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Social Security/Medicare rip off
10-11-2011, 09:08 AM
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#1
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Recycles dryer sheets
Join Date: Sep 2011
Location: PWC VA
Posts: 144
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Social Security/Medicare rip off
I am in the process of applying for SS and Medicare. Just got off the phone with them after completing the online application. The issue: SS checks are with held one month so you are delayed getting the check. However Medicare has to be paid one month in advance. So the first check you receive which is delayed one month after the SS start date will have two months of Medicare payments removed. So what you get is delayed a month, what you have to pay has to be paid a month in advance.
My congressman is getting a letter, what a rip off.
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10-11-2011, 09:16 AM
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#2
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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Not only do you get paid for each month in the following month but the payment received in the month of your death (for the month you were alive) goes back to the SS admin. Since payment by check is on the way out, the little reminder about the payment for the last month of a recipients life will fade away.
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10-11-2011, 09:21 AM
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#3
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Recycles dryer sheets
Join Date: Dec 2009
Posts: 215
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I don't think this is worth getting upset about.
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10-11-2011, 09:24 AM
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#4
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2008
Posts: 6,506
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Quote:
Originally Posted by l2ridehd
I am in the process of applying for SS and Medicare. Just got off the phone with them after completing the online application. The issue: SS checks are with held one month so you are delayed getting the check. However Medicare has to be paid one month in advance. So the first check you receive which is delayed one month after the SS start date will have two months of Medicare payments removed. So what you get is delayed a month, what you have to pay has to be paid a month in advance.
My congressman is getting a letter, what a rip off.
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Look on the bright side. You are getting paid. For the rest of your life. Minor glitch up front.
When getting new empl*yment, you never get paid for what you are about to do, get paid after doing what you were hired to do.
__________________
There must be moderation in everything, including moderation.
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10-11-2011, 09:26 AM
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#5
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gone traveling
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
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Quote:
Originally Posted by chemist
I don't think this is worth getting upset about.
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I would agree.
I'm age 63 but do not intend to claim SS till age 70 (for the primary reason of benefits for DW, after I pass).
I need to file for Medicare on Oct 1, 2012, to start Medicare on the date of 01/01/2013 due to my birthdate, which is in January. Medicare starts the first of the month that you turn 65, regardless of the date of the month. I will be billed (quarterly) for Part B preimums (rather than take them from my SS) untill I claim SS.
SS requires you (unless born on the 1st or 2nd of month) to have a one-month "waiting period" before you are paid your benefit. It's no different than wor*ing for a full month before getting a monthly paycheck (as I did, for many years). You have to "earn it" before you get paid.
This info is readily available for anybody who is concerned about their future benefits. Nobody is hiding anything...
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10-11-2011, 09:27 AM
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#6
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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Just another cut to add to death by a thousand cuts.
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10-11-2011, 09:28 AM
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#7
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Moderator Emeritus
Join Date: Sep 2007
Posts: 17,774
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Quote:
Originally Posted by l2ridehd
...My congressman is getting a letter, what a rip off.
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I'll be so happy to be covered by Medicare and SS that I won't care if it's six months getting here.
I'm sure your congressman will get right on that.
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
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10-11-2011, 09:32 AM
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#8
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Sep 2005
Location: Northern IL
Posts: 26,888
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Make a protest sign. Whine. Get emotional in front of a reporter. It's somewhat popular these days.
-ERD50
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10-11-2011, 09:32 AM
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#9
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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I applied for the retirement benefit in October to commence the following January. They did not have the courtesy to advise as to the amount of that benefit until January.
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10-11-2011, 09:37 AM
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#10
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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Quote:
Originally Posted by Bestwifeever
I'll be so happy to be covered by Medicare and SS that I won't care if it's six months getting here.
I'm sure your congressman will get right on that.
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You may not be so pleased if you find out that some of your doctors will not accept medicare patients.
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10-11-2011, 09:38 AM
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#11
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gone traveling
Join Date: Apr 2009
Location: Eastern PA
Posts: 3,851
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Quote:
Originally Posted by justplainbll
I applied for the retirement benefit in October to commence the following January. They did not have the courtesy to advise as to the amount of that benefit until January.
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That's when the annual SS benefit statement is sent out, along with any increases due to COLA adjustments.
Often this information is not available till late in the year, and the proper program changes are made.
Until you receive this statement of benefits, any "guesstimate" is just that.
Yes, been there - done that.
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10-11-2011, 09:39 AM
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#12
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2007
Posts: 14,328
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This is an outrage. I'd move to Somalia.
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10-11-2011, 09:40 AM
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#13
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Thinks s/he gets paid by the post
Join Date: Jun 2007
Location: near Canadian border and near Mexican border
Posts: 1,142
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[QUOTE=justplainbll;1120108]Not only do you get paid for each month in the following month but the payment received in the month of your death (for the month you were alive) goes back to the SS admin.QUOTE]
Beat SS at their own game. Don't die.
__________________
Pigs get fat, hogs get slaughtered. That's my story and I am sticking to it.
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10-11-2011, 09:42 AM
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#14
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Moderator Emeritus
Join Date: Sep 2007
Posts: 17,774
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Quote:
Originally Posted by justplainbll
You may not be so pleased if you find out that some of your doctors will not accept medicare patients.
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So is it better if Medicare is not there for me?
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
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10-11-2011, 09:48 AM
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#15
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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Quote:
Originally Posted by Bestwifeever
So is it better if Medicare is not there for me?
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People taking a reduced salary to work for entities offering medical insurance benefits which continued into retirement got gypped when they were roped into medicare.
Perhaps the outrageous rise in medical costs and higher education costs is somewhat attributable to government programs?
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10-11-2011, 09:59 AM
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#16
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 47,500
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I'll just remember to apply for SS a month earlier than the date when I want it. No problem. I sort of assumed it would be paid at the end of the month anyway. Guess I'm a pessimist.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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10-11-2011, 09:59 AM
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#17
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Moderator Emeritus
Join Date: May 2007
Posts: 12,901
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Quote:
Originally Posted by chemist
I don't think this is worth getting upset about.
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I agree.
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10-11-2011, 10:00 AM
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#18
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Thinks s/he gets paid by the post
Join Date: Jun 2005
Posts: 4,391
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At least the OP gets a benefit.
For those of us a bit younger what the OP got is more than we'll ever see.
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10-11-2011, 10:03 AM
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#19
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Recycles dryer sheets
Join Date: Sep 2011
Location: Easten Long Island
Posts: 414
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Quote:
Originally Posted by W2R
I'll just remember to apply for SS a month earlier than the date when I want it. No problem. I sort of assumed it would be paid at the end of the month anyway.
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I receive mine on about the 23rd of the month following the month for which the benefit is being paid.
As I used to hear in the military, guess it's 'close enough for government work'.
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10-11-2011, 10:22 AM
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#20
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Administrator
Join Date: Jan 2008
Location: Chicagoland
Posts: 40,708
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Absolutely shocking news.
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