Articles written by Rusty Gleer
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How to Plan Your Social Security if You Have a Long Life Expectancy
Ask Rusty – Is Waiting until 70 Still the Best Plan to Maximize Social Security? Dear Rusty: My wife started her Social Security at 62 in March 2017 and I filed a Restricted Application to collect...
Social Security Would Go Broke if They Didn't Tax Benefits
Ask Rusty – Is Taxing Social Security Fair? Dear Rusty: Taxing Social Security benefits isn't fair. It would benefit everyone if seniors could earn as much as possible without having their Social Se...
How to Apply for Social Security: the Basics
Ask Rusty – About the Basics of Applying for Social Security Dear Rusty: I am planning to apply for Social Security in May of 2022 and would like to understand how to file. I will be taking it when...
How Long Does it Take to Recoup the Social Security You Paid into the System?
Ask Rusty – If I Die, What Happens to the Social Security Taxes I Paid? Dear Rusty: I have heard that when my wife and I pass, the government keeps all we have paid into social security. Is this...
Why is My Social Security Cost of Living Increase Different From Everyone Else's?
Ask Rusty – Is My COLA Increase Based on My Current SS Benefit? Dear Rusty: I started collecting SS when I turned 70 to maximize my income. One factor that is never mentioned is that the annual...
Is the Social Security Fund Going to Dry Up and Will I Lose My Benefits?
Ask Rusty – Will My Social Security Be Reduced in the Future? Dear Rusty: I started Social Security about 2 years ago and I thought that the monthly benefit amount stated to me by Social Security...
Will Retiring Early from Work Affect my Social Security Benefit?
Ask Rusty – Will Retiring Early from Work Affect my Social Security? Dear Rusty: I stopped working at age 55, well before my full retirement age of 66 years and 10 months. I had over 35 years workin...
Your Expected Social Security Payout Will Depend in Part on Cost of Living Projections
Ask Rusty – About Including "COLA" in Benefit Projections Dear Rusty: In your reply to "Confused Senior" about when to claim Social Security benefits, I noticed that you did not take into account...
When is it Best to Wait Until Age 70 to Claim Social Security?
Ask Rusty – Is It Always Best to Wait Until Age 70 to Claim Social Security? Dear Rusty: I'm 66 years old and still (self) employed as a home builder. I have not taken Social Security benefits yet,...
Paying Social Security Now Will Not Increase Your Social Security Payment Later
Ask Rusty – Will Paying Social Security Tax Now Increase My Benefits later? Dear Rusty: I started drawing my benefits at age 62 due to being laid off from my job at age 60. I have continued working...
Your Social Security Income is Taxable
Ask Rusty – My Social Security Income Hurts When I File My Taxes Dear Rusty: I am getting hammered with taxes on my Social Security (SS). I am retired and draw a meager work pension and SS...
How Long Does it Take to Receive Social Security Once You Apply?
Ask Rusty – If I Apply Now, When Will I Get My First Social Security Payment? Dear Rusty: If I were to apply for my Social Security retirement (I'm 68 on August 1, 2021), when could I realistically...
Should She Claim Disability or Take Her Social Security Survivor Benefit?
Ask Rusty – Disability vs. Survivor Benefit Dear Rusty: I have a question regarding Social Security. I'm 54 and applying for disability. I've had rheumatoid arthritis since I was 19. My son, 16...
Can a Wife and Minor Children Collect Social Security Based on Their Father?
Ask Rusty – Should I Claim Family Benefits? Dear Rusty: I was born in 1956 and my wife in 1961. I've got 45 years of SSA earnings, and I will have income in 2021. We have 4 minor children, the young...
How Should I Decide When to Claim My Survivor's Social Security Benefit?
Ask Rusty – When Should I Claim My Survivor Benefit? Dear Rusty: My wife passed away in 2014. I'm 60 years old and have been retired since August 2020. I know I'm entitled to survivor benefits, but...
How Long Do You Have to Be Married to Qualify for Survivor Social Security Benefits When a Spouse Passes Away?
Dear Rusty: My husband and I were only married 5 years before he passed away from cancer. I am 61 and was told by SS that I don't qualify to receive his survivor benefits because we weren't married...
When a Spouse Passes Away, Should You Claim the Spouse's Benefit or the Survivor Benefit and Difference?
Dear Rusty: When my father passed away and we went to update my mother's Social Security benefits, a question arose that I was confused by. We were asked "Do you want to claim just your father's...
Is There Any Way to Collect a Higher Social Security Benefit As You Get Older?
Ask Rusty – Can I Get a Higher Benefit Now Because I'm Older? Dear Rusty: I started getting Social Security at age 62 and I am now 77. Can I get a higher benefit now that I'm older? Signed: Needy...
Will Pensions from Foreign Countries Affect Your Social Security Benefits?
Ask Rusty – Will My UK Pension Affect My US Social Security? Dear Rusty: I am 57 years old, was born in the UK, and since 1988 have worked in the US. I have always paid US taxes and Social...
Will Earnings from a State Pension Affect Social Security Benefits?
Ask Rusty – Will My Retirement Benefits Be Cut Because of My State Pension? Dear Rusty: I took early retirement at 20 years from the Louisiana public school system in 1996. Since then, I have...
Should a Wife Claim a Social Security Spousal Benefit Now or Wait Until Full Retirement Age to Collect her Own?
Ask Rusty – Should My Wife Wait Until Age 70 to Claim? Dear Rusty: I'm 74 and receiving my Social Security benefits. My wife is 68 and we are delaying her benefits until she's 70. But I read an...
Will Applying for Disability Affect Your Social Security Benefit?
Ask Rusty – Will Applying for SS Disability Hurt SS Retirement Benefit? Dear Rusty: My husband turns 65 later this month. He has started having health issues - so much so that we are thinking about...
When is the Best Time to Collect Social Security?
Ask Rusty – When Is the Best Time to Claim Social Security? Dear Rusty: I will be 64 in May of this year, and I'd like to know the best time to claim Social Security. Signed: Anxious to Retire Dear...
What to do if Your Social Security Card is Incorrect
Ask Rusty – My Social Security Card Is Incorrect – What Should I Do? Dear Rusty: My sister and I have the same first and last names but are distinguished by our "middle" names. Our last name consi...
Will Taking 401K Distributions Affect My Social Security Benefit?
Ask Rusty – Will Taking 401K Distributions Affect My Social Security Benefit? Dear Rusty: I'm 63 and retired from work, but not drawing Social Security. I have accumulated just over $300,000 in my r...
