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farmerjan
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At present, I have signed up for SS to start in Jan 2019. The lady I talked to at our office, was very nice and although confusing, did a pretty good job of trying to help me through it. First complication, they needed a copy of my birth certificate because the date they had was one day before my actual birthdate. So had to go through the rigamarole to get a copy of my birth certificate from the city clerk. That of course seemed to take forever, even with a priority envelope prepaid, provided to them. So got that to prove who I was when I was born.
When discussing the different amounts according to when I would take it, it seems there is like only about a $6. difference per month for me to wait longer. NO BRAINER..... but the reason I am waiting to Jan2019 is the allowable earned income increases to something over $44,000 from the current 15,000 or so. Since I have made over $15,000 as taxable wages, they would hold my first 2 SS checks and then after the end of the 2018 year, I would get what I was allowed. Since I have never made over the $44,000 new allowable limit, it was just easier to wait 3 months and not have to deal with all the "held back" checks and such. 3 months isn't a big deal, and I will get a "smidgen more". They still hold the first check so to speak... I will get the "january check" the first of february.
I will be starting medicare the first of December as that is the start of our fiscal year at work. I wanted to be sure to get the rest of the health savings match our company did through the end of our 2018 year. Since the dairy industry has gotten so bad in general, and so many farms are skipping tests or going to every other month or every 3, I will be losing my full time status by the first of 2019 so it is going to work out pretty smoothly to start. I am now signed up for Part A & B and have to get the drug plan which I think I will go with F from what our health ins lady at work has suggested. It seems that our insurance at work does not have a "creditable" drug plan so it was pretty much a foregone conclusion to go on Medicare. It is either F or G and she said her husband has F and they paid a total of $187 out of pocket for his knee replacement, rehab, etc and so forth. I've got to do a little more studying on it, but because I will have coverage through work for another month or so, they told me I can sign up without a penalty because I qualify for the open enrollment as well as the enrollment that everyone has when they are turning 65. I should have made a decision by next week, I am just waiting on a call back from an ins provider that I met at a seminar given for seniors, for advise to a couple of questions I had.
It still takes a Philadelphia lawyer to figure it all out.....
When discussing the different amounts according to when I would take it, it seems there is like only about a $6. difference per month for me to wait longer. NO BRAINER..... but the reason I am waiting to Jan2019 is the allowable earned income increases to something over $44,000 from the current 15,000 or so. Since I have made over $15,000 as taxable wages, they would hold my first 2 SS checks and then after the end of the 2018 year, I would get what I was allowed. Since I have never made over the $44,000 new allowable limit, it was just easier to wait 3 months and not have to deal with all the "held back" checks and such. 3 months isn't a big deal, and I will get a "smidgen more". They still hold the first check so to speak... I will get the "january check" the first of february.
I will be starting medicare the first of December as that is the start of our fiscal year at work. I wanted to be sure to get the rest of the health savings match our company did through the end of our 2018 year. Since the dairy industry has gotten so bad in general, and so many farms are skipping tests or going to every other month or every 3, I will be losing my full time status by the first of 2019 so it is going to work out pretty smoothly to start. I am now signed up for Part A & B and have to get the drug plan which I think I will go with F from what our health ins lady at work has suggested. It seems that our insurance at work does not have a "creditable" drug plan so it was pretty much a foregone conclusion to go on Medicare. It is either F or G and she said her husband has F and they paid a total of $187 out of pocket for his knee replacement, rehab, etc and so forth. I've got to do a little more studying on it, but because I will have coverage through work for another month or so, they told me I can sign up without a penalty because I qualify for the open enrollment as well as the enrollment that everyone has when they are turning 65. I should have made a decision by next week, I am just waiting on a call back from an ins provider that I met at a seminar given for seniors, for advise to a couple of questions I had.
It still takes a Philadelphia lawyer to figure it all out.....
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