnings, then guess what? Your
12:16
benefits are going to go up
12:19
until they don't until they catch that
12:22
person, until that employer turns them
12:24
in or they get kicked out or whatever
12:26
the case may be. And then they find that
12:29
that person was using your social
12:31
security number
12:33
and you were benefiting by getting more
12:36
money and they're going to come looking
12:38
for you and they say, "Hey, we paid you
12:39
$100 more a month because you worked at
12:42
some chicken processing plant in Topeka,
12:44
Kansas,
12:46
and you don't live in Topeka, Kansas.
12:48
You never worked there. How come you
12:50
didn't tell us those are not your
12:51
earnings?" So, this is another reason to
12:53
go into your, you know, my social
12:54
security every now and then and check to
12:57
make sure your earnings record is
12:59
correct to make sure, you know,
13:01
everything that you did earn, it's
13:03
reflected in there. And if you didn't,
13:05
you tell Social Security, hey, I don't
13:07
know who's those earnings, but I never
13:08
worked at a chicken restaurant in
13:10
Topeka, um, processing plant or
13:12
whatever. So,
13:15
and but if they if you don't do that,
13:18
then later on there's going to be an
13:20
overpayment on your record and said,
13:22
"Hey, we paid you an extra $100 for the
13:24
past two or three or four years because
13:26
we thought those were your earnings. You
13:27
should have told us and now we want that
13:29
money back." So, it's important that you
13:32
check your earnings record. Okay. So,
13:34
we're going to keep an eye on that as we
13:36
always do on what's going on. Um
13:41
I don't know it
13:45
I had in my office the third largest the
13:48
the fir third third biggest office in
13:50
the country is social security and if
13:52
any of my employees did 0.1%
13:56
of what these Doge guys did they would
13:58
have been fired as we used to say in the
14:00
Marine Corps BCD bad conduct discharge
14:02
big chicken dinner they would have been
14:04
kicked out I've fired many employees for
14:06
doing a lot lot less
14:08
employee looking at their ex- spouse to
14:11
see if they can get any more child
14:12
support or alimony fired. Yeah. So, you
14:16
can't do that. Social Security is is
14:20
pretty pretty crazy when it comes to
14:22
security like that until they brought
14:24
Doge in and then it's like h do whatever
14:27
you want. So, all right, let's get into
14:29
some live questions here. Um, let's see
14:34
what we got.
14:36
Um, Patricia, what's up, Patricia? I
14:38
think you're new here. I don't think
14:39
I've we've seen you before. Welcome. I
14:41
would like to work, but I feel like they
14:43
will say I can work. Believe me, I am
14:46
different from day to day, but I also
14:47
feel like I need to work to survive. Can
14:49
you enlighten me? What type of benefits
14:51
are you receiving? Possibly disability
14:54
benefits. Are you receiving [snorts] SSI
14:57
or SSDI? You could be receiving both,
14:59
but let's say you're just re receiving
15:01
just regular SSDI, Social Security
15:03
disability insurance.
15:05
If you're receiving SSI, then the max
15:07
you can get on SSI is $994.
15:10
If you're receiving more than that, then
15:12
you're definitely getting SSDI. Okay.
15:14
All right. Let's go with SSDI.
15:17
If you're receiving Social Security
15:19
disability insurance, you are 100%
15:23
eligible to work. You can work 100%.
15:26
And let me pull up my website here so we
15:28
can go through it. So, you go to my
15:29
govexpert.com.
15:32
And I'm working on this.
15:35
Big things are coming. Something that's
15:37
never been seen before. But anyway, for
15:40
right now, this is uh this is what we
15:42
got. Uh make sure you subscribe and
15:44
yeah, this is going to be big. So, for
15:47
so you go on to my website,
15:49
myggovexpert.com, click on the little
15:51
disability thing there, click on working
15:53
and benefits, and I've got a couple of
15:54
guides in there and stuff. Um but the
15:57
big thing is what's called the trial
15:59
work period.
16:01
The trial work period. you if you're on
16:03
social security disability insurance for
16:05
nine months, not necessarily
16:06
consecutive. You can work a month and
16:08
then take off two months, but nine total
16:10
months, you can make as much as you
16:12
want. Billion bucks a month, Social
16:13
Security doesn't care. They want you to
16:16
try to go back to work. That's why they
16:17
call it the trial work period. So, for
16:19
nine months, you can make as much as you
16:21
want. After that nine months, if you
16:23
continue to make more than what's
16:25
allowed, and how much is allowed after
16:27
that is for this year, it's $1,690.
16:31
So, when does a trial work period start?
16:34
This is why it's a little bit confusing.
16:35
A trial work period triggers when you
16:38
make over $1,210.
16:41
So, what's the difference to if if you
16:44
make under $1,210,
16:46
you can do that forever and social
16:49
security doesn't have an issue. If you
16:51
go over that over $1,210,
16:54
then that trigger that is one trial
16:57
month. So, if you do that eight more
16:59
times, then you have to stay under the
17:02
$1,690.
17:04
And if you stay under that amount, you
17:05
can stay under that amount forever as
17:07
well. So, so you have the ability to
17:10
work a limited amount and still keep
17:14
your benefits. A lot of people out there
17:16
just don't know that, and unfortunately,
17:17
they're making their their life very,
17:20
very difficult. All right, we've got
17:21
some video questions. Some people send
17:23
in some video questions. We got some
17:25
good follow-ups here. Um, and oh, let's
17:29
let's do some uh a good thing. We've got
17:31
a final followup from the person y'all
17:33
found that is eligible for disabled
17:37
widows benefits. They didn't know about
17:38
it. Now they got it and they got a
17:40
check.
17:40
>> Hello, I'm back on again. I got your
17:44
message on on YouTube,
17:47
you know, responded to my message, my
17:49
video call stating about me getting a
17:52
paper chat check and I was the exception
17:54
to the exception. Yes, I did get a paper
17:56
check and it was sent on I got it on
17:59
Saturday and it deposited on Monday.
18:01
Just want to let you know that I did get
18:03
a paper check. Thank you. Bye.
18:06
>> All right, community. That was y'all.
18:08
Y'all did that. I made a video and I in
18:12
one of the parts I mentioned disabled
18:14
widows benefits and she said, "Wow, I
18:16
can get that." And she went and got a
18:18
bunch of backay and the strange thing is
18:20
they sent her out a paper check even
18:21
though she had direct express. It's
18:23
strange they sent a paper check, but
18:24
hey, it's a beautiful thing. And
18:26
congratulations to y'all. Someone out
18:28
there who liked or commented or
18:31
subscribed or wrote a comment in there,
18:34
however these stupid algorithms work,
18:38
you were responsible. When you push that
18:40
button, it taught these computer
18:43
whatever to send it out to her. And she
18:46
looked at it and and says, you know, who
18:49
is this idiot? and she listened to me
18:51
for more than five minutes and then she
18:53
was able to find some money. So that was
18:55
y'all. Congratulations.
18:57
>> Yes, Dr. Ed. And she was a title two
18:59
specialist, but not a title
19:02
to
19:04
T22 expert. She was title two regarding
19:07
the VDRC's, but I think she gave me the
19:10
incorrect information and that's why she
19:13
called back twice and she still was un
19:15
unclear. So, just to let you know, thank
19:17
you for what you do because you're the
19:19
man who knows what's going on. These
19:22
some people or the new people or
19:24
whatever do not know what the heck is
19:26
going on.
19:28
>> Yeah. So, he left a prior
19:31
video on um but he recorded the Social
19:36
Security employee telling him incorrect
19:38
information and I don't want to play her
19:41
voice. Um,
19:44
but here here's what we got. He made a
19:48
video um sent me a video about VDRC's,
19:52
voluntary delayed retirement credits.
19:54
And let me pull up the policy here. And
19:56
this is uh this is a social security
19:58
policy what it is. So he has been
20:00
receiving retirement benefits, early
20:02
retirement benefits, and he watched one
20:04
of our videos and said, "Wow, voluntary
20:06
delayed retirement credits. That's
20:08
that's for me." What it is is once you
20:11
hit your full retirement age, you can
20:13
suspend your benefits voluntarily and
20:16
say I don't send me any more checks
20:18
because I want to get that delayed
20:21
retirement credits 8% every year added
20:24
on to my social security check. So if
20:25
you are getting benefits and you
20:28
voluntarily suspend them at 67, your
20:31
full retirement age, and then wait till
20:33
70 to restart them again, you get three
20:35
years, 8% per year, 24%. So that's what
20:38
he was looking for. So he called up the
20:40
local social security office says I want
20:42
that
20:43
and
20:47
the person on the phone even after three
20:50
calls didn't search. Um so this is the
20:53
reference here. Um I'll throw it up
20:55
there. It is uh let me move it on here
20:58
so y'all can see it. GN0249
21:03
uh.110 conditions for voluntary
21:06
suspension. So there it is. voluntary
21:08
delayed retirement credits. You can do
21:10
that 100%.
21:12
It's just that there's a couple of
21:14
reasons why Social Security employees
21:16
don't know about it. One is because the
21:19
public doesn't know about it that
21:21
there's so many things the public
21:23
doesn't know about that they can do
21:24
which they don't know about. So that's
21:27
why nobody asks about it and social
21:30
security employees can spend 10 20 years
21:33
working at Social Security and never
21:35
have one of these cases because people
21:36
just don't know about it. So when you
21:39
you know you've got Social Security
21:40
employees have another 19,999
21:43
pages to deal with and this is one page
21:46
that they just never have to deal with
21:48
because no nobody ever asks about it.
21:51
And number two, um, even if a lot of
21:54
people knew about it, there's not a lot
21:55
of there's not a lot of people that, oh,
21:57
I don't want to stop my checks. I want
21:58
to continue to get my checks. I need my
21:59
money. But there's very very small
22:01
percentage of people that it does
22:02
benefit. And this is this gentleman is
22:05
one of those. So, um, yeah, the the
22:08
Social Security employee was telling him
22:11
the 100% in incorrect thing, talking
22:13
about, oh yeah, you can suspend your
22:15
benefit or you can withdraw your claim
22:17
like it never happened and yada yada
22:19
yada. and she obviously didn't know what
22:21
she was talking about. So, take this
22:23
Palms reference there, GN02409
22:28
uh.110,
22:29
and take it down to the local Social
22:31
Security office and say, "Well, here it
22:32
is right there and then you can go ahead
22:35
and get it done." Um, so yeah, we've had
22:37
that happen a few times where people
22:39
said, "Um, well, Dr. Ed on on YouTube
22:43
said I could do this, that, and the
22:44
other." And then people go down the
22:46
local Social Security office and uh you
22:48
know said say that and the Social
22:50
Security employee says no that guy's an
22:52
idiot. He doesn't know what he's talking
22:53
about. And then they come back the next
22:56
day and say you're an idiot and you
22:57
don't know what you're talking about.
22:58
And I'm like hi honey. I'm usually my
23:00
wife that does that. But anyway, and
23:02
then I said okay here's the reference.
23:04
And I send them the reference and they
23:05
go back the next day and yeah and they
23:09
show the employee the the actual policy
23:11
reference in social at at ssa.gov. gov
23:15
and the person disappears in the back
23:17
for about five or 10 minutes and then
23:19
they come back to the window with a
23:21
sheepish look on their face and say,
23:23
"Wow, I didn't know that. Wow, that's
23:26
learn something new every day." Okay,
23:27
I'm sorry. Let's let's go ahead and get
23:29
this done. So,
23:32
and and it's going to get more like
23:33
that. A lot more like that because
23:35
Social Security employees are so
23:36
inundated. It's uh All right, got some
23:38
more video questions.
23:42
Hello, my name is Janetta and I'm from
23:44
Arkansas. I'm trying to help my husband
23:48
apply for Social Security disability
23:50
benefits.
23:51
Uh he has not worked since September of
23:55
2020 due to health reasons. Um he did
23:59
have a lot of trouble with his back and
24:01
still does. We filed a short-term
24:03
disability claim um back then and we
24:08
thought he was going to be able to go
24:09
back to work, but he has not been able
24:11
to. And over the last 5 years, we have
24:14
also been working on his VA disability,
24:17
which he just recently received 100%
24:20
permanent in total with that. [snorts]
24:23
Uh and it's dated all the way back to
24:25
July of 2023.
24:27
When we look at his social security
24:29
statement right now, it says that he is
24:32
not eligible for social security
24:35
disability benefits because he doesn't
24:37
have enough credits. But his credits, he
24:42
does have enough credits. If you look
24:44
through the end of 2025, he just has not
24:47
worked from 2020 up until now. If we can
24:52
show that he has been disabled or has
24:55
all of this information that we give to
24:58
uh social security, would he still be
25:01
eligible to apply? And do we need to
25:03
talk to somebody about this in person or
25:07
can we apply online?
25:10
U been watching your videos and I
25:12
haven't seen the answer to this
25:14
question, but I really appreciate all
25:16
the information that you put out there.
25:18
Thank you very much.
25:20
>> All right. Thank you very much. And she
25:21
sent that question a couple of days ago
25:23
and I'm a little bit late uh responding
25:24
to it. I apologize. Um so if you if you
25:27
make a video recording like that, you
25:28
can go on to my website and record it
25:30
when I almost always answer it the next
25:32
day unless I have a guest or something.
25:33
Um all right. So this is a this is a DLI
25:36
issue.
25:38
So your husband is 100% insured for
25:41
disability benefits, insured for
25:43
retirement benefits, disability
25:44
benefits, everything. So that's not an
25:46
issue. But with disability, you also
25:49
have to be currently insured. That means
25:51
you had to work five out of the last 10
25:54
years before your disability began. So
25:57
it sounds like he had he hasn't worked
25:59
in a while and therefore they said, you
26:01
know, you come in and file for
26:02
disability benefits and you said, I
26:04
can't work anymore. And they look and
26:05
they well, you haven't worked for a long
26:06
time. So that's kind of what the issue
26:08
is. It's like, you know, get in a car
26:10
accident. It's like you go to Geico and
26:13
they get in a car accident and says,
26:15
yeah, well, can you fix my car? and they
26:17
wow you yeah you were a customer but you
26:19
haven't been a customer for the last
26:20
four years so that's kind of the the
26:22
analogy by the way government I had
26:25
Geico when it started what I'm not this
26:26
is not a commercial I'm just kind of
26:28
throwing this out there that it's called
26:29
Geico comes from government employees
26:31
insurance company I had it I think I
26:33
started it was usually it started in the
26:35
military when I was in the military uh
26:37
Marine Corps in 8283 I started it was
26:40
limited to government employees but
26:41
anyway that's kind of an interesting
26:43
story about the the title of the name um
26:46
But in terms of DLI, um, yeah, that
26:49
sounds like because he is not insured,
26:53
if his date last insured. So they do
26:55
this calculation to determine if he
26:57
worked five out of the last 10 years.
26:59
And then they come up with this DLI,
27:01
this date last insured, and they say,
27:04
okay, the last time you were insured
27:06
was, let's say, January 1 of 2026.
27:11
And if you're saying your disability
27:14
began after January 1, 2026, you're not
27:17
insured under this currently insured
27:19
situation. If you're saying your
27:21
disability began before January 1st,
27:24
2026, then you're good. So, you just
27:27
have to uh y'all need to determine to
27:30
prove that his disability began before
27:33
his date last insured. So, I would I
27:35
would definitely file the claim. Don't,
27:37
you know, never delay. always file.
27:41
Um, don't sit around and wait, oh well,
27:43
I'll get my medical records. I'll wait
27:44
till, you know, I've got a doctor's
27:45
appointment next month. I'll go ahead
27:47
and wait till after that. And no, if
27:48
you're unable to work because of a
27:50
disability, file and worry about all the
27:52
other stuff later because it takes
27:54
forever to process it. So, get the
27:55
process started. So file, call them up,
27:59
get the process started, and then ask
28:02
them what what's his DLI, you know, and
28:06
they'll be surprised that you even know
28:08
what that means. Um, but then you say,
28:10
okay, he became disabled, unable to work
28:13
this date. So, and then that has to be
28:17
before his DLI, and you have to be able
28:19
to prove that it did, in fact, his
28:22
disability did begin did begin before
28:24
his DLI. So, all right, let's see here.
28:28
Um,
28:31
what is your opinion of the proposed
28:33
Supplemental Social Security Income
28:35
Restoration Act? Um,
28:40
let's see here. Let me show let me uh
28:42
give a flashback to all those people
28:44
that were born in uh in the 70s.
28:47
It's just a bill and I'm not going to
28:49
sing the rest of the song. y'all go for
28:50
it to make a video singing the song and
28:52
I'll I'll I'll I'll play it in in one of
28:55
my future videos. Um yeah, there's a
28:58
bunch of bills. There's bill to smash
29:00
the cap. So, you won't get that cut in
29:02
the future that everybody's going to get
29:04
cut, the 23% cut that's everybody's
29:06
going to get here in what 83 more
29:08
checks. Uh, no. I think we're down to 82
29:10
more checks until we start getting a cut
29:12
because the trust fund is running out
29:14
because
29:16
these guys refused to do anything u for
29:18
the past 40 years. Um, some tried to but
29:23
proof is in the pudding. nothing got
29:24
done and therefore this and every now
29:28
and then we have another bill that does
29:30
this that and the other but
29:34
we're tacking on another year of failure
29:38
and this is coming so what do I think of
29:42
it um
29:46
yeah uh there's just so many bills out
29:49
there so I'll I'll I'll see I'll I'll
29:52
check it out a little bit more and I'll
29:54
I'll come up with uh yeah, if if it
29:56
looks like it's even just another
29:57
[clears throat] bill that someone's just
29:59
trying to get notoriety and you know,
30:01
whatever and pretending like they're
30:02
protecting for elections. That's what
30:04
usually happens around elections is they
30:06
want to get the senior vote so they put
30:08
in something in Congress this, this,
30:10
that and the other and then they go back
30:12
to their districts and say, "Yeah, look,
30:13
I'm trying to protect Social Security
30:15
and but nothing happens with it." Yeah,
30:17
I've seen it happen decade after decade.
30:20
I just turned 66 and I'm on disability.
30:23
How much can I work before my full
30:25
retirement age? You're 66. So your full
30:28
retirement age probably 66, 8 months, 10
30:30
months, 67. Same as everybody else. Uh
30:34
you are allowed to work. If you if have
30:37
you used your trial work period, those
30:39
nine months,
30:41
if you haven't,
30:43
then
30:45
pretty much work as much as you want. Um
30:48
because if you're 66 or in however many
30:51
months and within 9 months you'll be
30:53
your full retirement age. And at that
30:55
time you're no longer going to be
30:56
receiving disability benefits, you're
30:58
going to be switched to regular
30:59
retirement benefits. And because you're
31:01
going to be re receiving regular
31:02
retirement benefits after your full
31:04
retirement age, you can make as much as
31:05
you want. So if you're within nine
31:07
months of that and you never use those
31:08
nine months, you can conceivably work as
31:11
much as you want. It doesn't matter. So
31:14
yeah, um it really depends on uh your
31:17
exact age there.
31:19
Uh very positive income SSI recipients.
31:22
Google the app. Very involved. Oh,
31:23
Pinkal
31:25
um you probably have your thing here
31:27
about tax assistant. So I'll pop that up
31:29
when you pop it up. Why don't they do 10
31:31
years later another 9-month trial?
31:33
Things could have gotten better, but you
31:34
won't know unless you try. Yeah, they
31:37
it's a it's a lifetime trial work
31:40
period. Yes. But if
31:44
for some reason that there's also called
31:47
an EXR, expedited reinstatement. If
31:50
you're receiving Social Security
31:52
disability insurance, Social Security
31:54
disability benefits, and you go back to
31:56
work and they kick you off of disability
31:58
because of your work.
32:01
And then
32:03
within 5 years,
32:05
if you can no longer work
32:08
and and again they had to kick you off
32:10
because of work because you work. But
32:12
within five years, if you can no longer
32:14
work, you tried, you tried, you tried,
32:15
and you were doing okay for a while,
32:17
then you were not able to do it anymore.
32:19
Within 5 years, you can file what's
32:20
called an expedited reinstatement, which
32:24
the name expedited in there makes no
32:26
sense because nothing is expedited
32:27
anymore. But anyway,
32:30
you can do an expedited reinstatement as
32:32
long as your disability is the same. You
32:35
didn't come up with a new disability,
32:36
but your disability is the same as the
32:38
original determination. Then you can do
32:40
an expedited reinstatement where they
32:41
can restart your benefits. Once they go
32:45
through the process and they can
32:46
actually start your money, they can say,
32:48
"Okay, hey, we're going to file this
32:49
EXR, this expedited reinstatement. We
32:51
have to do all the disability type
32:53
stuff. Make sure make sure you're
32:54
actually still disabled." Um, but
32:57
because you were disabled at one time
32:59
with the same issue, we can actually
33:01
start paying you money and they can
33:03
actually start paying you money. But be
33:07
careful because if you within that 5
33:11
years, you're no longer able to work.
33:13
You go back and you want to reinstate
33:14
your Social Security disability and they
33:16
start paying you money. If it comes
33:18
back, they determined you're not
33:20
disabled, you might have to pay it back.
33:23
There's a lot of gray area there. But
33:25
anyway, if we are receiving social
33:27
security checks, how can we protect
33:28
ourselves from someone using our social
33:30
security number or or what potentially
33:32
Doge is capable of doing
33:35
for social security? It's, you know, it
33:38
depends what state you're on, what state
33:40
you're in. Um, do that everify. That
33:43
might stop someone from out there using
33:45
your social security number to work
33:46
under your record. But probably the best
33:48
thing is just to, you know, check on
33:49
your My Social Security every now and
33:50
then. can go into your my social
33:51
security account um and check um if
33:55
you're receiving social security
33:56
benefits and all of a sudden you get a
33:58
weird in and if you're not able to check
34:01
it's like well I tried to get in my
34:02
social security and I can't get in there
34:04
and so you can call social security and
34:06
say hey how much did I make last year
34:08
and if they say you made $100,000 wow
34:11
that chicken processing plant is doing
34:13
really well and that's immediately the
34:15
flag right you tell hey that ain't that
34:17
ain't mine delete it um but other than
34:20
that. Um, yeah, just if you get a all of
34:24
a sudden increase in your check because
34:26
other than the cola because hey, you
34:29
work last year and so we increased your
34:31
benefit, then contact them. All the
34:33
other stuff, all the private
34:36
my argument is is
34:40
those exposures of our social security
34:43
information were the result of Doge. Who
34:46
wasn't head of do who was the head of
34:47
Doge? Elon Musk. He he brought those
34:50
people in. He put them in those he was
34:52
ultimately responsible. He's the richest
34:53
person in the history of the world.
34:58
So he ought to give everybody pay for
35:00
everybody to get new social security
35:02
numbers a more you know safe system and
35:06
you know maybe differentiate social
35:08
security numbers from credit numbers and
35:12
bank numbers and all that. So consider
35:14
doing a video cut special on what to do
35:16
about the Doge matter. Yeah, that's
35:18
that's kind of what today is.
35:21
Um, someone was commenting on how long
35:24
it took to get 2025 income from IRS to
35:27
SSA. My statement says not recorded. I
35:29
filed February. Yeah, sometimes it's uh
35:32
um so what you're talking about is you
35:34
worked last year and if it's one of your
35:37
high 35 years, then they will
35:39
automatically recalculate your social
35:42
security benefit and you'll get an
35:43
increase if it was one of your high 35
35:45
years. Sometimes, you know, your
35:48
employer notifies directly social
35:50
security. Sometimes it has to go with
35:51
the IRS, particularly if you're
35:52
self-employed or something. Um, and
35:55
yeah, sometimes it does take long, but
35:59
you will get retroactive benefits. And
36:02
last year I got a lot of people in my
36:05
live that said, Ed, I just got a check
36:08
for $150 from Social Security. What the
36:10
heck was going on? And usually it was
36:12
like, hey, did you work last year? Yeah,
36:14
I worked last year. one of your high 35
36:16
possibly. Yep. We want to That's it
36:17
right there. They increased your benefit
36:19
by, you know, 101 15 bucks a month going
36:22
forward. They were supposed to do that
36:24
going back to January and so they paid
36:26
you a back pay of every month the 10 or
36:29
$15 every month since January. So even
36:31
though it takes a while, sometimes you
36:34
will get it. Uh you you'll get it. So I
36:38
hear some say SSDI is taxed and some say
36:40
no. If that is my only income, is it
36:42
taxed? uh $3,000 a month. Yeah,
36:45
sometimes it's really depends on your
36:47
particular situation. Let's see here. Um
36:50
pull up my little handy dandy chart.
36:53
Where is it? There we go.
36:55
So, is Social Security taxed?
36:59
If you're just receiving about 3,000
37:01
bucks a month from Social Security and
37:04
that's only thing you're receiving, so
37:05
you're looking at $36,000 a year. And if
37:08
you're single, you're like, "Yep, up to
37:11
85% of your benefits are taxed." But no,
37:16
because they only count half of that.
37:18
So, it's called your your your uh
37:21
adjusted gross income, your your
37:23
combined income. So, they take your AGI,
37:26
your plus non-t taxable, and so the the
37:30
income from working or whatever, and the
37:32
non-t taxable interest, and then they
37:34
only take half of your Social Security
37:35
benefits. So if you're making $36,000 a
37:38
year, they only count half of that.
37:42
So
37:43
half of that is under 25,000. So you pay
37:47
zero on your social security tax on your
37:50
social security benefit in your
37:51
particular case. So and these numbers
37:53
haven't changed forever. And according
37:56
to the president, there's no taxes on
37:58
tips, no taxes on overtime, and no taxes
38:00
on social security. The first two maybe.
38:04
Third one, absolutely not. there. It
38:06
didn't pass one big beautiful bill. If
38:09
you have to pay taxes on your social
38:10
security, you have to pay taxes on your
38:11
social security. There was Thank you,
38:14
Pink Owl. There was an a deduction that
38:18
was passed. That's an IRS thing. 6,000
38:20
$12,000 a deduction. Um, but if you have
38:23
to pay taxes on your social security,
38:25
you still have to pay taxes on your
38:26
social security. So, that hasn't changed
38:28
at all. So, it's been like that forever.
38:31
Well, since the 1980s. So, all right,
38:34
another video question.
38:35
>> Hi, Dr. Ed. Um, Skipper here. I just
38:39
wanted to update you on what happened
38:41
with my social security social security
38:45
Irma problem. Um, where I was getting a
38:48
dollar on my social security check and
38:51
they took the rest for an Irma penalty.
38:53
Um I did uh call the do the
38:56
congressional with my representative in
39:00
my state Tammy Baldwin and she was
39:01
pretty great and um so she made helped
39:05
uh be get a payment plan for uh the
39:08
2200.
39:10
Um so that it's no longer five years.
39:13
It's less now but still it's a lot
39:15
better. and then from the earlier years
39:18
24 whatever um that's going to be waved
39:22
or forgiven or whatever you want to call
39:23
it. So anyway um thank you so much again
39:28
and um problem finally resolved I
39:31
believe and
39:33
>> okay perfect. So oh he had a little bit
39:35
more there. Um,
39:38
I will be looking forward to helping
39:40
someone else u that I can um as soon as
39:45
I can. So, so I thank you for all your
39:47
help. All right.
39:49
>> All right. There we go. That's what I
39:50
like to hear. That's the most important
39:51
part right there. So, he learned some
39:53
stuff that helped him and now he's going
39:56
to go out there and uh continue
39:58
listening to the videos and going to my
39:59
website and helping out other people.
40:01
So, he had an Irma situation
40:04
and the Irma's income related monthly
40:07
adjustment amounts and basically he had
40:11
some higher earnings a couple years ago.
40:12
So, he has to pay extra for part B and
40:15
part D, but uh he filed an SSA44
40:19
and which you can wave that, but it
40:21
looks like uh didn't work and he had an
40:23
overpayment. And so, he contacted when
40:26
he he he fought it, fought it, fought
40:28
it, and they he got no response from
40:31
Social Security, not a val valid
40:33
response from Social Security. So, he
40:35
had to go to his politician, one of his
40:38
two senators, House of Representatives,
40:40
and they have a thing. It's called a
40:42
congressional that they expedite stuff
40:45
and it looks like they did just that.
40:48
So,
40:50
um, now that you've explained how your
40:53
benefit is determined, I understand why
40:54
you don't think Social Security Fairness
40:56
Act is fair. However, holding back a
40:57
portion of benefits wasn't fair either.
41:00
Um, yeah, then I don't think you
41:03
understood it wasn't holding back a
41:05
portion of benefits. It it was not
41:06
giving you extra that nobody else was
41:09
getting. That's Yeah. So,
41:14
I'm like Neil Degrass Neil Degrasse
41:16
Tyson who got tired of explaining why
41:20
they downgraded Pluto from a planet to
41:22
an asteroid. He, you know, he said, "I'm
41:24
tired to talk about it. I'm not talking
41:25
about Pluto anymore. I'm in the same
41:28
situation with the Social Security
41:29
Fairness Act. I'm not I'm tired of
41:30
talking about the Social Security
41:31
Fairness Act and why I think it was
41:33
unfair." Um, so if you want to know
41:35
that, go back to my other 400 times I
41:37
talked about it.
41:39
All right, let's get another question
41:41
here.
41:43
>> Oh,
41:43
>> yes, Dr. Ed. And she was a
41:45
>> Oh, this is uh Never mind. This was the
41:47
same one here, that one gentleman. Let's
41:49
see.
41:52
>> Good morning, Dr. Wear. Thank you for
41:55
everything that you do for the
41:57
community. Um I'm having trouble
42:00
accessing the live chat and just
42:04
wondering if I can get instructions to
42:06
do that. I believe you're available on
42:08
YouTube and Facebook. Any uh any
42:12
guidance would be helpful. I'm not great
42:14
at technical issues. And then once I get
42:17
in live, I'll ask my my uh more
42:20
pertinent questions that that apply to
42:22
me. Thank you so much and have a good
42:24
day. Bye-bye.
42:25
>> Okay. Yeah. Um I'm on I when I stream I
42:28
do YouTube. I I prefer the questions on
42:30
YouTube because I I see them easily and
42:33
I can pop them up on the screen. But I
42:35
do Instagram at the same time I'm doing
42:36
Facebook at the same time. I do Tik Tok
42:38
at the same time. We we stream stream to
42:40
everything and everything. So whatever
42:42
you're on, I think most of the place no
42:44
most of the platforms you have to be a
42:46
member to
42:49
put in the live chat. But I get hundreds
42:52
and hundreds and hundreds of live chats
42:54
that pop through and I can't answer them
42:56
all. And the best way is to do it
42:58
exactly how you just did it is to ask a
43:00
question through a video. So, all right,
43:03
here we've got uh Tik Tok. Does a widow
43:05
benefit amount change whether one
43:07
collects at 60 or later? Yes, 100%.
43:11
Well, not 100 100% yes, but not 100.
43:14
Well, yeah, if you collect it, if you
43:16
wait till your full retirement age, you
43:17
receive 100%. And the full retirement
43:20
age for surviving spouse benefits,
43:21
widow, widowerower benefit, same things.
43:23
call it social security call it
43:24
surviving spouse benefits.
43:27
The if you wait till your full
43:29
retirement age which for surviving
43:31
spouse benefits is actually about two to
43:34
four year months early.
43:37
So it for you know regular retirement
43:40
benefits on your own record the full
43:42
retirement age is you know 67 let's say
43:45
but for surviving spouse benefits the
43:47
full retirement age is 68 or excuse me
43:50
66 and 8 months or 10 months. It's a
43:54
little bit early but if you're your full
43:56
retirement age for surviving spouse
43:58
benefits then you get you get 100% of
44:02
the benefit you're eligible for. If you
44:05
file at 60 60 years old, you get 71.5%
44:12
of what you're eligible for. So yeah,
44:15
it's just with anything social security,
44:17
if you take your benefits early, it's
44:20
reduced. If you take retirement benefits
44:22
early, it's reduced. Spouse benefits,
44:24
surviving spouse benefits, divorce
44:25
spouse benefits, um social security
44:28
disability, it's not reduced. SSI, not
44:31
reduced. supplemental security income.
44:33
Um you will have to pay back all that
44:35
was paid out to you to delay retirement.
44:39
That is incorrect. So
44:42
So some um let's see here. Someone's
44:46
sounds like they're having a
44:47
conversation about the voluntary delayed
44:49
retirement credits and that's not a
44:50
withdrawal. If if you're talking about
44:54
withdrawing a claim that you filed
44:56
within the last 12 months and you've
44:58
changed your mind and you said, "I don't
45:00
I didn't I didn't want to I I shouldn't
45:02
have done that. I don't want to do
45:03
that." You can withdraw your claim and
45:05
then you have to pay that money back.
45:07
Yes. But when the voluntary delayed
45:09
retirement credits, that's not you're
45:11
not withdrawing your claim. You're just
45:12
suspending your benefits. So, you don't
45:14
have to pay that money back. So, I'm 62
45:17
years old. I'm collecting social
45:18
security, but I have a business to go in
45:21
$75,000. So, they stopped. Yeah. If
45:25
you're 62 receiving benefits under your
45:28
full retirement age, then you have a
45:30
limit to how much you can make this
45:31
year. It's the $24,480.
45:35
And so, they will suspend your benefits
45:37
$1 for every $2 you go over that amount.
45:40
But once you hit your full retirement
45:43
age, they will take that into
45:44
consideration. So, if you file for
45:46
benefits at 62, you're at the full
45:48
reduction, 70%.
45:50
When you start your restart your
45:51
benefits as your full retirement age,
45:53
you're not going to be reduced 30%.
45:57
You'll be reduced less because you
46:00
didn't take your benefits every month
46:03
since you turned 62. So, they'll they'll
46:05
factor refactor those back in there.
46:06
It's called the adjustment of the
46:08
reduction factor. That's that's
46:10
automatic once you hit your full
46:11
retirement.
46:12
>> I just need some clarification. I'm the
46:14
lady that's 66. I have OCD, severe RA
46:18
and scoliosis. So, I'm basically
46:21
housebound.
46:23
My psychologist passed away and I can't
46:26
find anybody that takes my insurance.
46:28
So, there's been a gap. I have a
46:31
two-part question. Number one, I have
46:34
Medicare and Medicaid.
46:36
My Medicaid is United Healthcare
46:38
Community Plan. Do I need to see a
46:41
psychologist or can I see a counselor,
46:45
which they call an LPC? That's where
46:47
they keep seeming to want to push me. I
46:50
don't know if that is credible enough
46:52
for SSI. Can you clarify those two
46:55
things and let me know if the gap's
46:57
going to be an issue and who I should
46:59
definitely be seeing?
47:01
>> Yeah, I'm a doctor, but I'm not that
47:03
kind of doctor, so I can't help you with
47:05
that one. So, you're
47:08
you're on SSI, supplemental security
47:09
income. the welfare based program and PE
47:12
in order to be eligible for SSI,
47:14
supplemental security income, you have
47:16
to have low income, low resources res if
47:18
you're single, resources $2,000 or less.
47:21
Married, $3,000 or less. The max you can
47:23
get on SSI is $994. Okay, so
47:28
this is for all those people out there
47:29
and say, "Okay, that's not me." Well, do
47:31
you know anybody around you that might
47:32
be eligible for this? So, you can get
47:35
SSI based on one of two factors. that
47:37
you're disabled
47:39
or that you're 65 and older. So, if you
47:43
know some elderly people around you that
47:46
are receiving under $994 and that's
47:49
basically their only income, tell them
47:51
to contact Social Security immediately
47:52
and file for SSI. It's called SSI agent.
47:56
Okay. So, for this young lady, she's on
47:58
uh SSI disability, it sounds like, and
48:02
she just wants to make sure that her
48:04
disability benefits continue. probably
48:07
be because of a CDR, a medical CDR in
48:10
case that happens. You know, when you're
48:13
on disability benefits, SSDI or SSI,
48:17
they
48:18
they they review every now and then. And
48:20
it was just announced in the news that
48:23
Social Security dis social security is
48:25
now going to bring these CDRs in house.
48:27
I'm going to do a video on this in
48:28
probably next week. And I've got some
48:31
Yeah. Um, anyway,
48:35
the CDRs, here's my philosophy on CDRs
48:38
and this young lady as well. Forget
48:40
about it. Forget about it. Don't stress
48:43
the medical CDRs
48:45
until you actually get one. You know, I
48:47
I understand you're preparing in case
48:49
you get one and you're, you know,
48:51
stressed about it, freaking out about
48:52
it. I understand that. But
48:55
if if you're truly disabled, uh you
48:58
know, the medical records, whatever you
49:00
have, you submit it to them. And if they
49:03
say, "Okay, um yeah, you use this type
49:07
of doctor. We need you to see this type
49:08
of doctor." Then they will send you
49:10
what's called a CE, a consultative exam,
49:12
and send you to whatever type of doctor
49:14
they need proof from. Okay? So, or you
49:18
maybe call them up and, you know, talk
49:20
to, you know, the the the DDS, the
49:22
disability determination services, um,
49:25
about that. But now that they're going
49:27
to be bringing it in house, that is no
49:29
longer Yeah, they just announced that
49:31
today. Big new change. But anyway, my
49:33
philosophy FCF, forget about it. You
49:36
know, you know, make your records and
49:40
go, you know, do what you can to do take
49:42
care of yourself, but don't worry about
49:44
the CDR. and you're saying, "Well, I'm
49:47
scheduled to have a a continuing
49:49
disability review next month. Forget
49:51
about it." Because even if you're
49:54
scheduled, it's all about the budget.
49:56
Social Security gets an allocation from
49:58
Congress to do these. If they don't get
50:00
the money, they don't do it. Even if
50:01
your time is up next month for this
50:03
review, if they ain't got the money,
50:05
they're not going to do it. So, why are
50:06
you stressing about something you're
50:08
never going to get? Sure, your time is
50:10
next month, but your local Social
50:12
Security office doesn't have the money
50:14
to do it, so they're not going to do
50:15
you. So, see you next year, right? So,
50:18
stop worrying about it.
50:21
F C,
50:23
if you get it, if you get the package in
50:26
the mail, complete it, make copies, and
50:28
send it in. And then F, forget about it.
50:32
Because even if they
50:35
even if they send you the packet, if so,
50:38
here's here's the deal. If your local
50:41
Social Security office has money that
50:44
Congress gives them to do a hundred of
50:46
these, they have to do a 100. They can't
50:49
do 99. They can't do 101. I know because
50:53
I was the person that controlled to make
50:54
sure that we didn't go over or go under.
50:57
Um, so we have to do if we only got
51:00
money to do 100, we have to do a 100
51:02
period end of story.
51:04
But if we only sent out a hundred of
51:06
those packages, we're not going to get
51:08
100 back. We'll get like 70 of them back
51:10
or maybe 60 because people move, they
51:12
don't respond, whatever the case may be.
51:13
And the social security manager has to
51:16
fill that allocation. If they don't,
51:17
they're going to get a call from their
51:18
boss and they're going to, you know, be
51:19
called on the carpet, we used to say in
51:21
the Marine Corps. So
51:24
this is the way it works. The office
51:26
sends out 200 of those packets. And the
51:29
first 100 that come back, that's it. But
51:33
there's another 50 that came back, shred
51:36
them. Yeah. Don't need it. Can't hold on
51:39
to it because the information can't hold
51:40
on to it for a month or two months,
51:41
three months because the information is
51:43
going to get old. So, can't really use
51:45
it. And if yours, you send it in, you're
51:49
paranoid about sending, oh my gosh, are
51:51
they going to get they didn't do
51:52
anything. They shredded it. They've
51:53
already filled their quota. So, don't
51:54
forget about it again. Stop stressing it
51:56
yourself out. Stop stressing yourself
51:58
out. Please pass that on to everybody
52:00
who's got CDRs. I'm coming up with a
52:02
program to help people with the CDRs and
52:05
stuff. Um, but that's my philosophy on
52:07
that. So,
52:09
all right. Let's see. We got one final
52:12
video question here.
52:15
>> Good afternoon, uh, Dr. Ed. Um, my name
52:17
is Danita.
52:19
I uh started collecting my social
52:21
security at the age 62 when my husband
52:25
was uh has or has been um uh collecting
52:29
his because he's um he he's 87 right now
52:34
and I'm 77. So my question is when um I
52:40
at initially I didn't I was not I was
52:42
only collecting my social security on my
52:44
own record but after a while when I when
52:48
I uh learned that I could um
52:53
um
52:54
uh collect social security on my
52:56
husband's record. uh they a uh they
53:00
changed a little bit of my um of my uh
53:04
monthly pension and right now I'm
53:07
getting um
53:10
$1,048.90
53:13
and my husband has been uh getting uh
53:16
$2,651.90.
53:19
I just wanted to know if that is the
53:21
right amount that I'm supposed to
53:23
collect uh based on his own record. And
53:27
my other question is if he passes on uh
53:31
will I get the full amount that he
53:36
is getting or he was getting before he
53:38
passes on
53:40
or it I will get only um a certain I
53:44
will be deducted a certain percentage of
53:46
his um full social security.
53:50
Um,
53:51
>> okay. So, the first calculation, so
53:53
you're looking at um you're looking at
53:55
the MBA, you have to look at the PIA.
53:57
This happens all the time. You're
53:59
looking at your check amount and his
54:00
check amount. And because you're both
54:04
with us here for living spouse benefits,
54:06
you're eligible to up to 50% of that
54:08
person's. So, the the numbers you gave,
54:13
yours sounds like less than 50%, but
54:15
there's variables in there. You don't
54:17
those are not the numbers you look at
54:19
because you might have started early. He
54:21
might have started early. He's getting
54:22
Medicare taken out. You're not getting
54:24
Medicare taken out. So, all those
54:25
numbers are wrong. They're they're
54:27
right, but they're not the ones you need
54:28
to look at. You need to look at the PIA,
54:31
the the benefit amount you would have
54:32
received and he would have received at
54:34
the full retirement age. And you're
54:36
like, well, I don't know that. Just call
54:38
Social Security, sit on the phone for 3
54:39
hours, maybe have to talk to an AI that
54:41
doesn't know anything. And
54:44
um once you get to someone, have him
54:46
there and say, "Hey, can either of us
54:48
get it sounds like you, can I get money
54:51
on his record? Is my PIA less than half
54:54
of his?" And if they say yes, then
54:57
they'll schedule an appointment and get
54:58
your spouse benefits. And I'm wondering
55:00
if you both been receiving benefits for
55:02
a while, you should have receiving you
55:03
should have started receiving spouse
55:05
benefits a while ago. So to ask them
55:07
about deemed filing and see if you can
55:10
get some retroactive benefits. So,
55:12
what's my PIA? What's his PIA? Eligible
55:15
for spouse benefits. Why didn't we I
55:17
start that earlier? Deemed filing. Okay.
55:20
In terms of surviving spouse benefits,
55:23
if it depends how old you are when he
55:27
passes. If you're your full retirement
55:29
age, then you'll get his full benefit
55:31
amount. So, if he was receiving, you
55:33
know, again, you said what 1,200 or
55:35
2,200 or whatever it was. But again, you
55:38
know, he was maybe getting Medicare
55:39
taken out. Maybe his full benefit amount
55:41
is 2500 and your benefit amount is a,000
55:45
or whatever. Then the difference between
55:46
your full benefit amount and his full
55:49
benefit amount, what he was receiving,
55:50
then you'll get 100%. That that
55:53
difference you'll and
55:56
[snorts] you you'll continue to get your
55:58
check, your own check, and then you'll
55:59
get the difference between the two. So,
56:00
you're actually getting two checks.
56:03
But people say, "Oh, I'm I'll get two
56:06
checks." Yeah, you'll get his check,
56:10
but your check will be sucked up into
56:12
his. So, let's say you're receiving
56:16
$1,000 and his benefit amount is $2500.
56:21
People think, and I know this because
56:23
this was the hardest conversations I had
56:25
at Social Security, is to tell someone
56:27
that just lost their spouse that, okay,
56:30
you're also going to lose all this money
56:32
every month. Because people think, okay,
56:35
the the higher earning spouse is
56:37
receiving $2,500. Low earnings is
56:38
worth,000. So that's $3,500 coming in.
56:41
The higher earning spouse passes away.
56:44
I'll get that check. 2500. Of course,
56:46
I'll still get my check because that's
56:47
my check. $1,000. So I'll still get
56:48
$3500. No, you'll still get your check,
56:53
but it'll offset what you get from that
56:54
person. So one day, one month, you're
56:57
getting $3,500 coming in,
57:00
and the next month you're getting $2,500
57:02
coming in. you lose that $1,000 because
57:04
you continue to get your $1,000 and you
57:07
get the difference between yours and
57:09
that one, which is the 1,500. So, that
57:11
one's out. Yeah. So,
57:14
I can't tell you how many times I've had
57:15
that conversation. Um, and people
57:18
weren't prepared. Uh, so please like,
57:20
subscribe, share, do all that stuff.
57:22
Please. Deborah, this will be the last
57:24
question on Facebook here. Um, can you
57:26
collect divorced spouse social security
57:29
along with a full-time job paycheck? I'm
57:32
63. He's 65 in May. Um, it depends how
57:35
much you're talking about a full-time
57:37
job paycheck. If your full-time job is
57:39
under $24,480,
57:41
you can absolutely 100%. Anything over
57:45
that, then you're you're going to your
57:49
benefits are going to be reduced $1 for
57:51
every $2 you go over that amount until
57:54
you hit your full retirement age. So, so
57:56
this is a uh divorce spouse. remember
58:02
independently entitled divorce spouse
58:03
benefits.
58:05
If you're collecting your social
58:07
security benefits, you're 63 years old,
58:08
you're collecting your social security
58:10
benefits,
58:11
and he's 65. Um, even if he's not
58:15
collecting his social security benefits,
58:16
doesn't matter. You're divorced, you
58:18
were married for 10 years, you've been
58:20
divorced for 2 years, that's the only
58:22
stipulation with this one. It doesn't
58:24
matter whether he's collecting social
58:25
security benefits or not. It's called
58:27
independently untitled divorce spouse.
58:29
He doesn't have to be collecting social
58:30
security benefits. You do though and
58:32
then you can file for spouse benefits.
58:34
And again, your benefit amount has to be
58:35
less than half of his benefit amount.
58:38
So, we got one last question.
58:40
>> I've been following you for a while on
58:42
YouTube and I'm so appreciative of the
58:45
information that you give out. I lost my
58:49
husband uh in April of 2014
58:52
coming up on four years of marriage. I
58:56
was told that I did not qualify for
58:58
anything because number one, we were not
59:00
married for 10 years. Uh we did not have
59:03
a minor child together and I was not
59:06
disabled. So I did not qualify for
59:09
anything. I now know through your
59:11
platform that that was incorrect and it
59:13
was not true. My second uh question is
59:17
whatever that uh thing was, I don't know
59:19
if it was like the end of the windfall
59:21
or whatever it was where people were
59:23
getting like up to $8,000.
59:26
I got $1,261
59:29
I believe because I did work for the
59:32
city of Chicago for nine years. Uh so I
59:36
did get that money. Well, my thinking is
59:39
that if my husband was a Chicago police
59:41
for 10 years, a state police and he
59:44
taught at every level of uh school educa
59:47
uh elementary, high school, and some
59:50
collegial um history that he would have
59:53
some type of money that he was entitled
59:56
to as well if I was entitled to
59:58
something. So, my question is, how would
1:00:00
I go about finding out about that and if
1:00:03
I in fact do qualify?
1:00:05
My second concern is that when I turn 65
1:00:10
and I will be
1:00:11
>> Okay, let let me let me get two of these
1:00:12
questions. Got three questions. All
1:00:14
right, awesome. I appreciate it. Thank
1:00:16
you for watching. Um, okay. So, your
1:00:18
first question. Yeah, sounds like you
1:00:20
were given incorrect information
1:00:23
for a surviving spouse claim. So, if you
1:00:27
were if you were divorced from that
1:00:29
person, Yes. 10 years, you had to be
1:00:30
married to the person for 10 years.
1:00:31
Common law can also be there. Yeah. But
1:00:35
for surviving spouse benefits, you just
1:00:36
had to be married to the person for at
1:00:38
least 9 months. There's a couple
1:00:39
exceptions there, but you were married
1:00:40
four years, so you're eligible for
1:00:41
surviving spouse benefits. So that's not
1:00:43
an issue. So the whole 10 years, not
1:00:45
relevant because it's it wasn't a
1:00:48
divorce type situation, it sounds like.
1:00:50
Okay. Number two, the WEB go. Yeah, you
1:00:54
there was a time in your life you worked
1:00:56
and didn't pay into social security, but
1:00:58
you did pay into it other times, so
1:00:59
you're 100% eligible for those benefits.
1:01:03
But the old web go used to recalculate
1:01:08
those benefits. It didn't reduce it. It
1:01:09
just didn't give you extra. Anyway,
1:01:12
that's gone away and now they
1:01:15
recalculated and gave you extra. Okay.
1:01:18
And you say, "It's not extra. It's not."
1:01:20
Yeah, it is extra. So, it's more than
1:01:22
the other 97% of teachers, firefighters,
1:01:24
and police officers and Yeah. But
1:01:26
anyway, um so you got that money. Here's
1:01:29
the thing. if he also worked under this
1:01:34
non-overed employment which is working
1:01:37
in an employer a city state local
1:01:40
federal whatever that didn't pay into
1:01:42
social security his PIA is also reduced
1:01:46
or excuse me not reduced recalculated
1:01:49
not given extra um so
1:01:55
number one you you should really file a
1:01:57
claim I'll I'll I'll listen to your
1:01:58
third question here in a second But you
1:02:01
should definitely file a claim. You're
1:02:02
sounds like you're eligible. It wasn't
1:02:03
divorce type situation. Number two, when
1:02:05
they do the calculations and and when
1:02:07
you call and find out, okay, now I know
1:02:10
it doesn't have to be 10 years cuz I was
1:02:12
married to the person when they passed
1:02:14
away. I want to see if I'm eligible. And
1:02:17
then the the next thing will be
1:02:19
determined is your benefit amount,
1:02:20
whether your benefit amount is less than
1:02:22
his benefit amount. But if he's passed
1:02:25
away on his MBR, on his master
1:02:28
beneficiary record, his PIA, his primary
1:02:30
insurance amount might still be the old
1:02:33
one before the Social Security Fairness
1:02:35
Act. So, you have to be careful on that
1:02:37
one. Ask them, say, "Okay, here's here's
1:02:40
the Social Security number. If you don't
1:02:41
know the Social Security number, no
1:02:42
problem." Tell them name, date of birth,
1:02:44
his age, where he was born. They'll find
1:02:46
it. And then they'll they'll look at it
1:02:49
and they'll say, "Oh, yep. No, your
1:02:51
benefit amount your benefit amount is
1:02:53
more.
1:02:54
If if they say, "Yeah, you're eligible
1:02:56
for benefits," then set the appointment
1:02:58
and and get that their money. But even
1:03:01
then say, "Okay, um that's the was his
1:03:07
PIA unwpped,
1:03:09
the windfall elimination provision. Was
1:03:12
his PIA unwpped?"
1:03:15
Um and
1:03:18
if that's because it might increase his
1:03:23
primary insurance amount which will
1:03:24
increase your benefit amount. So be
1:03:26
careful on that one. So when you call
1:03:28
they'll say, "Oh yeah, no, no, no. Your
1:03:30
your benefit amount is is more and and
1:03:32
then ask well was his MBR was was the
1:03:36
PIA on his MBR unwpped and then yeah so
1:03:42
>> next month April um I know that the
1:03:45
Medicare will kick in. My question is, I
1:03:48
retired from the state of Illinois fully
1:03:51
vested with health insurance for life.
1:03:54
Please explain to me how that will work
1:03:57
for me once I turn 65 for the Medicare
1:04:01
and what's supposed to be my health
1:04:03
insurance for life that the state of
1:04:05
Illinois provides for me.
1:04:08
>> Okay. Yeah. So, you're uh you're turning
1:04:11
65 and whether you should get part A,
1:04:12
part B. Um part A because you're
1:04:15
receiving benefits that'll be automatic.
1:04:16
Well, both of those will be automatic. A
1:04:18
A and B. Um, once you reach once you
1:04:21
start reaching 65, about 100 days before
1:04:23
you reach 65, they'll mail you your, you
1:04:25
know, Medicare part A and part B
1:04:27
automatically. I think in this in the
1:04:30
the the state of Illinois, they they
1:04:32
require you to have part B, so you have
1:04:33
to pay part B. And then you're asking
1:04:35
about should you get like a Medicare
1:04:37
Advantage plan, a Medicare supplement
1:04:39
plan. It really depends on your
1:04:40
situation. Depends on how good the state
1:04:44
plan is. If you're happy with it,
1:04:49
um, and it's better than anything else
1:04:50
out there, you can call chapter and they
1:04:52
can compare. Um, but if it's better than
1:04:55
anything out there, then stay with it.
1:04:56
But remember, it's not considered
1:04:58
creditable coverage because it's health
1:05:01
insurance from a retirement plan. Only
1:05:03
creditable coverage is retire is health
1:05:05
insurance from current work, years of
1:05:07
your spouses, places that have 20 or
1:05:09
more employees. So, if something happens
1:05:12
next year, 5 years, 10 years from now,
1:05:14
and the state of Illinois stops your
1:05:16
health care and you want to go ahead and
1:05:18
sign up for a Medicare plan, um, then
1:05:21
you won't be able to get a Medicare
1:05:23
supplement plan. Um, pro maybe depends
1:05:26
on your health. I don't think Illinois
1:05:28
has a special enrollment there. But
1:05:30
yeah, I in your particular situation,
1:05:32
I'd reach out to chapter and they'll
1:05:34
they'll give you all the lowdown on on
1:05:35
Illinois and Chicago and all the rest of
1:05:37
it and see whether the plan that your
1:05:39
health insurance your employer is going
1:05:41
to give you in retirement is better than
1:05:43
what's out there. So, and they're 100%
1:05:45
free. And uh tell them I said hi. All
1:05:47
right, y'all take care. Um all done for
1:05:49
tonight. I'll be back again tomorrow and
1:05:51
uh I think we're gonna have a guest
1:05:53
tomorrow. We're going to have my um and
1:05:56
we'll keep on keeping on and answer as
1:05:58
many questions as we possibly can. Y'all
1:06:00
take care.