Latest / Dr Ed Weir Show / BREAKING NEWS! Social Security Disability at Risk! Former Insider REVEALS!

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BREAKING NEWS! Social Security Disability at Risk! Former Insider REVEALS! · Dr Ed Weir Show

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major change over the last few days that
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are going to affect millions of people
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out there. Maybe not you, but maybe
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someone you know, one of your loved
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ones, family, friends, neighbors. So,
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let's talk about that today. This is
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also a live Q&A. If you're watching this
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live, make sure you type your question
0:15
in uh in the chat there, and I'll get to
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as many as I can over the next hour on
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all things Social Security, retirement
0:21
benefits, Medicare, Medicaid, survivor
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benefits, disabilities, CDR. That's the
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big thing we're going to talk about
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today is CDRs, continuing disability
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reviews. So, if if you're not on
0:32
disability,
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that's a beautiful thing. You got lucky
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in life. You never know, you know, drunk
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driver going through a stoplight when it
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just might happen to you. But,
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um, so, knock on wood, right? But for
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those people that um are on disability
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benefits, there's a major change and we
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need to look out for those people on
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disability. Um, so if you know anybody,
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let's do that. All right. So, what do we
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what are we talking about here? So, the
0:58
Social Security Administration just came
1:00
out with an announcement. They are
1:02
changing the way they process CDRs,
1:05
continuing disability reviews. So,
1:07
immediate release March 12th. And what
1:10
they're going to do, what is a CDR? Let
1:12
me back up a little bit and explain for
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those people that are not on disability.
1:16
What is CDR? It's continuing disability
1:19
review. There's two types of CDRs.
1:22
continuing disability reviews. When when
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you get approved for disability
1:26
benefits,
1:27
they said, "Okay, here's how much your
1:29
check is going to be and we approved you
1:31
because of this disability. You're
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unable to work, unable to, you know,
1:35
provide substantial gainful activity as
1:37
they call it. You know, it's the
1:38
government's got to have an acronym for
1:40
everything, right? And because of that,
1:43
your your disability, we're going to
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give you this much money, but we're also
1:47
going to check every now and then to
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make sure you're still disabled." So,
1:51
that is one type of CDR, continuing
1:53
disability review, a medical CDR. And
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then there's also a work CDR. If you end
1:59
up working and stuff, they do a CDR. But
2:01
we're not going to talk about the work
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part. We're going to talk about the
2:04
medical part. And when they approve you,
2:07
they tell you that, okay, based on your
2:09
condition, your disabilities,
2:12
um, we're going to check every year,
2:15
every 18 months, every 3 years, 5 years,
2:18
7 years, and as a rotation
2:21
to see if you're still disabled. And how
2:24
it happened up until,
2:27
you know, this week was they would send
2:31
you out all the forms and you'd freak
2:32
out about all the forms. and um wonder
2:35
if you fill it out correctly, whether
2:37
they're going to kick you off
2:37
disability, whatever the case may be.
2:39
And it's and it's interesting that CDRs,
2:41
it is
2:43
a a massive money-saving enterprise for
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the government.
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$1,
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every $1 they spend processing a CDR
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with those reviews,
2:59
they save $9.
3:03
every dollar they spend, they save $9.
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Why? Because they kick people off of
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disability benefits. So if
3:11
offices get allocations
3:15
every every year and they break it down
3:17
every month, how do I know? For those
3:19
new people, I ran the third business
3:20
social security office in the country
3:21
and I used to get an allocation from my,
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you know, up up above and it was from
3:26
Congress and they said, "Ed, your office
3:28
has to do a hundred of these every every
3:31
month. So you can't do 99, you can't do
3:34
101, you have to do a 100. That's all
3:36
you got. So we would do those and we'd
3:40
take all that information and people
3:42
would freak out and stress and did I
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fill this out right? Did I cross the
3:45
tea? Did I dot the eye? Should I said
3:47
this? Should I not have said that? And
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and it's it's very very stressful.
3:52
So up until now, it's still going to be
3:54
stressful. It's going to be more of a
3:55
stressful going forward. And but we're
3:57
going to be there for you. Up until now,
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the local Social Security office put all
4:01
that together and they sent it to a
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state agency. That was the deal when
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disability was started. It was kind of,
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you know, the great compromise, you
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know, um that the states would do the
4:12
disability determination. There would be
4:14
a state agency that did that. And so
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they've been doing that since day one.
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But now the change is Social Security is
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going to do those inhouse.
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And here's the problem.
4:25
There ain't no in-house.
4:27
Social Security. Um, Social Security
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even before Doge and Elon Musk came in
4:36
with the chainsaw. Let me pull up my
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little graphic here. Even before they
4:42
came in, Social Security was at a
4:45
50-year low in terms of staffing. So, in
4:48
terms of people that are there to help
4:50
you get and keep your benefits if you're
4:53
eligible for them, they were already at
4:54
a 50-year low. And then Doge came in and
4:58
fired, relocated, as we used to say in
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the Marine Corps, relocated people to
5:03
outside of the agency to wherever you
5:06
want to go, go for it. Get out of here.
5:08
Um, and now
5:12
with this fewer resources
5:16
and if you've been dealing with Social
5:18
Security, then you know that you call
5:20
and they, you know, may or may not pick
5:22
up the phone. We get people here that
5:24
already got some questions about I I
5:26
filed a long time ago and what's going
5:28
on. Um I keep getting the runaround I'm
5:30
getting wrong answers and amongst all
5:34
that
5:35
the powers that be as social security
5:37
said you know what our employees can
5:39
actually do more instead of giving it to
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the you know these state agencies to do
5:43
it we're going to go ahead and do it
5:44
ourselves because we've got lot of
5:46
capacity we've got a lot of people that
5:48
can do these well guess what that's the
5:51
issue I'm already hearing it there
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there's two issues going forward so if
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you're on disability here's what we need
5:56
to watch out for when we're going to be
5:57
there for
5:59
One of them is that, you know, you're
6:02
going to get it and nothing's going to
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happen or they're going to or they're
6:05
going to mess it up. Um, it's going to
6:07
fall through the cracks. It's going to
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be delayed and delayed and delayed.
6:10
You're going to have to fill out
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paperwork, you know, three or four
6:12
times.
6:15
And the other issue is because they
6:18
don't have staff to do this. I'm already
6:21
hearing from the inside they're just
6:23
reassigning staff at just hey you know
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you're over there fixing the computers
6:29
or you know you're you're doing this
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other thing. We need people to do
6:35
continuing disability reviews medical
6:37
types disability reviews and uh here's
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uh here's a here here's here's a
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one-page uh primer on how to do that.
6:44
You know those other people at the state
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agencies throughout the country they've
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been doing it for years. They've got
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entire procedures. They, you know, are
6:50
experts on this to make sure, you know,
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you're not kicked off a disability
6:54
incorrectly. They know the the, you
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know, the the doctors in clinics and the
6:59
hospitals in your state and they have
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the consultative exams and all this.
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They, you know, they had this procedure
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and now they're going to give it to a
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new entity that
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it's
7:12
it's going to be crazy. It's going to be
7:14
crazy. So, we're keeping an eye on this.
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So, number one,
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if you're on disability and you're about
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to come up with a CDR or you're in the
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process, if you've already sent it in,
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it just might go to this new thing. And
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so, please let us know. We're going to
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come up with a procedure for those
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people on uh continuing disability
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reviews to monitor their CDRs to make
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sure um you know, they're doing the
7:35
right thing at the right time. And then
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we're kind of outsourcing, crowdsourcing
7:41
that information. So, if you're in that
7:43
process and if you see that, oh, wait a
7:46
second. Hey, they're doing this in this
7:47
particular state, we're going to set up
7:49
a system to where you can report it to
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us and we can pass that out to ever
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everybody else. So, make sure you
7:54
subscribe and like and um that'll be
7:56
coming out here very very soon. Um, in
7:59
including Medicaid, Medicaid is going to
8:01
be a nightmare. That's why we've uh
8:02
decided to do this new system. Um, so
8:07
but if you're new to my channel, here
8:10
here's my philosophy on e even with all
8:13
these new changes, here is my philosophy
8:16
on CDRs,
8:18
FCF. And my regular viewers that watch
8:21
me, they know exactly what it is.
8:23
They've got it memorized. So
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CDRs, forget about it. Just forget about
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it. Social Security does a phenomenally
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great job at freaking people out and
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stressing people. Really good job at
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that. And particularly those people on
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disability. Am I going to be get kicked
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off disability? When I'm going to get my
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CDR, oh my gosh, am I going to fill it
8:43
out correctly and stuff. Don't don't
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worry about it. Forget about it until
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you actually get it. Because again, it
8:51
is an allocation. Remember I said each
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office gets certain amount of money from
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Congress. So if that office doesn't have
8:57
enough money to do yours, they're not
9:00
going to do yours. So even if you're
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you're as they call the that that diary
9:05
date, that that rotation, you are you're
9:08
you're one year or three years or five
9:10
years is this month and you're going out
9:12
there and checking the mailbox every day
9:14
or your my social security account every
9:15
day to see if oh my gosh, is it here
9:17
yet? Is it here? Stop worrying about it.
9:19
Even if it's here, you might not get it
9:21
because that local office
9:24
doesn't have the budget. So they have to
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do a hundred this month and there's
9:28
3,000 people in your area that have
9:30
disability. So you ain't gonna get one.
9:33
Yeah. So I've used ain't twice there.
9:35
Three times. So people sometimes they
9:37
have a drinking game to see how many
9:39
times I say that word and they drink.
9:41
Anyways, so we've got an interesting
9:43
community here that looks out for each
9:44
other. All right. Um All right. And so
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that's forget about it. Forget don't
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stress yourself out if you're on
9:49
disability. You have other issues. You
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got your disability. You've got uh you
9:52
know financial issues. and you've got
9:54
you've got enough issues to worry about.
9:56
Stop worrying about something that may
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never come.
10:00
C FCF.
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If you do get it, complete it, make
10:07
copies, send it in, and then we've got
10:10
on my website, myggovexpert.com. And
10:12
then on this new proceed, this new
10:14
process that we're going to start here,
10:16
we're going to help even more. Um, make
10:18
sure you get it done correctly. So stay
10:20
tuned for that one. But for but forget
10:23
about it. Copy, complete it, and then f
10:27
forget about it again because
10:31
you send it in,
10:34
they might not ever do anything with it.
10:36
It's like, why I stressed I I was up
10:38
till 2 or 3:00 in the morning worrying
10:40
about that forms whether I should
10:41
include this or not include that or, you
10:44
know, how I should answer these
10:45
questions. I will I be kicked off, will
10:48
I get in trouble? Will I have to pay
10:49
back all this money and stuff?
10:51
forget about it
10:54
because even if they have an allocation
10:57
like your local office has to do 100 of
11:01
these
11:03
what they do as I know every office does
11:06
this they have a quota they can't do 99
11:09
they can't do 101 they have to do 100 so
11:13
to make sure they meet meet that quota
11:15
they have to send out every office has
11:18
to send out a whole lot more 200 or
11:21
because they know a lot of those won't
11:23
come back. They'll come back partial.
11:25
The people won't fill it out. They'll
11:28
delay, whatever the case may be. So, in
11:30
order to make sure they fill their
11:32
quota, their allocation, they have to
11:34
send out more. And you might be part of
11:36
that second 100 that they send out that
11:37
they're never going to use. So, you sit
11:39
there and freak out and stuff and you
11:41
send it in and guess what? It goes in
11:43
the shredder.
11:44
So, I'm just letting you know, FCF.
11:48
So,
11:52
All right. So, if you got any other
11:53
questions here, yeah, this this is um
11:56
maybe it'll be good. Maybe with
12:00
anything, same thing with the transition
12:02
that they just started on March 7th. Um
12:05
I think it's a good idea, the big
12:08
transition they did on March 7th where
12:10
they're taking stuff out of the local
12:12
office and they're making it more
12:13
national. It's called kind of workload
12:15
mobility. Me and a bunch of people that
12:16
worked at Social Security used to say
12:18
that. They used to do that that we
12:19
should social security should do that.
12:22
We've been saying that for years and
12:23
they finally did it which is a good
12:24
thing. But you know the how they
12:27
actually do it and the purpose the goal
12:30
for why they do that that's yeah that's
12:34
our purpose for saying that they should
12:36
switch over to this new March 7 system
12:38
was to make customer service better.
12:43
the new administration might be saying,
12:45
"Well, this might be a reason to shut
12:47
down local offices." So, yeah, we will
12:51
we will see. And then we've got a
12:52
question here that fits in perfectly.
12:54
One of the reasons I did this video
12:56
today is because of that announcement
12:58
and then I've gotten tons of questions.
13:00
So, here is one of those questions that
13:03
uh we basically just answered, but you
13:05
guys to your show and I always
13:08
appreciate your information that you
13:09
provide.
13:10
>> [snorts]
13:10
>> So, a question I have is, uh, I saw a
13:14
note the other day saying that Social
13:16
Security is now going to do their CDRs
13:19
inhouse and no longer have them through
13:21
DDS. And I'm wondering what the pros and
13:24
cons are about that. Um, I'm one of
13:26
those that has a diary date between 5 to
13:28
7 years, and I'm actually due for one
13:30
fairly soon, but I'm wondering what the
13:32
pros and cons are about them no longer
13:34
being through DDS. Um, if you can let us
13:37
know, that would be great as I am a bit
13:39
concerned that that could affect
13:41
approval. Also, I hope that they still
13:44
allow people to come in if it's an
13:45
emergency, if they need help in filling
13:47
out paperwork, if they're visually
13:48
impaired or have another condition, um,
13:51
as it is a concern with all the new
13:53
changes with appointments. Thank you
13:55
again for everything. Have a great day.
13:57
>> All right, Pickles. All right. Yeah. So
14:00
I just addressed everything about the
14:02
new process for continued disability
14:04
reviews for disability. But yeah, her
14:06
second thing
14:08
there, you know, they they when Doge and
14:10
everybody took over, that's the first
14:12
thing they talked about shutting down
14:13
offices and they did consolidate some of
14:15
the backend offices, the regional
14:17
offices. We had my uh my Jackson um on
14:21
with us yesterday who just retired a few
14:23
months ago from Social Security and she
14:24
talked about their downsized, you know,
14:26
five of those offices, those big
14:28
offices. That's why customer service and
14:30
you know processing of everything is
14:32
delayed. But they were originally
14:34
talking about shutting down field
14:35
offices throughout the country. Um but
14:38
the American people push back and say no
14:40
no no that's you know exactly for
14:43
reasons what she talked about you know
14:45
people that are visually impaired people
14:46
that are homeless people that missing a
14:48
check and they need that need to go into
14:49
that local office. I mean you have a
14:52
local post office social security is
14:54
just as important for those people that
14:56
need a social security card disability
14:57
benefits. retirement benefits, survivor
14:59
benefits, they need to be in every
15:01
community. There's over,200 offices in
15:03
the country. Um, and a lot of people
15:06
don't need to go to local office, but
15:10
saying, "Well, I never need to go to the
15:11
local office. I don't care." Well,
15:13
there's people in your community that do
15:14
need to go there. Um, so we need to make
15:17
sure those offices are there for people.
15:19
So, all right, let's get into some
15:21
actual live questions. Um, someone says
15:25
this will be a Yeah. Anyway, We we won't
15:28
go into that. What's a CDR? Okay.
15:30
Anyone? Yeah, the continuing disability
15:31
review. All right, somebody answered it
15:33
there. Awesome.
15:35
Let's see. And please don't forget to
15:37
call your congressman and senator and
15:38
tell them we want social security
15:40
reformed. Yes, that is what's all about.
15:42
And two big things to contact. If you
15:44
you want to contact them, go for it to
15:47
make sure the trust fund, which is
15:50
slowly running out of money. It wasn't
15:52
stolen. Don't let the politicians give
15:54
you some type of BS. If you're receiving
15:56
social security benefits, you are
15:58
receiving part of the trust fund. It's
16:00
it's in your social security check. But
16:02
with any savings, it doesn't last
16:03
forever. And right now, 82 more checks
16:06
and then the trust fund is empty. And
16:08
then your check is going to be cut by
16:10
23%. So you need to contact the owners
16:12
of Social Security being your
16:13
politicians.
16:15
Well, we're the owners, but they are
16:16
running it and they ain't running it
16:17
very well. They haven't done anything to
16:19
fix it in 40 years. None of these guys,
16:21
they've had plans. Some of them had
16:23
plans, some of them have not plans. And
16:25
the current administration has
16:26
unfortunately no plan and none of the
16:28
other current administrations or
16:30
politicians in the background actually
16:32
did anything over 40 years. So, so we
16:35
need to fix that. And yes, customer
16:37
service, there's a local office, too.
16:39
Uh, what's going on? What's going to
16:41
change? I wish the government would stop
16:42
messing with everything. I agree. Well,
16:44
no, that's that's one of the the
16:47
problems is the lack of a plan is a
16:51
plan.
16:52
So when politicians say, "I'm going to
16:54
protect social security. I'm not going
16:57
to I'm going to make sure it's not
16:58
touched." Okay. But that's a terrible
17:01
plan because
17:05
of that. So I'm going to make sure
17:08
social security is not touched. That is
17:10
the plan. That means I'm going to make
17:12
sure social security just runs out and
17:14
just dies naturally. and then maybe I'll
17:18
do something then or maybe I'll just go
17:19
ahead and, you know, give it over to my
17:21
buddies on Wall Street. So, uh, join the
17:23
Social Security Ticket to Work and
17:24
they'll wave that for you. Okay, so
17:26
somebody's Yeah, Ticket to Work. Um,
17:29
pretty good program. Some people hit and
17:31
miss with that. It's a it's a
17:32
organization that Social Security
17:34
contracts with that you contact them and
17:38
they help you get a ticket to work. So,
17:41
if you're on disability benefits and
17:42
you're thinking about trying to go back
17:44
to work, they're the people there that
17:46
help you out. You contact your local
17:48
Social Security office. Unfortunately,
17:50
staffing is an issue. Um, there's what's
17:52
called Awix area work incentives
17:56
coordinators. Um, I think
17:58
[clears throat] those are pretty much
17:59
all been relocated out of the agency.
18:02
Um, that help people on disability try
18:04
to go back to work. Um, because it's
18:06
good for everybody and people go back to
18:08
work. It's good for them. They make more
18:09
money, get out of the house, contribute.
18:12
It's good for the trust fund. You stop
18:14
pulling money out of the trust fund. You
18:16
pay taxes. Everybody loves it when you
18:18
pay taxes except for you, the person
18:21
actually paying taxes. So, watch the
18:24
great mood today. The holder. Okay. All
18:26
right. Um, let's see. Senator Wers of
18:30
Virginia recent newsletter on social
18:31
security addressed this saying they're
18:33
going to use intelligent medical
18:36
language analysis AI software moving
18:38
forward. Yes, I forgot to mention that
18:42
that they're going to this this new
18:44
office is going to use AI, which is not
18:47
necessarily a bad thing. That's kind of
18:50
like they're going to be using AI for
18:53
those six states um to for prior
18:56
authorization for original Medicare. You
18:58
know, original Medicare has never really
19:00
had prior authorizations. Medicare
19:02
Advantage plans do. Yeah. And then some.
19:06
Um make sure you fight those. But
19:08
original Medicare has never really had
19:10
prior authorizations and they're
19:12
starting a roll out where they're doing
19:14
prior authorizations in some states to
19:16
see if it works or they make money on it
19:20
and they're going to be using AI for
19:24
those. So yeah, but with you know any
19:27
tool um you know it could be used for
19:30
good or evil. I went to the disability
19:33
evaluation. What a bunch of fakers were
19:35
there. Okay. Yeah.
19:38
Um, not sure where you got your medical
19:40
degree and you could determine that
19:42
based on a waiting room
19:45
for a friend who is a US citizen and who
19:47
lives and has residency in Costa Rica.
19:51
She turned 65 uh years old on March 22nd
19:54
and has not received correspondence for
19:56
medic uh for Medicare Part B premium.
19:58
Social Security website shows she owes
20:00
zero. Uh she turned 65
20:04
in March on March 20. Yeah, she should
20:06
have already received it. If Well, if
20:08
she's already
20:10
is she already receiving benefits,
20:13
she has to be receiving benefits to get
20:15
Medicare signed up automatically. So, if
20:17
she's already receiving Social Security
20:18
benefits, any type of Social Security
20:20
benefits, retirement spouse, divorce
20:21
spouse, surviving spouse, then they will
20:23
sign her up automatically about 3
20:26
months. She'll get the card about 3
20:27
months before she turns 65. and she
20:31
probably either number one is not
20:33
receiving benefits. So, she wasn't
20:35
signed automatically. That means she has
20:37
to sign up if she, you know, to avoid
20:40
those penalties if she wants to avoid
20:41
those penalties. So, she has to sign up.
20:43
She can call a chapter and they can walk
20:45
her through the process there. And, you
20:47
know, since she's overseas, she's got
20:49
some um different extenduating
20:51
circumstances.
20:53
Um, but if she is receiving social
20:56
security benefits, then they sent her
20:59
card and somehow she didn't get it. So,
21:01
she needs to find out where her card is.
21:04
So,
21:05
my nearest social security office is 3
21:07
hours away. Wow. That's uh And remember
21:10
earlier last year when Doge said that
21:12
everybody has to go into Social Security
21:14
to do everything and well, they really
21:17
didn't say that. They they said
21:18
something that was so vague that it
21:21
immediately got picked up on social
21:23
media and everybody said everybody has
21:26
to go into Social Security and we were
21:27
getting tons of people coming in and
21:29
said I live 3 hours and in order to
21:31
continue getting my check I I I just
21:33
heard that I have to go into your the
21:35
Social Security office 3 hours away and
21:37
I can't do it. I'm disabled. And it just
21:40
Yeah, that was way way too stressful. A
21:42
lot of people um Yeah, it got very very
21:45
bad. And then Doge Social Security
21:48
finally came back and said, "Oh, okay.
21:50
Okay, I never never mind." Um, yeah,
21:52
they knew that. Yeah. Uh, this was a bad
21:55
idea from the beginning. U,
21:58
how often do they do the CDR? It really
22:01
depends on your particular disability.
22:03
If you don't know, then you need to
22:05
contact Social Security. Um, that's one
22:07
of the things in our our new platform
22:09
that we're setting up, our new um, site
22:11
is you'll need to know in order to get
22:14
it everything all set up. You'll need to
22:16
know
22:18
when you're scheduled to have your next
22:22
CDR and then what type of rotation
22:24
you're on. Is it every one year or three
22:26
years or something? And then we're going
22:28
to um, help you monitor that. But yeah,
22:31
that's in your particular case, Julie.
22:34
um contact social security and ask them
22:36
what what's my rotation for my CDRs and
22:38
they'll have to look at the original
22:40
approval letter. So it might take them a
22:42
little time on the phone. They'll have
22:44
to look at the approval letter and
22:45
they'll tell you what your rotation is
22:48
and you'll say okay. So I forget when is
22:50
that again? So three years when when is
22:52
three years up? It's and so make sure
22:55
you write that down and then um check
22:58
back and then we'll have this all set up
23:00
for you. a reference to AI in charge of
23:02
social security means
23:04
okay yeah um hey what's up if a US
23:09
citizen lives and has residency in a
23:12
different country are they still
23:13
required to pay Medicare part B premium
23:16
as we used to say in the Marine Corps
23:18
you're not you don't have to do anything
23:19
in life
23:21
but if you don't and there's going to be
23:24
some repercussions not necessarily
23:26
push-ups or going you know yeah running
23:29
a running a 10k or something like dad
23:31
with a yeah an Alice pack on your back.
23:33
And anyway, um but I digress. Um you
23:37
don't have to, but if you ever decide to
23:41
um come back to the United States
23:44
because you're homesick or sick or the
23:47
political situation changes in your
23:49
particular country or whatever the case
23:50
may be, and you decide to come back,
23:52
then you are going to be penalized for
23:54
the rest of your life. 10% for every 12
23:58
months you did not have creditable
23:59
coverage. And in your particular
24:01
country, if you have health insurance
24:03
from your particular country, uh,
24:05
national health insurance, some of those
24:07
are actually creditable coverage. So, if
24:10
you have health coverage in that
24:11
country, from that country, not
24:13
traveler's insurance or anything, but
24:15
health insurance from that country, then
24:16
that might be creditable coverage. Um,
24:19
and you won't be charged the penalty.
24:23
But the every country is a little bit
24:25
different. The best way to figure that
24:26
out is call the the US embassy in that
24:28
particular country and say, "Hey, is the
24:31
national health insurance in this
24:32
particular country considered, you know,
24:34
credible and hopefully they will know."
24:36
So, with Medicaid, housing, SNAP, and
24:40
dire straits, remember there are 36
24:42
governor races this year. States rights
24:44
need us right now. Please vote. Yes.
24:46
Yes. And we're going to be adding um the
24:49
the big things on this is people on
24:51
retirement, Medicaid, um disability with
24:54
all the CDRs and stuff. We are we're
24:57
we're coming up with a a program to help
24:59
you all out. So on social security
25:02
disability, I turned 65 in July. Will it
25:05
be continued as a disability until age
25:07
67? Yes. Yes.
25:10
It'll switch over to regular retirement
25:13
benefits at your full retirement age,
25:15
which probably for you is what, 67, 66,
25:18
and 10 months or something. But yeah,
25:20
it'll switch over to regular retirement
25:21
benefits at your full retirement age,
25:23
not 65. But you turn 65 in July.
25:28
Do you have a Medicare plan, a Medicare
25:32
Advantage, or a Medicare supplement
25:33
plan? In most states, alls you can get
25:36
before 65 if you're on disability is a
25:39
Medicare Advantage plan. And maybe you
25:41
wanted a Medicare supplement plan, but
25:43
you weren't able to get one. When you
25:45
turn 65, you've got a special window
25:47
where you can get a Medicare supplement
25:49
plan. And they can't deny you for any
25:51
pre-existing conditions. The stupidest
25:53
phrase in the English language,
25:54
pre-existing conditions. They deny
25:56
people for Yeah. Anyway, um and they
25:58
can't charge you extra. So,
26:02
um, you can reach out to chapter and see
26:03
if, oh, what is this Medicare
26:05
supplement? Is it right for me? Um, and
26:07
at least you check it out because that
26:09
might be your only opportunity. So, I
26:11
have Crohn's and cancer. Can you suggest
26:13
any form of action? Um, if did you
26:16
already file for disability benefits? If
26:17
you're unable to work because of it,
26:19
then and when I say unable to work,
26:22
Social Security considered it what's
26:24
called SGAA, substantial gainful
26:26
activity. So, you can work and receive
26:30
disability benefits. You just have to
26:32
stay under there's limits. Um the the
26:36
regular limit is $1,690.
26:39
As long as you stay under that, you can
26:41
essentially continue to work. So,
26:43
substantial gainful activity at calls
26:46
trying to figure out additional
26:47
insurance advantage or supplement
26:49
besides Medicare. Yeah, call call
26:51
chapter. They can help you out. That's I
26:54
didn't want to get into that whole
26:56
Medicare Advantage, Medicare Supplement
26:58
Part D stuff. I think original Medicare
27:01
should cover it all. And since you all
27:03
paid for it for decades, decades, it
27:04
should cover it all. But it doesn't.
27:06
There's a bunch of gaps. So when I
27:08
worked at Social Security, I helped
27:09
people with Part A and Part B. But at
27:12
Social Security, because Medicare
27:14
Advantage, Medicare supplements, those
27:15
are private companies, Social Security
27:18
employees couldn't talk about that. They
27:19
just said, "Yeah, whatever whatever else
27:20
you want, whatever. go get go get it.
27:22
And that was my philosophy when I
27:24
started doing this. But a lot of people
27:26
out there were making the wrong
27:27
decisions. And there's a lot of,
27:30
how shall I say it, not altruistic
27:34
people in the Medicare insurance
27:37
world. And I was tired of people getting
27:40
sold a bill of goods and being told
27:43
incorrect things. So that's why I
27:45
partnered up with chapter and and so but
27:48
they've been doing a phenomenal job. And
27:50
speaking of when you do, um this is also
27:53
the open enrollment period. So we have
27:56
another what 16 days or so um that if
28:00
you do have a Medicare Advantage plan,
28:02
you can actually change your Medicare
28:04
Advantage plan. You have until March
28:06
31st. So if you checked your Medicare
28:10
Advantage plan, you know, during the
28:12
annual enrollment period in October,
28:14
November, December there, um and you're
28:17
happy with it, then you're perfect,
28:18
you're good. But maybe you got a little
28:21
question that maybe you, you know, oh,
28:23
did I pick the right plan. Um, or maybe
28:26
your situation has changed and the plan
28:29
you picked a few months ago. Uh, okay, I
28:32
might need some issues. You know, I
28:33
might have some issues going on this
28:35
year, so maybe I need to check and see
28:36
if I can switch to another plan that
28:38
better addresses. Um, I need to find a
28:41
new doctor. Whatever the case may be,
28:42
you can reach out to chapter and they
28:43
can help you out. Um, but be prepared. I
28:47
always say have the seven seats. The
28:49
seven the seven Ps have your current
28:51
plan available so they can compare what
28:53
you currently have with whatever else is
28:55
out there. The providers are super
28:58
important. You want to make sure the
28:59
providers and any new plan you're
29:01
considering is um are covered and
29:04
chapter they're going to ask you these
29:06
questions. They're going to say who are
29:07
your providers? We want to find a plan
29:08
that's you know get those providers.
29:10
Your prescriptions we want to save you
29:12
as much money on prescriptions and get
29:13
the pharmacy you like and your
29:15
priorities. make sure you save as much
29:16
money. And chapter the reason, the
29:19
number one reason we chose them is
29:21
because they just don't sign you up and
29:23
forget about it. They
29:26
all year long if you got a weird bill or
29:29
something like that, you call them up
29:31
and say, "Hey, what's up with this?" So
29:34
you can find an help you find a doctor.
29:36
They can help you. So if I am at full
29:39
retirement age and continue to work, do
29:41
my social security contributions simply
29:43
go to the next generation? I want to
29:45
start to collect. Um, it really depends
29:49
how much you make.
29:51
Social Security when they determine your
29:54
benefit amount, they do it based on your
29:57
high 35 years of earnings. So, they take
30:00
your high 35 years of earnings. So, if
30:02
you're if last year or this year,
30:04
whatever is one of your high 35 years,
30:06
they use that. They kick out one of the
30:08
low ones, add this new new one, this new
30:10
high, and they recalculate. And then
30:12
your benefits will go up. that's 100%
30:14
automatic. But if it's not one of your
30:16
high 35, then yeah, guess it goes into
30:19
the trust fund. It goes into the general
30:21
and uh that's why we call it social
30:26
security versus individual retirement
30:29
account. Right. See, I didn't need the
30:32
doctor degree. I heard them and what
30:34
they were planning. Ah, okay. Oh, they
30:37
actually told you. Um, okay. Well,
30:39
that's different. That's different. So,
30:43
um, did taxes this week rather cry over
30:46
my cola for social security.
30:48
Yeah.
30:51
Um, I get one every three years, but it
30:54
states I'm not likely to improve. I
30:56
don't understand why they still do it
30:58
every three years. Yeah, because you got
30:59
the likely part in there. um now with
31:03
all of this new technology and stuff
31:06
coming out and there's miracle cures and
31:09
all this. So, you never know. People
31:12
I've seen it happen lots, hundreds of
31:15
thousands of times. Um new medication,
31:19
new surgeries, whatever the case may be,
31:21
still know still don't understand why
31:24
they're not prioritizing male pattern
31:26
baldness. Um but my community out there
31:28
is pushing for it to happen. So, and it
31:30
should be covered by Medicare. If you're
31:33
on disability and you're going to turn
31:34
62, will it go automatically go over to
31:36
social SSA? No, it it won't go over
31:39
until you turn your full retirement age.
31:43
And since we are um doing a video today
31:47
on CDRs and all that, I'm sure we
31:49
probably have a lot of people on
31:50
disability benefits. So, let me let me
31:52
go through my disability spiel that I do
31:56
all the time when I talk about
31:58
disability.
31:59
When you're on disability benefits,
32:02
there are certain times in your life
32:03
that you need to do something to make
32:05
sure that you get everything you're
32:08
eligible for. One of those is at 60
32:11
years old. When if you're on disability
32:14
and you turn 60 years old, this is the
32:16
opportunity if you're eligible for any
32:18
surviving spouse benefits, divorced
32:22
surviving spouse benefits, whatever the
32:23
case may be. If you're eligible for
32:24
those benefits
32:26
in terms of, you know, you were married
32:28
to the person when they m when they
32:30
passed, you just had to be married 9
32:31
year, excuse me, 9 months. If it was a
32:34
divorce type situation, you had to be
32:36
married 10 years. Okay? And with all of
32:40
these extra programs that you're going
32:42
to be adding on top and getting that
32:43
extra money, if you're eligible, you
32:45
still continue to get your disability
32:47
benefits. So, there's too many people
32:49
out there that say, "Yeah, I'm getting
32:51
disability benefits, and I could get an
32:53
extra $200 or $300 from a spouse,
32:54
divorced spouse, deceased spouse, and
32:56
but I don't want to switch over to that
32:58
because I'm only 60, 62 years old, and
33:00
I'll lose my disability, and if I lose
33:03
my disability, I'll lose my Medicare."
33:05
100% incorrect.
33:08
If you're eligible for more benefits,
33:10
survivor, uh, spouse, divorce spouse,
33:13
whatever, they will add that on top of
33:15
your disability. One offsets the other.
33:17
So, if you're eligible for $1,500 from
33:19
another person's record and you're
33:22
getting a th000, you'll continue to get
33:24
your $1,000 from Social Security
33:26
disability. And because you're getting
33:28
still getting your $1,000 or $500,
33:30
whatever, $2,000 from disability,
33:34
you'll still can get you'll still
33:36
continue to get your Medicare if you
33:37
have Medicare. Okay? And then that other
33:40
$500 will just be added on top of that.
33:42
So, you're basically getting two checks.
33:44
you're getting disability benefits on
33:46
your own record and then you're getting
33:47
that extra benefit off someone else's
33:49
record. They put them into one check but
33:52
you know one offsets the other. So,
33:53
okay, so 60 years old
33:56
survivor benefits 62 if you're eligible
33:59
for any benefits on another person's
34:00
record because you're currently married
34:02
to that person and they're receiving
34:03
benefits. You were married to the person
34:06
divorced and they're at least 62. They
34:08
don't have to be receiving benefits.
34:11
um you can add those benefits on top of
34:14
yours. Okay. 65, when you turn 65,
34:17
that's when if you have a Medicare
34:19
Advantage plan and what you really
34:21
wanted was a Medicare supplement plan
34:24
because you're tired of the prior
34:25
authorizations and the limited network.
34:27
You want to go wherever you want to go
34:28
and you want the doctor to have the
34:30
final say, not some bean counter at some
34:31
insurance company, then that's a
34:33
Medicare supplement plan. And under 65
34:37
in most states, you can't get one of
34:38
those. But when you're 65, you got this
34:40
brand new opportunity, this new window
34:42
to get whatever you want, not be denied,
34:44
got not be charged extra. So reach out
34:46
to chapter and they can see if there's
34:49
one that you like um that works for you.
34:52
100% free. So tell them I said hi.
34:55
And then at full retirement age, that's
34:59
when you no longer receive disability
35:01
benefits. You're done. Your disability
35:03
benefits end. It just switches to
35:05
regular retirement benefits. So, no more
35:07
continuing disability reviews, no more
35:10
work limitations. You are on regular old
35:12
Social Security retirement benefits. Go
35:14
out there and do whatever you want.
35:15
Social Security doesn't care anymore.
35:17
So, that's my spiel for 60, 62, 65, and
35:21
67 or 66 and 8 months or whatever. So,
35:25
no, Marie. If you qualify for regular
35:27
Social Security, you won't get SSI
35:28
unless your benefits are under $944
35:33
a month. N excuse me, nine. We we both
35:35
got it wrong. Uh Eeyore, um $994 a
35:39
month. Yeah, SSI this year is $9.99. Um
35:42
SSI last year was $967. So SSI is a
35:46
different type of disability program.
35:48
It's it's a welfarebased needs-based
35:50
program, low income, low resources, and
35:53
the max you can get on SSI is $994.
35:57
So, but yes, your your statement other
36:00
than the number is in is correct. If
36:03
you're receiving under $994
36:06
from disability, retirement, survivor
36:09
benefits, anything, you really need to
36:11
check to see if you're eligible for some
36:12
more money. And and people say all the
36:15
time, "Yeah, I'm receiving $993
36:19
and I don't want to go through all that
36:21
that nightmare to receive an extra
36:23
buck." Yes, you do. Yes, you do. Because
36:27
if you are approved for SSI, even a
36:30
dollar, then you're called what's
36:32
categorically eligible for a whole bunch
36:34
of other benefits. Medicaid, low-inccome
36:36
subsidy, Medicare savings program, and
36:39
it one extra dollar over here opens up
36:42
hundreds of extra dollars over here. So,
36:44
that's what people mess up all the time.
36:46
So, but that's why we're here. Um,
36:50
applied for Social Security retirement
36:52
December 2025 to begin March 1st.
36:56
monthly estimate given before 2025 IRS
36:58
filing did not increase after 2025
37:00
filing. Um, yeah, it it takes time.
37:03
Yeah, you'll get it. If that's one of
37:04
your high 35 years, then once Social
37:08
Security gets the official decision, uh,
37:10
the official number from the IRS, they
37:12
will do the calculation and they'll
37:15
increase your benefit if if it increases
37:17
your benefit and they'll do it all the
37:18
way back to January. So, if it takes
37:20
them next month, last year, a lot of
37:23
times it doesn't it doesn't hit until
37:26
October.
37:28
But when it finally does, they'll say,
37:30
"Okay, yeah, we looked at last year's
37:32
earnings and you deserve now from now on
37:35
an extra $10 a month. So, here's your
37:37
extra $10 a month." Oh, wait a second.
37:39
It took us till October and we short
37:40
change you in nine months. Okay. Here's
37:42
your $90. Is that Yeah. Yeah. Here's
37:46
your here's your money going back to
37:47
January. So, just get to get a little
37:49
bit of time. But with everybody, don't
37:52
care how old you are, make sure you go
37:54
into social security and set up a my
37:57
social security account. And that way,
37:58
you make sure your earnings get
38:00
reflected correctly. There's too many
38:02
people that Yeah. don't do that and they
38:03
lose out money the rest of their lives.
38:05
So,
38:07
let's see. I'm turning 62 in July and
38:10
going to apply for Social Security. My
38:12
husband is on disability. Will they
38:15
automatically give me spousal benefits
38:17
or just my own? Uh they won't do
38:18
anything automatic. You they should they
38:21
should it's it's not automatic, but they
38:24
should
38:26
evaluate your situation and ask you that
38:28
question. Do you have are you currently
38:29
married? You ever married before? yada
38:30
yada yada. And they ask you that
38:31
question. And if you say yes, then
38:33
they're you know they it should be
38:35
automatic. Um, but yeah, with everything
38:39
going on, so your full benefit amount,
38:43
your full benefit amount, if you would
38:45
waited till your full retirement age,
38:47
has to be less than half of his full
38:50
benefit amount or vice versa.
38:53
So, one of yours, the full benefit
38:55
amount has to be less than half of the
38:56
others. And if it is, then you can go
38:59
ahead and one of you can go get some
39:01
extra money. If not then not then no
39:06
because it has to be up to half less
39:08
than half. For surviving spouse benefits
39:12
the calculations change completely.
39:14
That's why a lot of people don't get
39:16
surviving spouse benefits because they
39:18
checked when that person their ex or
39:21
whatever was alive you know 5 or 10
39:23
years ago and they said yeah I called
39:25
social security and they said I'm not
39:26
eligible for benefits on my ex. and they
39:29
take that as that's forever. No, you
39:33
maybe at that time, but now the person
39:36
worked more and paid more and now you're
39:38
eligible for some money or that person
39:40
passed away and all the calculations
39:42
changed and you're now you're eligible.
39:44
Yeah. So, subscribe, like, share. Let's
39:48
get the information out there. So, made
39:50
the most in 2025, applied for social.
39:53
Okay. Already uh Yeah, already answered
39:55
that one.
39:56
Let's check out some more video
40:00
questions.
40:03
>> Hey, Dr. Red. Um I am 41 and disabled
40:08
from a botched thyroid ectomy and um
40:15
disability has been not so kind to me
40:19
because of my age and it's the disease I
40:23
have is very rare and it's just been
40:25
very hard. Um so I was wondering
40:29
when I got approved for SSI and SSDI.
40:33
I know there's that fivemon waiting
40:35
period um before you can start receiving
40:37
payments for for SSDI.
40:41
Well, that five month waiting period,
40:43
shouldn't I have gotten SSI payments?
40:48
Um,
40:51
and not only that, but
40:54
I do have a son and
40:58
um,
41:00
he only received $20 a month from the
41:03
time from time he was in school until he
41:07
turned 18. Um, and mind you, it took
41:12
I don't know almost 2 and 1/2 years for
41:14
me to even be able to get disability.
41:17
Uh, and last question. I would love to
41:20
somewhat go over my um
41:26
personal disability journey because and
41:30
because I feel like something's just not
41:32
right. Um, I'm not really quite sure
41:34
which way to turn or who to turn to. Uh,
41:37
so I was wondering if you did, you know,
41:39
kind of guidance or counseling classes
41:42
one-on-one. Um, but yeah, I hope this
41:45
made sense. if not. Um,
41:47
>> okay, perfect. Yeah, on that last
41:49
question. Yeah, we we're we we've got
41:52
the Spock Mind melt going on there.
41:53
We're Yeah, we're we've got you covered.
41:55
So, stay tuned on that last question
41:57
there. Okay, so for the first two
42:00
questions, yeah, when you're approved
42:01
for SSDI, Social Security disability
42:04
insurance, everybody has to wait five
42:06
months. There's a couple in accession
42:07
and Lou Garrick's disease, ALS and
42:09
stuff, but um but for most people
42:12
there's a fivemonth waiting period and
42:14
everybody has to wait that five months
42:16
except for small exclusions
42:18
for SSI, supplemental security income,
42:20
welfare based program, there is no
42:22
fivemonth waiting period. Um so that
42:25
during that five months you could very
42:26
well receive SSI. So I would definitely
42:29
check that out. have someone you would
42:32
need to speak to a title 16 which is
42:36
title 16 of the social security act.
42:38
Those are the people that handle SSI the
42:40
welfare based needsbased program. You
42:42
get that based on being disabled or 65
42:44
and older. So you need to talk to a
42:47
title six. Don't talk to a title two
42:49
person. They can't help you out. You
42:50
need to when you call social security
42:52
and said hey I need to set up an
42:54
appointment with a title 16 CS or or
42:57
even better a TE a technical expert.
42:59
probably can't go there directly and
43:00
talk to a TE, but I want to speak to
43:03
someone title 16. I want to check out
43:05
that five months there and see why why I
43:09
didn't get that five months um
43:14
with with Title 16 because it is SSI,
43:17
supplemental security income, a
43:18
needs-based welfare based program.
43:21
if
43:23
during that 5 months uh or or anything
43:26
you low income low resources so maybe
43:28
you had some resources and therefore you
43:30
weren't qualified resources is very very
43:32
low single anything over $2,000 you're
43:35
not eligible for SSI married anything
43:37
over $3,000 you're not eligible and they
43:40
don't count your exe exempt exemptions
43:43
are your house and and a vehicle your
43:45
first your one vehicle
43:48
so but if anything else other than that
43:50
you're if you're over those resource
43:52
limits, then you you can't get SSI. But
43:54
if you weren't, I would definitely call
43:56
them and say, "Hey, what's going on?"
43:57
Okay. Number two, your child only
43:59
received $20.
44:02
So, there is what's called a family max.
44:05
So, probably if if you're
44:10
let's say your uh your your benefit is
44:13
$1,000
44:15
and so you're getting $1,000 and then
44:18
your family max the max that can be paid
44:20
out on your record is $1,020.
44:23
Then the only thing left is that $20. So
44:27
the family max is probably
44:31
I don't know. So $20 doesn't sound
44:33
right. It really depends on your work
44:35
history and how much you paid into
44:36
social security and that's how the
44:38
family max is determined.
44:40
But I would have them check that out as
44:43
well. But that one is on the title two
44:46
side of the house. So when you're
44:48
talking to the title 16 person about
44:50
that fivemon SSI, [snorts] then you can
44:54
try it and say, "Okay, what about my
44:57
auxiliary child? Um, is there a family
45:00
max involved in that? Why? Why? Why did
45:02
he only get $20? Shouldn't he have
45:04
gotten more money? Cuz a child can
45:06
receive up to 50% of your benefit amount
45:09
if he's under eight he or she's under 18
45:11
or became disabled before the age of 22.
45:14
And $20 doesn't Yeah, that's sounds
45:18
strange strange, but it really depends
45:20
on your your work history there. So, and
45:22
and that part you need to talk to a
45:24
title to a regular SSDI person. So,
45:30
>> hello. I have a question. My boyfriend
45:32
of three years, his wife died two years
45:35
before I met him of um pretty suddenly
45:40
and he was told like some other people
45:43
you've talked about at the Social
45:45
Security Administration that he was not
45:47
eligible to get her social security and
45:49
never talked to him about spousal
45:51
benefits. Is it too late if she has been
45:54
passed for 5 years or more? Is there a a
45:57
time limit that he can file for it and
46:00
get the paperwork finished and get get
46:03
the disability or not the disability but
46:05
the social security from his wife. They
46:07
were married over 25 years. Thank you so
46:10
much. I appreciate it.
46:12
>> Yeah. In terms of uh that type of
46:14
limitation, no. If eligible for
46:17
benefits, then definitely file for those
46:19
benefits. There will be a limitation on
46:22
retroactivity
46:24
possibly. there's some extenduating
46:26
circumstances that Pink Owl, thank you
46:28
for throwing that up there. Put it up
46:30
there since everybody's having fun with
46:32
their taxes. Um, but in terms of
46:36
filing, no. If if he's eligible, um, I
46:40
would and how we determine whether he's
46:43
eligible, you know, sounds like the
46:44
marriage had if it was divorce type
46:47
situation had to be married at least 10
46:48
years. uh if he was married to the
46:50
person um when that person passed and
46:53
only had to be married nine months.
46:55
That's a lot of people missed that
46:57
money. But sounds like the marriage not
46:58
an issue. He has to be at least 60 years
47:01
old. Unmarried before 60. You can marry
47:05
after 60 and that marriage after 60 is
47:08
disregarded by social security. But um
47:11
if you get married before 60 and are
47:12
still married then you can't qualify.
47:16
And it also depends on there's whether
47:19
he's working making over $24,480
47:22
this year and all that. So, but with
47:24
with all that in terms of your basic
47:27
question, can he file even it's been a
47:29
year, two years, three years? Yeah,
47:30
absolutely. You got people that were
47:33
married to someone in their 20s and that
47:37
person passed away after 9 months
47:40
and 30 years later, 40 years later, a
47:44
person files for surviving spouse
47:46
benefits on that person's record at 60
47:48
years old. So obviously money is not
47:51
going to go back to 25 years old. Um
47:54
there is a a limitation on how far back.
47:57
So but make sure you make sure he pushes
47:59
that. um if he called
48:02
at that time a year ago, two years ago
48:05
and asked about and was told something
48:07
incorrect that you find out that was now
48:09
was an incorrect statement,
48:12
misinformation, then push it and say,
48:15
"Hey, you know, I would have filed for
48:18
those benefits last year or two years
48:20
ago if I would have had the correct
48:22
information that you're now telling me.
48:24
What are you going to do to fix it? What
48:26
are you going to do to rectify it?" So,
48:30
um, let's see here. Commercial came on
48:32
screen and cut your audio off when you
48:34
were talking about Doge Online for
48:35
Social Security. Could you repeat? Oh,
48:37
okay. Yeah, all my videos uh once I do
48:39
the live um Tik Tok and not Tik Tok, but
48:43
Facebook and um YouTube puts it up in
48:47
the uh the feed and the archive and all
48:50
that kind of stuff so you can watch all
48:51
of them again. And I also take out like
48:54
the first the topic type part and then I
48:57
make a regular video based on just the
49:00
topic without the live Q&A. So you can
49:02
watch those anytime if you're so
49:05
inclined. But yeah, uh Doge what Doge
49:08
last year was saying everybody has to
49:10
come into the Social Security office or
49:12
we're going to kick you off benefits.
49:13
They didn't say it exactly like that,
49:14
but they didn't make it clear because
49:16
they didn't know what they were talking
49:17
about and that's how everybody took it.
49:19
But, you know, they Yeah. They don't
49:22
know what they're doing. And but Doge is
49:24
not long.
49:26
Doge is not here anymore. They're gone.
49:28
Yeah. The the organization is gone, but
49:30
the the people are still there. They,
49:32
you know, just reported that Doge person
49:34
took a lot of information from Social
49:36
Security and put it in a thumb drive and
49:37
took it home. The current commissioner
49:39
of Social Security is also a Doge guy.
49:41
He said he is a Doge guy. So, they're
49:44
still there.
49:46
I guess is the big wonderful bill
49:50
that uh Trump, President Trump passed a
49:53
while back. It concerns the uh senior
49:56
citizen $6,000
49:59
uh
50:01
tax refund.
50:03
Now, I understood it was uh for all of
50:08
us seniors that we could do a tax refund
50:10
for the next four years and get $6,000
50:14
re refund.
50:17
I went down to uh Huelet uh this morning
50:22
and was informed that I would have to do
50:24
a
50:26
uh
50:28
one of those fancy itemized
50:33
uh refund things.
50:36
>> Yeah. So that's uh um yeah, I can I can
50:39
see the misunderstanding because the a
50:42
campaign promise by a politician, go
50:45
figure, didn't come true. Wait, what? I
50:48
can't believe that. Anyway, color me
50:50
shocked. Um, so the the promise was no
50:54
tax on tips, no tax on overtime, and no
50:57
tax on social security. The first two,
50:59
h, but the last one absolutely didn't
51:02
happen. If you have to pay tax on your
51:04
social security benefits, you're going
51:06
to pay tax on your social security
51:07
benefits just like you did last year,
51:08
the year before year. You know, a lot
51:10
most about [snorts] half people don't
51:12
even pay taxes on their social security
51:14
because that's all they receive in the
51:15
low, you know, their income doesn't
51:18
doesn't meet the threshold.
51:21
But the one thing that did pass in the
51:23
one big beautiful bill, and it has
51:25
nothing really to do with social
51:26
security, it's they said we're going to
51:28
give seniors a deduction. That's it. A
51:31
deduction the IRS is going to give you.
51:32
It's not relevant to your social
51:34
security. It's a deduction. It's just
51:36
basically if you made $100,000 last year
51:39
and you have $100,000 of taxable income
51:42
and you're single, guess what? Now you
51:45
have $94,000 of taxable income if you I
51:49
guess whatever itemize. I never work for
51:51
the IRS, so I'm not going to go there.
51:53
But yeah, it's just a they you made 20
51:56
You made $36,000. Okay. you only made
52:00
$3,000 $30,000, you know, up to it's
52:04
phased out. It's up to $6,000. If you're
52:06
married, it's up to $12,000 deduction.
52:09
So, it's not a rebate or anything like
52:11
that. There's been how many rebates have
52:14
we been promised? There's the Doge
52:16
dividend where Doge is going to save so
52:18
much money they're going to give some of
52:20
it back. Didn't happen. Didn't happen.
52:23
Um, the tariff refund. Um, yeah. You
52:27
think,
52:28
uh, don't hold your breath. Yeah, I'm
52:30
not holding mine.
52:33
Uh, okay. Another question here.
52:35
>> Hey, Dr. Ed. Um, I've talked to you once
52:38
before. Um, things are moving along. I'm
52:41
going to be 65 in August. I ran my
52:44
numbers and everything today and
52:49
trying to make a decision. Um, the
52:52
question is, if I go on now and work
52:56
part-time and make up to that 2040 or
52:59
whatever it is a month now, um, I
53:02
realize that I would receive about
53:04
$2,600, almost $2,700
53:07
a month from Social Security in addition
53:10
to being able to work part-time.
53:14
My question is if when I'm working
53:16
part-time, if I do
53:19
some reason uh end up
53:22
being labeled as disabled, whether it's
53:25
from uh the small dumb health things
53:27
I've already had going to something
53:29
else, um do I then would I then move to
53:33
the uh disability benefit value uh which
53:37
right now says it's like 3176.
53:40
Um, also a a silly question. If I'm on
53:44
social security and I'm working
53:47
part-time,
53:49
do I still pay social security on the
53:52
money I'm
53:54
earning? And if I do, does that somehow
53:58
increase my benefit still?
54:02
I appreciate all the stuff you do. I
54:04
appreciate everyone's input. I really
54:06
enjoy uh watching your videos. I'd love
54:09
to watch them every day, but I watch as
54:11
much as possible. So, I appreciate your
54:13
help. Thank you very much.
54:15
>> All right. And yeah, we've got a great
54:17
community here. So, yeah, everybody
54:19
looks out for everybody else, and I'm
54:20
sure you're doing the same same thing to
54:22
help other people. Okay. So, let's go
54:24
down your question. So you're receiving
54:26
retirement benefits and if you end up
54:29
filing for disability benefits
54:32
absolutely you can if you are let's say
54:36
63 64 65 66 um you and you're receiving
54:40
retirement benefits and all a sudden
54:42
you're working but you're not able to
54:43
work any longer then if you're unable to
54:48
work because of your disability then
54:50
file for disability benefits
54:52
and it just might increase your benefit.
54:54
It depends how old you are when you file
54:57
those benefits. The earlier you do it,
54:59
the more it increases your benefits
55:01
because when you file for benefits at,
55:03
you know, 62, regular retirement
55:04
benefits, your benefits are reduced by
55:06
30%. If you file for disability and are
55:09
approved at 62, then you get 100% of
55:12
your full benefit amount. So,
55:16
there's that. And then, so when you're
55:18
on retirement, yes, you can switch to
55:21
disability benefits, file for disability
55:23
benefits. What a lot of people do is
55:25
they do both at the same time. They file
55:28
for what's called a rib dib. RIB is
55:31
retirement insurance benefits. DIB is
55:33
disability insurance benefits. And why
55:35
would you do both? You're not going to
55:36
get both checks. Not full checks. Not
55:38
you're not getting both checks.
55:40
But people, they are no longer able to
55:43
work. They're 62, 63, whatever. So they
55:47
want to file for disability benefits to
55:49
get that money and get Medicare early.
55:52
but they also need to pay rent and buy
55:55
food and all that kind of good stuff
55:56
that we need to survive until their
55:58
disability is decided 6 months, nine
56:00
months, a year later. So that's why they
56:02
file for retirement benefits to start
56:04
getting a check coming in and that
56:07
doesn't affect your disability benefits
56:09
in terms of being approved or anything
56:11
like that. So that way you get a check
56:13
coming in and then hopefully your
56:15
disability benefits are approved later
56:18
and they yeah they'll increase your
56:20
benefit amount and then you might get
56:22
Medicare earlier. Okay. In terms of um
56:27
the
56:29
if you are receiving social security
56:31
benefits and you're working, yes, you
56:34
you'll still continue to pay income
56:36
taxes. You'll still continue to pay FICA
56:38
taxes which go into social security and
56:39
Medicare. And will it increase your
56:42
benefit amount? It depends on how much
56:43
you made. If it's one of your high 35
56:45
years, then it will increase your
56:47
benefit amount. If it doesn't, then it
56:50
won't, but you still have to pay it. So,
56:54
>> hi Dr. Wear. This is Marie from the St.
56:56
Louis area in Missouri. Um, I have a son
57:01
who's been injured many times and he's
57:05
had two strokes and he's been
57:07
electrocuted. So, he doesn't handle his
57:09
business the best that he possibly
57:12
could. And um he wasn't paying any
57:16
attention to his bills that he was
57:18
getting in the mail, which were way too
57:20
high for what he was getting. And I
57:23
don't know how to get him rein uh
57:26
insured, and he needs his insurance.
57:29
Could you please help me? Thank you.
57:33
>> All right. Um he's on disability
57:35
benefits. So, wow. executed. I don't
57:38
know. Um,
57:41
yeah, if if we're talking Medicare
57:43
because people are eligible for Medicare
57:46
being on disability SSDI, Social
57:48
Security disability insurance after 24
57:50
months. So, if he's on disability
57:52
benefits, yeah, reach out to Chapter and
57:54
they can help um see what's going on and
57:56
see if there's something better in his
57:58
area. And it's completely free. They
58:00
don't charge you anything. So, if they
58:02
if they can't find you anything better,
58:03
then say, "All right, well, maybe next
58:05
time, next year."
58:06
the plans change every year. Um, if
58:10
there's anything other than Medicare,
58:12
um, yeah, I'm not sure what other type
58:15
of maybe it's the Affordable Care Act or
58:17
something while waiting for Medicare to
58:19
start. I can't help with that yet. We're
58:22
working on it, but uh, not the now, as
58:25
William Wallace would have say.
58:26
>> Hey, Dr. Ed, it's Kathy in Michigan
58:28
again. Um, I was just hearing you talk
58:33
about somebody using other people's
58:36
social security numbers. When I filed
58:39
for widows um, benefits the other day,
58:44
the lady that that I talked to had asked
58:48
me if I had worked in 2024.
58:52
And I said, "No, I haven't worked since
58:54
2017."
58:56
And she says, "Because we're showing
58:59
that you made $300 and some odd,000."
59:03
>> Wow.
59:04
>> That year. Like, that's not mine. So,
59:08
anyway, she's she's going to send me out
59:10
a form to sign stating that those are
59:15
not my wages. So anyway, but I I don't
59:20
know if that
59:22
ties into what you're just talking
59:23
about, but I just thought I would let
59:26
you know. Have a good day and thank you
59:29
for your service.
59:30
>> All right. Thank you for letting us
59:32
know. There we go. That's how we like
59:33
Oh. Oh, we're repeating it. We She left
59:35
such a good message, we decided to play
59:37
it again. Okay. So, thank you for
59:39
letting us know on that. Yeah, that's I
59:40
talked about that a few days ago. We
59:42
talked about E-Verify and stuff, but um
59:46
yeah, that's why even if you're young,
59:49
old, whatever the case may be, you need
59:51
to check your earnings record to make
59:53
sure that the money that you make that
59:56
you pay into the IRS and FICA taxes,
59:59
your social security, Medicare taxes,
1:00:00
and all that. How they determine how
1:00:02
much you're going to receive at
1:00:03
retirement or disability or survivors
1:00:05
are going to receive or your spouse is
1:00:06
going to receive. All that is determined
1:00:09
by how much you actually paid into
1:00:10
Social Security. And if that number
1:00:13
doesn't get from you, your employer, and
1:00:16
you and the IRS and your accountant and
1:00:18
and it doesn't get to the social
1:00:20
security database,
1:00:22
then you ain't getting credit for it.
1:00:25
So, it's important that you change it,
1:00:26
you that you check it. And in her
1:00:29
particular case,
1:00:31
someone else's benefit got on there and
1:00:34
you're like, "Oh, as I talked about, I
1:00:36
talk about all the time and people say
1:00:37
like, "Oh, awesome. That makes more that
1:00:40
that means I'll get more money. Yes,
1:00:42
that's right. Until you don't. And with
1:00:45
her particular situation, if she's been
1:00:48
receiving benefits and she had that
1:00:50
$300,000
1:00:52
earnings on her, it's called the dequy,
1:00:54
the detailed earnings. Um, then
1:00:59
she got extra money
1:01:02
for however long it's been on there. So,
1:01:04
they increased her benefit amount by 10,
1:01:06
20, $30 a month or whatever it was. and
1:01:08
she's been getting that extra money
1:01:10
because she worked and made 300,000. It
1:01:13
only counts up to this year it's 184,500
1:01:16
because people that make over 184,500
1:01:18
don't pay FICA taxes like the rest of
1:01:20
us. So, but anyway, for social security
1:01:21
FICA. So, anyway, that's a whole
1:01:23
different I'm not going to go down
1:01:24
there. Very frustrating point of all of
1:01:26
it. Anyway, so
1:01:30
once um so you've recognized that that
1:01:32
extra $300,000 is on there and you're
1:01:35
going through the motions to go ahead
1:01:36
and get it cleaned out and say, "Hey,
1:01:38
you're disowning those earnings and
1:01:40
they're they will go ahead and pull it
1:01:42
out and put it in suspense file." And
1:01:44
the person that actually
1:01:46
owns that $300,000
1:01:48
um you know, it's up to them to claim
1:01:51
that later and hopefully they not sure
1:01:53
why they didn't catch it. Um, it's
1:01:56
probably usually from my experience
1:01:58
doing this a million times is the social
1:02:01
security number. Somebody mistyped the
1:02:02
social security number. Yours might be
1:02:04
one, two at the end and somebody type
1:02:06
one two one or something. That's Yeah,
1:02:08
that's usually how it happens.
1:02:11
But if your benefits have been increased
1:02:14
since that time, then the next step once
1:02:17
you get those earnings off your record,
1:02:19
they're going to recalculate your
1:02:21
benefits and they're going to send you a
1:02:22
nasty gram that says you you were
1:02:25
overpaid x amount of money and then you
1:02:28
need to repay it. So once you get that,
1:02:31
come on back and then uh we'll show you
1:02:33
how to fight that. So
1:02:36
all right, we got the final question.
1:02:38
ility or if they know anybody that's on
1:02:40
disability. This is important.
1:02:42
>> Hi, my mother been paying My name is
1:02:44
Carla. I'm from Lake Charles, Louisiana.
1:02:47
My mother been paying back social
1:02:50
security since she was 73 years old.
1:02:52
She's 92. They told us she got overpaid
1:02:57
um and it's been
1:03:00
since she been 73. And we need to know
1:03:03
if she's paid finished paying for it or
1:03:06
what. They take $10 out of her check
1:03:08
every month and we just concerned about
1:03:13
is she still supposed to be paying this
1:03:15
money
1:03:16
>> or what?
1:03:19
>> All of that type of stuff has always
1:03:21
been done by the state.
1:03:22
>> And she wants to know is she entitled to
1:03:25
veterans
1:03:27
benefits from my deceased dad. They was
1:03:31
married 22 years
1:03:33
before he got a divorce. But be he was
1:03:36
they were divorced
1:03:38
>> before he died.
1:03:40
>> But she needs to know if she's entitled
1:03:43
to veterans.
1:03:45
>> Okay. All right. So,
1:03:47
yeah, $10 a month. That is like the
1:03:50
minimum if if an overpayment cannot be
1:03:53
waved. And there's two things to in
1:03:55
order to wave an overpayment. It's not
1:03:57
your fault and you don't have the
1:03:59
ability to repay it. So, and both of
1:04:03
those there's it's a old different Yeah,
1:04:06
it's it's another hour video. I won't
1:04:09
talk about that um this time. I've
1:04:11
talked about the overp payments a bunch,
1:04:13
but anyway, um it sounds as though she
1:04:16
wasn't able to fulfill those two. You
1:04:18
have to both of those have to be
1:04:20
fulfilled. It looks like she wasn't able
1:04:21
to do it when she got that overpayment.
1:04:24
So, but they realized the person at the
1:04:27
Lake Charles, Louisiana office
1:04:30
probably realized, okay, sorry, we can't
1:04:33
wave your overpayment, but we're not
1:04:35
going to charge you $200 a month because
1:04:36
you only make this much money. So, they
1:04:39
did the very minimum, which is $10 a
1:04:41
month. And probably I've done that many,
1:04:44
many times. I'm a softy like that. Um,
1:04:48
and you know, it's like, okay, you have
1:04:50
a $30,000 overpayment, we'll get you $10
1:04:52
a month. It's never going to come back.
1:04:54
but you you you've got no money and I
1:04:57
can't do this and
1:04:59
um at that time I social security limits
1:05:02
people the the employees for saying
1:05:04
certain things and now I would say a
1:05:06
whole bunch of other stuff um to help
1:05:08
you work it but uh yeah I couldn't at
1:05:11
that time or I would be yeah dislocated
1:05:14
from the agency anyway um but
1:05:19
probably if they're only doing $10 a
1:05:21
month that's one of those things where
1:05:23
she's probably going have to pay another
1:05:24
10 or 20 years from my experience to get
1:05:26
it paid off. So, it's probably a large
1:05:29
amount, but it could be it could be out.
1:05:33
So, I I would call up Social Security
1:05:35
and, you know, make sure she's on the
1:05:37
phone. Um, if you are the representative
1:05:39
payee and and number one, thank you for
1:05:41
taking care of your family there, taking
1:05:43
care of her. You're three awesome. Um,
1:05:46
if
1:05:48
if you're her representative pay, then
1:05:50
you can speak on her behalf and do it
1:05:52
all that kind of stuff. and and maybe
1:05:53
that if you're not, maybe it's time to
1:05:56
do that. Um and say, "Hey, um you know,
1:06:00
um she's getting uh she's still young
1:06:02
but getting older as we all are and
1:06:04
maybe I should go ahead and be the
1:06:06
representative pay and that way I can,
1:06:08
you know, deal with stuff in the future
1:06:09
and they'll assign you a representative
1:06:10
to pay you if if you are already one."
1:06:13
And then I would ask them say, "Hey, um
1:06:17
you know, how much is left over on the
1:06:18
debt? How much is left over? 10, you
1:06:21
know, it's $10 a month and they'll say,
1:06:23
"Oh, you got this much, so you have to
1:06:25
pay another 13 years." And
1:06:28
um and you can always request another uh
1:06:30
a waiver and say, you know, can we do
1:06:33
this again? Um you know, it wasn't her
1:06:36
fault and she you know, that $10 a
1:06:39
month, that's $10 a month. You know,
1:06:41
that's almost a gallon of gas nowadays,
1:06:43
right? So, you can do that again. Um but
1:06:48
uh yeah and the number one I would call
1:06:50
up and say how much is it how much is
1:06:51
left and it's probably from my
1:06:54
experience it's probably years and years
1:06:55
and years left but it could be oh yeah
1:06:58
next month you're done and then no harm
1:07:00
no foul. So all right that's it for
1:07:02
today we went way way over I will be
1:07:05
back again tomorrow and uh we'll pick
1:07:08
another topic and help as many of people
1:07:10
as we possibly can with our community
1:07:12
answering all these questions. So even
1:07:14
when we leave here, got questions on
1:07:17
YouTube and Tik Tok and Facebook and all
1:07:19
that and our regulars go in there and
1:07:22
help other people on a regular basis
1:07:24
because you guys are awesome.
1:07:27
All right, y'all take care. Have a
1:07:28
beautiful night. And please, please,