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well maybe in NYC where people don't care, this is not the case in CA. But where I live they are helpful and right. The local office did right by Mrs5150.
Can you give me your phone number. Just in case I have a SS question. You claim to know more about SS than the trained SS case managers. They are not clerks (such a 19th century term!)
you don't need my number ,,.,. just direct message me ... not that i am an expert but my own experiences say my answers are more reliable than theirs are .
if you want to accept the answers you get from them feel free .
if these lower level ss workers were so knowledgeable this would not have been an issue . but believe what you want about them . personally i would do my own homework and not count on them .
"EIGHTY-TWO PERCENT OF widows and widowers who are receiving Social Security benefits are entitled to a higher monthly payment but were not made aware of an option allowing them to claim it, according to a recent audit report.
The report, compiled by the Social Security Administration Office of the Inspector General, estimates the agency underpaid about $131.8 million to 9,224 widows and widowers aged 70 and older."
I can only speak from experience at the local ss office.
it really depends on who you get and of course what your question or best course of action is for you ....
the level of question i may have may be very different from your question which may be more basic .
i have found the initial contact people you get not very advanced as far as what they know . on the other hand i had appealed an irma increase and the examiner we had was very very good and in fact ruled in my favor on rules in these huge books, with reasons i wasn't even aware of .
this is no different then people who claim a financial planner is very good , but they don't really have the ability to judge for themselves because they wouldn't know good from not so good based on their own limited knowledge .
you don't need my number ,,.,. just direct message me ... not that i am an expert but my own experiences say my answers are more reliable than theirs are .
I don’t mind answering a question for anyone if I know the answer .....I tend to put a lot of effort in to the things I need to know but no effort in to what I don’t need to know so I only know what I know and don’t know what I don’t know , if that makes sense
I don’t mind answering a question for anyone if I know the answer .....I tend to put a lot of effort in to the things I need to know but no effort in to what I don’t need to know so I only know what I know and don’t know what I don’t know , if that makes sense
Yes it makes sense. I do the same. The local SS office staff is very competent. Might not be the case in your area
Yes it makes sense. I do the same. The local SS office staff is very competent. Might not be the case in your area
like i said it all depends on the level of question ... the problem is the questions we ask revolve around what we know to some extent . we can't ask questions about the things we don't know enough about to ask if you follow that logic .
so being most people are pretty financially ignorant about most financial things and their understanding of the in's and outs of social security is low at best , the questions they ask tend to be very basic and of course those low level people at ss appear knowledgeable answering them .
i can guarantee you something like the january rule will never come up when someone wants to file after fra . survivor benefits and choices are another area where ss has been known to drop the ball by not offering correct advice .
they can't help you incorporating ss in to your own financial roadmap and plan . so there is a lot calling ss or going in to see them is going to miss .
i recommend paying a source like social security solutions
Last edited by mathjak107; 09-07-2019 at 05:10 AM..
I took my Social security at 62, very easy online application. No phone calls, no clerks, I got a packet of info a few weeks after I applied, it had all the info and how much I was going to get and when I was getting it. I had to give them my bank info during the online application. They got to know where to send my mailbox money.
I think some forget that people die before their FRA all the time, both of my parents did. I am not waiting, I am already camping, fishing, drinking, and ok a little dabbing. (I really like the dabbing) I just love retirement.
The only thing those high priced social security advisors want to know is how much money you got stashed and how are they going to get their little greasy paws on it.
This is just some simple advice from a retired old country man.
I took my Social security at 62, very easy online application. No phone calls, no clerks, I got a packet of info a few weeks after I applied, it had all the info and how much I was going to get and when I was getting it. I had to give them my bank info during the online application. They got to know where to send my mailbox money.
I think some forget that people die before their FRA all the time, both of my parents did. I am not waiting, I am already camping, fishing, drinking, and ok a little dabbing. (I really like the dabbing) I just love retirement.
The only thing those high priced social security advisors want to know is how much money you got stashed and how are they going to get their little greasy paws on it.
This is just some simple advice from a retired old country man.
retirement planning can be as efficient as you want to be . most who don't care just go by what if i die ..
you obviously know nothing about the social security advisers because they don't get a penny based on what you have nor do they sell a thing except advice so i would stick to being a retired old simple country man and not give others advice . .
on the other hand the ss specialists will look at your overall tax situation , your needs to have aca subsidies from 62-65 and the effects of ss , spousal benefits and the effect tax wise ,. they look at how ss integrates with your rmd's tax wise and medicare premium wise . then their are survivor benefits to deal with and a spouse filing single .
like i said , everything is simple when you know little about it and whats involved.
it is no different than you hear those with limited retirement planning knowledge say only see a fee only planner . these same people would have no clue in determining whether the person they picked is really up to date in modern day retirement planning methods or not .
the sad truth is most are not.. most followed the baby boomers through the accumulation stage .. they are good at the first half of the game . but i have found most fee only advisers i know to be quite lacking in the 2nd half of the game because i know how to evaluate them .
most are only fee only because they lack the training , credentials and licenses needed to incorporate other products so as to build a comprehensive plane , OR THEY WOULD NOT BE WASTING IT BEING FEE ONLY .
so most are lacking in the area of retirement planning and run on old school methods and thinking .. but the uninformed don't know any better so it is what it is and these guys are great to them ..
Last edited by mathjak107; 09-07-2019 at 07:05 AM..
retirement planning can be as efficient as you want to be . most who don't care just go by what if i die ..
you obviously know nothing about the social security advisers because they don't get a penny based on what you have nor do they sell a thing except advice so i would stick to being a retired old simple country man and not give others advice . .
on the other hand the ss specialists will look at your overall tax situation , your needs to have aca subsidies from 62-65 and the effects of ss , spousal benefits and the effect tax wise ,. they look at how ss integrates with your rmd's tax wise and medicare premium wise . then their are survivor benefits to deal with and a spouse filing single .
like i said , everything is simple when you know little about it and whats involved.
it is no different than you hear those with limited retirement planning knowledge say only see a fee only planner . these same people would have no clue in determining whether the person they picked is really up to date in modern day retirement planning methods or not .
the sad truth is most are not.. most followed the baby boomers through the accumulation stage .. they are good at the first half of the game . but i have found most fee only advisers i know to be quite lacking in the 2nd half of the game because i know how to evaluate them .
most are only fee only because they lack the training , credentials and licenses needed to incorporate other products so as to build a comprehensive plane , OR THEY WOULD NOT BE WASTING IT BEING FEE ONLY .
so most are lacking in the area of retirement planning and run on old school methods and thinking .. but the uninformed don't know any better so it is what it is and these guys are great to them ..
You come off as a know it all, thanks for your advice Bullwinkle.
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hmmm....
