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New York State Office for the Aging Highlights Resources During Caregivers Month To Help New Yorkers Who Provide Unpaid Care To Friends And Family

The New York State Office for the Aging (NYSOFA) today recognized National Family Caregivers Month, highlighting the many resources to support unpaid caregivers in New York State who provide uncompensated help to a friend or family member.

NYSOFA Director Greg Olsen said, “National Family Caregivers Month is a time to celebrate and recognize the people in your life caring for a loved one. While each caregiver’s journey is unique, you are not alone. NYSOFA and our community partners work continuously to help caregivers understand the importance of their work and support them, including in-person support as well as tools to relieve caregiver stress, find resources, learn evidence-based best practices, and feel empowered.”

More than half of unpaid caregivers do not self-identify in this role. They are family members, friends, or neighbors who provide unpaid care and support to someone else, such as a spouse, an older parent, children, or someone with chronic or other medical conditions.

NYSOFA works on multiple levels to raise awareness of unpaid caregiving while offering programs for individuals of all ages who provide this care for someone else, including many digital resources and supports.

In New York State, every year, more than four million caregivers provide direct and indirect care to assist a relative, friend, or neighbor, regardless of age. Understandably, caregiving can take a toll on a caregiver’s physical and mental health. NYSOFA has partnered with ARCHANGELS on an Any Care Counts NY campaign that uses a Caregiver Intensity Index (CII) for measuring caregiver intensity. The CII is being used statewide by Area Agencies on Aging (AAAs) for caregiver assessments, revealing that more than 30 percent of caregivers are “in the red,” meaning they are experiencing the most severe caregiving burden or are in crisis, and more than half are still working. Learn more and get your score using the CII here.

Self-Identifying as a Caregiver

To help caregivers self-identify, NYSOFA has developed a Caregivers Guide Video that summarizes the many services and supports available to caregivers in New York State.

Aging Services Programs to Help Caregivers

Area Agencies on Aging in New York State deliver more than 20 core services to help older adults age in place. These programs help caregivers by meeting older adults’ social, assistive, and other community-based needs, thus relieving caregiver intensity. These services and supports include transportation, nutrition programs (home-delivered and congregate meals), personal care, legal services, social programs (including friendly calls or visiting programs), and more. To learn more about these programs, visit NYSOFA’s website or contact NY Connects at 1-800-342-9871. NYSOFA and the aging services network also provide support directly to caregivers, such as respite programs.

Resources
New York’s Caregiver Portal, powered by Trualta: NYSOFA offers a New York Caregiver Portal that is available free of charge to any of the 4.1 million people who provide unpaid care to another individual. This evidence-based caregiver training and support platform helps families build skills to manage care at home for loved ones of any age. It also connects to local resources and support services by delivering personalized education, training, and information links.
Working Caregiver Initiative: NYSOFA, the New York State Department of Labor (NYSDOL), and partner agencies have launched the Working Caregivers Initiative to address the unique stresses experienced by individuals who are balancing work with a caregiving role for family, friends, or neighbors. As part of this initiative, NYSOFA asks New Yorkers to complete a statewide survey to assess specific challenges faced by individuals in this role. NYSOFA and NYSDOL also offer a Caregivers in the Workplace Guide, providing tips and resources for employers to help support working caregivers.
GetSetUp Online Communities for Caregiver Support: New Yorkers age 60 and older can connect with GetSetUp’s peer-led online classes, gaining skills in caregiving, technology, health and wellness, financial literacy, and more. To explore GetSetUp’s offerings and classes, free for older New Yorkers, visit getsetup.io/nystate. View GetSetUp’s “Caring for Caregiver” classes here.

State Senator Cordell Cleare said, “November is the month to declare – blessed are the caregivers – for they give hope, dignity, compassion and love to millions of older New Yorkers. I commend the Governor and NYSOFA for their many initiatives to provide support and respite to our selfless caregivers. In 2026, I look forward to partnering on new initiatives, raised in the Master Plan on Aging, to enact a comprehensive framework that properly rewards, uplifts and enriches our noble caregivers.”

Assemblymember Rebecca A. Seawright said, “As Chair of the Aging Committee, I applaud Governor Hochul for recognizing New York’s unpaid caregivers. Millions of New Yorkers provide vital care to loved ones, often facing health challenges, financial strain, and workplace disruptions. One in five report poor health, half experience financial hardship, and caregivers spend an average of $7,200 out-of-pocket each year. New York’s Office for the Aging offers programs and resources to help caregivers manage these challenges, and we honor their dedication this National Family Caregivers Month.”

Association on Aging in New York (AgingNY) Executive Director Becky Preve said, “Caregiving is an often unrecognized and undervalued endeavor that impacts millions of individuals in New York. During National Family Caregivers Month, we applaud those in caregiving roles and underscore the dedication of the aging services network in providing support and resources to all caregivers. New York State continues to provide a variety of programs, services, and supports free of charge to assist those in such a meaningful journey.”ARCHANGELS CEO Alexandra Drane said, “Unpaid caregivers aren’t worrying about themselves, and that’s why we work so hard to connect with them. They’re laser-focused on holding everyone else up — at home, in their communities, and at work. And all that care can be intense. More than one-third of New Yorkers are actually ‘in the red’ — the highest level of intensity — with 90 percent experiencing mental health impacts due to caregiving. The good news? Any Care Counts New York has not only connected with tens of thousands of New Yorkers, but our efforts have matched more than 25 percent of these caregivers to resources like Area Agencies on Aging and other partnerships in New York that provide tools for older adults and families to further connect. As a result, close to 30 percent of caregivers who start off ‘in the red’ get out of the red with this support. That’s good for the state, and it’s even better for the families that can take a breath, knowing that help is within reach. Get your score. Help someone else get theirs today.”
Trualta CEO Jonathan Davis said, “Every day, millions of New Yorkers quietly show up for the people they love. These caregivers are the foundation of our communities, yet so many face their role alone. Our collaboration with New York State helps change that by giving caregivers easy access to education and support tailored to their real-world challenges. This month, we’re shining a light on the vital contributions of these caregivers across New York.”

GetSetUp President Lawrence Kosick said, “At GetSetUp, we know that caregivers are the unsung heroes holding our communities together. They give so much of themselves to care for others, often without recognition or support. Through our partnership with New York State, we’re proud to provide caregivers with access to peer-led classes that reduce isolation, build confidence, educate on caregiving resources, and offer tools for self-care and digital connection. New Yorkers have already benefited from over one million class attendances on our platform.”

With Virtual Platform, New York State Office for the Aging and GetSetUp Offer ‘Winter Wellness’ Initiative to Empower Older Adults

Online community helps older New Yorkers stay connected, active, and empowered during the cold months and holiday season.

Over half a million New Yorkers have attended over 877,000 classes since 2021, through NYSOFA-GetSetUp Partnership


As winter approaches, the New York State Office for the Aging (NYSOFA) is reminding older New Yorkers about its partnership with GetSetUp, an online platform offering wellness, educational, and social engagement opportunities designed specifically for older adults. This collaboration supports New Yorkers over 65 by helping them stay connected, digitally empowered, and physically and mentally healthy throughout the challenging winter season.

NYSOFA Director Greg Olsen said, “Loneliness and isolation can have devastating effects on mental and physical health, particularly for older adults. NYSOFA is committed to combating social isolation through programs, services, and public-private partnerships. GetSetUp provides older New Yorkers with a way to stay connected and engaged with others from home, which is especially important during winter. This partnership continues to grow in popularity, reaching over half a million older adults to date, all seeking opportunities to connect and explore, improve their health and well-being, and learn.”

President and Co-Founder of GetSetUp Lawrence Kosick said, “Our goal at GetSetUp is to ensure that older adults across New York have access to meaningful connections and learning opportunities year-round. Winter can feel isolating, but through GetSetUp, older New Yorkers can stay engaged, supported, and empowered to connect with peers and learn new skills from the comfort of home with resources that promote health, well-being, and digital confidence.”

Winter Challenges and Solutions for New York’s Older Adults

In New York, where 3.2 million residents are over the age of 65, winter can be isolating and challenging, especially for the 25% of older New Yorkers who live alone. NYSOFA recognizes the impact that winter isolation can have on mental, emotional, and physical health and the need for inclusive solutions to help older adults maintain community ties, stay active, and access resources from the comfort of home. GetSetUp offers a robust array of classes that address these issues, giving older adults opportunities to learn new skills, stay active, and engage socially. 

Explore GetSetUp’s Winter-Friendly Programs

  • Spend the Holidays with GetSetUp—No matter what you celebrate, GetSetUp’s special holiday series offers classes on cooking, planning, and celebrating the holiday season. Connect with learners from around the world and discover how different cultures celebrate with practical tips for holiday prep.
  • Ageless Fitness – Join a journey of wellness that blends physical activity with gratitude-inspired mindfulness, helping older adults maintain physical vitality and mental calm during the colder months.
  • Creativity for Wellness – This arts-focused series offers a joyful exploration of creative expression, with activities like crafting, festive cooking, and musical sessions that bring seasonal warmth and connection.
  • FinanceWise – A timely series that offers guidance on how to give back financially, manage savings, and find discounts that are perfect for the holiday season.

Additionally, GetSetUp is hosting special classes aligned with health awareness themes, including sessions for Diabetes AwarenessAlzheimer’s Awareness, and National Family Caregivers Month. These classes offer valuable information and support for managing chronic conditions, maintaining cognitive health, and assisting family caregivers.

NYSOFA’s aging services network provides 20+ core services and supports annually to 1.3 million older adults. Many of these long-established programs and services are aimed at combating social isolation. They include senior center programming, social adult day care, home-delivered meals and congregate meals, volunteer opportunities, friendly visiting or friendly call programs, and in-home support. Contact your local office for the aging to learn more. Furthermore, NYSOFA has invested in several initiatives leveraging technology and digital tools to combat social isolation and provide support for caregivers. These offerings supplement direct services and support provided at the local level. Learn more by visiting https://aging.ny.gov/innovations-aging.   

To explore GetSetUp offerings and classes, visit www.getsetup.io/nystate and take a class today. 

During National Nutrition Month, NYSOFA Highlights Statewide Programs Providing 22 Million Meals to Older Adults Annually, Promoting Health and Independence

Since its inception in 1975, New York’s nutrition program has served more than 10 million older adults with over 1 billion meals, making it the largest nutrition program in the country
NYSOFA’s monthly nutrition education show, “What’s Cooking with NYSOFA,” has gained nearly two million views on YouTube and Facebook as part of state and community-level SNAP-Ed NY program for older adults

During National Nutrition Month, the New York State Office for the Aging (NYSOFA) today reminds older New Yorkers and their families of the many state and local programs available to support overall health and wellness, particularly nutritional health for individuals age 60 and over. Importantly, these nutrition programs help promote healthy aging in place, fight nutritional deficiencies and associated chronic illnesses, and curb social isolation through congregate dining, grab-and-go meal programs, and home-delivered meals.
In 2023, New York’s nutrition program – the nation’s largest – provided over 22 million meals to more than 247,000 individuals. In fact, working with local offices for the aging and partners, New York has served 1,046,508,242 meals since 1975. For general information on these nutrition services, visit https://aging.ny.gov/march-meals.
NYSOFA Director Greg Olsen said, “Food is medicine and good nutrition is not only the cornerstone of healthy aging, but it’s an important way to help prevent and manage chronic diseases. For many older adults, the home delivery of meals is a critical health and safety check, and the meal deliverer may be the only person that the older adult sees each week. These programs directly address the underlying causes of some of the most severe chronic diseases. They also provide vital connections for older adults who may otherwise experience social isolation, helping individuals maintain their independence and, in many cases, literally save lives.” 
Nutrition Programs Available to Older Adults
NYSOFA administers the state’s nutrition program for older adults in partnership with 59 county-based Area Agencies on Aging (AAAs) and their local partners. The program meets the highest national standards and utilizes the expertise of Registered Dietitians (RDs) to certify that food meets these standards, combining funding from federal, state, local government, and volunteer contributions from recipients into a single, comprehensive, statewide program.
Services are provided by AAAs and their community partners in every county of the state. Nutrition services include congregate and home-delivered meals, nutrition education and counseling, as well as referrals to additional supports and benefit programs.
Congregate meals are provided at almost 800 community dining sites throughout New York. Home-delivered meals are for individuals unable to shop and prepare meals and who don’t have assistance doing so. Anyone over 60 can access congregate meals, and those needing a meal at home have to meet eligibility criteria.
Income-based nutrition assistance is also available for older adults, including help paying for food through the Supplemental Nutrition Assistance Program (SNAP) and the Senior Farmers’ Market Nutrition Program, which provides coupons to buy locally-grown fresh fruits and vegetables at participating farmers’ markets. The average SNAP benefit for an older adult is approximately $200 per month, or $2,400 per year.
To access any of these vital programs, contact your local Office for the Aging using NYSOFA’s directory, or call the NY Connects helpline at 1-800-342-9871. You can also find further program background and application information on NYSOFA’s nutrition assistance page and our video tutorial to apply on your own.
SNAP-Ed NY Digital Programs
The statewide SNAP-Ed NY program provides nutrition education and health promotion activities for older adults to support healthy eating. NYSOFA provides SNAP-Ed programs to older adults at the statewide and regional levels in partnership with the New York State Office of Temporary and Disability Assistance. These programs are overseen by a team of Registered Dietitians and experts who specialize in nutrition for older adults.
NYSOFA’s monthly SNAP-Ed NY cooking demonstration on Facebook and YouTube features delicious, nutritious, budget-friendly meals. The program also includes information about dietary guidelines, meal planning, portion sizes, and much more for older adults. “What’s Cooking with NYSOFA” streams on Facebook and YouTube the final Friday of every month at 1 p.m. The program reached one million views on YouTube and 980,000 views on Facebook during its most recent 2022-2023 season. Read about the streaming success here.
To learn more and watch program archives, visit https://aging.ny.gov/snap-ed.
SNAP Video Tutorial
In 2022, New York State streamlined the SNAP enrollment process to make it easier for older adults to participate, including a shorter SNAP application and less frequent recertification periods (every 36 months instead of 24). To outline these important changes, NYSOFA produced a video with tips to help people complete the new application process.

In 2024, Administration for Children’s Services Keeps Children Safe, and Supports Youth and Families By Increasing Access to Child Care Vouchers, Prevention Services, and College for Youth in Foster Care, and More!

ACS Expanded Access to Child Care Assistance to 50,000 Children, Provided Supports to Thousands of Families in Need with a 500% Increase in Calls to the Support Line, Helped 53 Justice-Involved Youth Graduate, and Enhanced its OIT Infrastructure, Hiring of Frontline Staff and Facilities for Staff and Families 

New York:  As 2024 comes to a close, the Administration for Children’s Services (ACS) is highlighting the progress the agency has made to keep children safe, and families and youth supported.  ACS continues to invest in upstream strategies the connect families to much-needed resources and services outside the traditional child welfare system.  Over the past year, ACS has expanded its Family Preservation Program, launched its new School-Based Early Support prevention model, provided parents with information about their rights at the start of a child protection investigation, helped over 400 youth in foster care and the juvenile justice system go to college or receive college credits, and hired more staff to help us get the important work done.

“From day one, our administration has focused on creating a safer, more affordable New York City. In 2024, we continued to deliver on that vision and ‘Get Stuff Done’ for working-class New Yorkers,” said New York City Mayor Eric Adams. “Thanks to our extraordinary public servants, America’s safest big city got even safer this year, with overall crime down and thousands of illegal guns, mopeds, and ghost cars taken off city streets. We passed historic legislation to turn New York into a ‘City of Yes,’ shattered affordable housing records once again, and put billions of dollars back into New Yorkers’ pockets. We broke records for the most jobs and small businesses in city history and moved millions of trash bags off our sidewalks and into containers. But we know that there is even more we can do to continue to uplift working-class families. As we look to the future, our administration remains committed to keeping New Yorkers safe and making our city more affordable for the millions of New Yorkers who call our city home.”

“Over the past year, ACS has continued to develop and implement new strategies and initiatives to keep children safe, and better support families, as well as the children and youth in our care,” said ACS Commissioner Jess Dannhauser.  “Through connecting families to services before the need for child protection involvement, increasing access to child care assistance to more than 50,000 low income New Yorkers, helping more youth in our care go to college and achieve academically, and more, we are helping New York City families thrive.  As 2024 comes to an end, I want to thank the entire ACS team, and our provider network, for the work they do each and every day, and for all that we will accomplish together in 2025.”

Highlights from ACS’s 2024 accomplishments include:

Keeping Children Safe: 

Expanding the Family Preservation Program (FPP):  In the summer of 2024, ACS added additional staff and units for FPP, which is an intensive child protection and prevention model that enables children to remain safely at home, while ACS works with families to address immediate child safety concerns.  The program is citywide and there are currently 131 families receiving FPP services.  FPP helps families by accompanying families to community appointments (medical, public assistance, therapy, etc.); helping families navigate other systems such as housing and school; supporting the family as they transition to prevention services; and arranging for services such as homemaking, respite or heavy duty cleaning.

Providing families with more information at the door:  After a successful pilot in 2023, in May 2024 ACS completed the citywide rollout of providing parents with plain language information in their preferred language regarding their rights when ACS comes to their home to respond to a report of alleged abuse or neglect.  Over 1,600 ACS staff were trained and over 12,000 notifications were provided.

Training ACS and provider agency staff on how to support maternal mental health:  ACS identified a need for staff to better understand Perinatal Mood and Anxiety Disorders (PMADs) and assist pregnant and birthing people experiencing or at risk of experiencing PMADs.  Throughout 2024, ACS has focused on raising awareness on the signs and symptoms of PMADs and the appropriate referrals for those experiencing PMADs by disseminating information through our new landing page on our web site https://www.nyc.gov/site/acs/for-families/pmads.pagesharing best practices and resources at a convening, developing a resource guide for staff; and expanding ACS’s Psychiatry and Behavioral Health Unit participation in team meetings and other case conferences.

Re-training Mandated Reporters on when to call the child abuse hotline and when families can be better supported without an investigation:  Child protective investigations are traumatic to children and families, so should not be used as a way to connect families to services when children are not at risk or in danger. ACS and our sister agencies are committed to reducing the unwarranted involvement of Black and Latino families in the child welfare system. Through training and conversations with mandated reporters throughout the city, ACS is working to achieve a better balance: fewer unnecessary reports to the SCR, continued reports when necessary, and more supports accessed by families across the board. In 2024, ACS conducted or co-led 180 presentations and trainings reaching over 12,700 mandated reporters who work with children, including schools, homeless shelters, hospital staff, after-school program, and ACS providers.  

Increasing and Strengthening Supports for Families and Communities 

Connecting Thousands of Families to Services and Supports through the ACS Support Line:  Parenting is both rewarding and challenging, so it is critical that parents and caretakers in need of a helping hand know how to get it.  In 2024, ACS was intentional about marketing our Support Line, through hundreds of over 100 training sessions, tabling in communities, participating in ACS and other city agency events, as well as in social media and the press.  The Support Line can be reached at (212) 676-7667 or connect@acs.nyc.gov .  The Support Line assists families by connecting them directly to ACS Prevention Services and addressing concrete needs (such as food, beds, etc.) all without the need for a child welfare investigation.  In 2024, there was an over 500 percent increase in calls to the Support Line, with over 3,200 New York City parents and caretakers reaching out.

Launching New School-Based Early Support Prevention Model:  ACS has a nationally-recognized continuum of prevention services that served over 32,000 children from 15,000 families in 2024.  In September 2024, ACS launched its newest prevention service model, aimed at providing families with services and supports as upstream as possible, preventing involvement with child protection, while keeping children safe.  Each of the 16 new programs is working with at least three schools to help families address stressors that may impact a child’s well-being, help families in need of concrete items, and strengthen social connections within the school communities, all to help families thrive.

Expanding Access to Child Care Assistance to Thousands More Families:

As of November 2024, over 50,000 children were enrolled in child care subsidized by an ACS-issued low-income voucher, up 73 percent from the same time last year. ACS continues to target outreach to 17 community districts where poverty and unemployment are highest and child care supply is inadequate. As part of this effort, we are partnering with three community-based organizations in Northern Manhattan and the Bronx that are conducting outreach and processing applications for childcare assistance to get eligible families linked to affordable care. As of November 2024, nearly 15,000 children from these community districts were enrolled in child care with the support of a low-income voucher, representing a nearly 500 percent increase in just 2 years.   

Expanding Family Enrichment Centers (FEC) citywide: ACS is in the final stages of expanding FECs from 3 to 30 sites.  FECs are warm, inviting, family-centered spaces that focus on social connection, parental resilience, and access to resources – factors known to promote child and family well-being.  Twenty-nine of the 30 contracts have been awarded and FECs are in various stages from being open to working closely with their community to shape their individualized Centers.  The final award will be announced in early 2025.  Everything about the FECs –  including the names, the physical layout, and the offerings they provide  –are co-developed with families and community members.  

Providing parents and caretakers with the information they need to prevent accidental injuries:  Throughout 2024, ACS’s Office of Child Safety and Injury Prevention was out in communities throughout the city educating parents, caregivers, and child-serving professionals on how to put infants safely to sleep on their back, in cribs, without blankets or other clutter. Through a partnership with Health and Hospitals, we distributed over 10,000 safe sleep toolkits to new parents. The team also educated communities on the need to keep medicines, cannabis edibles and other dangerous items locked up and high up to prevent accidental ingestion and distributed more than 300 hundred lockboxes.

Enhancing Support for Youth in Foster Care and Justice-Involved Youth

Doubling the number of youth in foster care attending college and participating in College Choice:  In 2024, the ACS College Choice program – where tuition, housing and a daily living stipend are given to youth in foster care attending college – doubled from the program’s inception just two years ago. In the Fall 2024 semester, there were over 400 youth in College Choice. Students are attending schools locally, within New York and throughout the county, at both public and private institutions. College Choice students are represented at every CUNY college, attend many SUNY schools such as Stony Brook and Binghamton, can be found on other college campuses within New York, like Syracuse and Ithaca College, or studying at Vanderbilt University in Tennessee or Holy Cross College in Massachusetts. College Choice even supported a student studying abroad in Japan. In 2024, there were 35 students graduate in Spring/Summer of 24 and anticipate another 17 to graduate at the end of the Fall 2024 semester.

Achieving positive educational outcomes for youth across the juvenile justice continuum:  ACS, in partnership with New York City Public Schools’ District 79 Passages Academy, continues to see an increase in student achievements across our secure detention facilities, non-secure detention program, and Close to Home program.  The graduation rate has increased 51 percent over the past three school years, with 53 youth graduating this past year.  ACS’s investments in supplemental tutoring services helped youth achieve their academic goals.  In addition, in 2024 ACS brought college to secure detention, entering into a formal agreement with CUNY to provide college courses to young people who have graduated or are close to graduation through CUNY’s College Now program. 

Expanding Fair Futures to More Youth:  Due to critical investments by the Adams Administration, ACS has been able to expand the Fair Futures coaching model up to age 26 and to the juvenile justice continuum.  In 2024, over 4,000 youth benefited from Fair Futures coaching and/or tutoring.  Of the 2,000 young people coached for 90+ days, 92 percent achieved at least three positive outcome goals, such as reconnecting to high school, grade promotion, graduation, enrollment in college or vocational training or successfully engaging in a job or internship.

Enhancing the Ability for Staff to Get Their Work Done 

Improving our infrastructure to better support children, youth and families

For ACS and provider agency to get the work done, they must have the right tools and infrastructure.  In 2024, ACS opened a new child protection borough office on Bartow Avenue in the Bronx, which was designed to both be more family-friendly and more supportive of staff. Similar work is underway for ACS’s new Headquarters, which will be occupied in 2025.  In addition, 2024 work at the ACS Children’s Center included many enhancements to the space including a new cell phone café for youth, a visiting room, and a new Comfort Shop where children can select high quality items that bring them comfort, such as pajamas, journals, sneakers and stuffed animals.  ACS has also strengthened its IT infrastructure, encrypting sensitive data to enhance security and implementing new monitoring tools to track the health of the IT network.

Hiring Frontline Line

ACS’s frontline staff are essential to our ability to keep children safe, families supported, and ensure youth in our care receive all that they need to thrive.  ACS has enhanced recruitment and retention efforts and continue to work to supplement existing staffing levels in identified areas of need, which includes frontline child protection staff and staff in our detention centers.  In 2024, ACS hired over 500 child protection specialists; we now have nearly 1,100 active CPS handling responses to reports of abuse and neglect, compared to 900 just two years ago. The average child protection caseload of under 8 cases per specialist remains well below national of 12.  In 2024, we hired over 250 Youth Development Specialists for secure detention; we currently have 591 YDS, close to our all-time high of 596 in 2021.

Hoarding & Home Care—Physical and Mental Health Risks for Seniors

Nationwide the CDC reports that falls are the number one cause of injury for older adults, and 37% result in medical treatment or restricted activity. And most falls will occur at home. One of the number one risks in our homes? Excessive clutter or unsafe environment.

Clinicians at home and community-based health nonprofit VNS Health serve the diverse New York community, and often encounter clients who have excessive clutter in their home or suffer from hoarding disorders. Working with some of the most vulnerable, they see firsthand the physical and mental toll it can take on the patient and their family. For many, hoarding is accompanied with shame, embarrassment, or even guilt.

While 6% of older adults experience severe hoarding tendencies (compared to 2% for all age groups), there are also other diagnoses, such as dementia, anxiety or depressive disorders, where hoarding can be a side effect. As the population of adults over 60 grows, diagnoses for hoarding disorders may as well. Addressing this challenge requires a 360 approach to care, with physical and occupational therapists, nurses, social workers, and mental health experts coming together to identify the root causes behind hoarding behaviors, and come up with solutions to help people stay safe, live as independently as possible at home, and avoid rehospitalization because of a fall.
We’d like to offer you the opportunity to connect with VNS Health clinicians who can speak to the physical and mental health challenges tied to falls, and how hoarding and other behaviors can exacerbate risks.

Topics to Consider:
-Helpful tips and DIY hacks to make a home “fall-proof”

-How falls exacerbate mental health issues


-Signs a loved one has had a fall and needs professional care
-Root causes behind hoarding and excessive clutter among older adults
-How can caregivers open a conversation with a loved one who may be a hoarder?

NYC Aging Launches Citywide Survey to Assess the Needs of Older New Yorkers

Survey launched during Older Americans Month, when the country reaffirms its commitment to serving older residents.

As the model age-inclusive city, the Department for the Aging (NYC Aging), during Older American month, has launched a citywide Service Needs Assessment survey. The results will support NYC Aging and the members of the Cabinet for Older New Yorkers understand the current needs of older residents, see where gaps of service exist, and better advocate for their needs. Survey will help the city prepare for the continuing growth of older New Yorkers living in the five boroughs.

“With more older New Yorkers aging, every community will also see an increase in caregivers, like myself, looking after their loved ones,” said Deputy Mayor for Health and Human Services Anne Williams-Isom. “This survey will help us better understand the needs of caregivers so we can alleviate their stress and help them overcome the challenges they face. By focusing on their needs, we can better support New Yorkers as they age-in-place.”

“The community-care model we are implementing can only be successful if we engage directly with the people we serve, and those who do not use City or State services” said NYC Aging Commissioner Lorraine Cortés-Vázquez. “We created this survey to reach the vast number of diverse older adults who call New York City home. This will allow us to evaluate our programs and collaborate with our providers to meet their needs. I look forward to seeing the results so we can continue to build on the progress we have already made.”

With May being Older Americans Month – where the country recognizes the contributions of older adults – NYC Aging staff and our partners will be at events throughout the city encouraging residents 60 years of age or older, and their caregivers, to fill out the survey. It will also be distributed by NYC Aging service providers to encourage the residents they work with to participate. The survey is accessible on NYC Aging’s website in 10 different languages. Participants who share their contact information may be entered into a drawing and may win a $50 gift card in October.

Some of the topics covered by the survey include managing finances, transportation, meal preparation. and social isolation. To access the Service Needs Assessment survey New Yorkers can visit: on.nyc.gov/agingsurvey.

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About The Department for the Aging:

The Department for the Aging’s (NYC Aging) mission is to eliminate ageism and create a community-care approach that allows residents to continue to access the programs and resources for their physical and mental well-being. Through a network of over 400 older adult centers and naturally occurring retirement communities, support and services are provided that allow the nearly 1.8 older New Yorkers to continue living independently in their communities.

CONSUMER ALERT: NYS DIVISION OF CONSUMER PROTECTION PROVIDES TIPS TO HELP CONSUMERS NAVIGATE RETURN AND REFUND POLICIES

Discover What to Look for When Reviewing Return and Refund Policies

Laws Protect Consumers So They Can Make Informed Decisions During Holiday Shopping

Secretary Rodriguez: “The last thing you want is to purchase an item and realize you can’t return it due to a missing receipt or it is outside of the return window, so I urge New Yorkers to follow these tips to ensure you can get your money back if you change your mind about a purchase.”

Follow the New York Department of State on FacebookTwitter and Instagram for “Tuesday’s Tips” – Practical Tips to Educate and Empower New York Consumers on a Variety of Topics

For this week’s “Tuesday’s Tips”, the New York Department of State’s Division of Consumer Protection (DCP) reminds shoppers of New York State laws that protect consumers so they can make informed decisions about holiday returns. To avoid surprises, DCP recommends that consumers carefully review and understand what to look for when reviewing return and refund policies.

 

“Consumer spending during this holiday season hit an all-time high, which could mean the number of returns made will be as well,” said New York Secretary of State Robert J. Rodriguez. “The last thing you want is to purchase an item and realize you can’t return it due to a missing receipt or it is outside of the return window, so I urge New Yorkers to follow these tips to ensure you can get your money back if you change your mind about a purchase.” 

Around the holidays, gift givers and receivers often change their minds. This year’s holiday weekend from Thanksgiving Day through Cyber Monday, set record levels for consumer spending which indicates shopping is showing no signs of slowing down according to the National Retail Federation. The increase can lead to more refunds and returns this holiday season.  To help navigate the busy shopping season, DCP offers the following tips:

  • Pay Attention to Return Policies: New York State law requires that retailers post their return and refund policies clearly to inform consumers before the transaction is completed. Retailers must provide a written copy of the store’s return policy when requested.

New York State Law does not require retailers to accept returns, however, they must post a conspicuous notice visible to consumers before the point of sale advising that no returns will be accepted.

If the retailer does not post a return policy, the law requires the retailer to accept returns of unused, undamaged merchandise within 30 days of the purchase date. The returned item must include a proof of purchase and the refund must be in the form of cash or credit based on the customer’s preference.

  • Understand the Refund Terms: For retailers that allow returns, New York State law does not require refunds to be given in any specific manner. However, it does require the form of the refund – cash, credit, or exchange – be clearly disclosed in advance of purchase. Retailers must also disclose any fees associated with the return. If no fee is listed, customers should inquire whether the store imposes a re-stocking fee for returned merchandise and determine prior to purchase if the item can be returned for a refund or only store credit.
  • Retain Any Proofs of Purchase: Consumers should hold on to receipts in the event a product needs to be returned. If purchasing gifts, ask if a gift receipt is available. 

Consumers having difficulty obtaining a refund are encouraged to file a complaint with the New York State Division of Consumer Protection.

 

Follow the New York Department of State on FacebookTwitter and Instagram and check in every Tuesday for more practical tips that educate and empower New York consumers on a variety of topics. Sign up to receive consumer alerts directly to your email or phone here.

 

The New York State Division of Consumer Protection provides resources and education materials to consumers on product safety, as well as voluntary mediation services between consumers and businesses. The Consumer Assistance Helpline 1-800-697-1220 is available Monday to Friday from 8:30am to 4:30pm, excluding State Holidays, and consumer complaints can be filed at any time at www.dos.ny.gov/consumer-protection.

 

For more consumer protection tips, follow the Division on social media at Twitter: @NYSConsumer and Facebook: www.facebook.com/nysconsumer.

CONSUMER ALERT: New York Department of State’s Division of Consumer Protection Provides Tips to Save on Entertainment and Recreation Costs

Part Three of Five-Part Consumer Alert Series to Help New Yorkers Save Money 

Follow the New York Department of State on FacebookTwitter and Instagram for “Tuesday’s Tips” – Practical Tips to Educate and Empower New York Consumers on a Variety of Topics 

Secretary Robert J. Rodriguez: “There are countless free and affordable entertainment opportunities in our State, and these creative tips show New Yorkers that you can cut down on spending while still having a good time.”

For this week’s “Tuesday’s Tips,” the Department of State’s Division of Consumer Protection (DCP) is providing tips to help consumers reduce spending on entertainment and recreation costs. These tips are part three of DCP’s five-part consumer alert series to help New Yorkers save money amidst inflation and rising costs. Follow the New York Department of State on FacebookTwitter and Instagram and check in every Tuesday for more practical tips that educate and empower New York consumers on a variety of topics. Sign up to receive consumer alerts directly to your email or phone here.

“When saving money and sticking to a budget, entertainment expenses are typically one of the first places consumers look to cut back,” said Secretary of State Robert J. Rodriguez, who oversees the Division of Consumer Protection. “There are countless free and affordable entertainment opportunities in our State, and these creative tips show New Yorkers that you can cut down on spending while still having a good time.”

New York State has many opportunities for free entertainment. Explore things to do throughout New York State with the I LOVE NY website, or download the mobile app for great activity ideas, including special sections dedicated to Winter in New York and celebrating Black History Month!

Check with your community for free events. Many counties, cities, towns and villages offer community movie nights, music in the park, recreation programs or other seasonal free community events.

Check out the New York State Fair – the first fair in the nation. Every year, New Yorkers come together to experience an affordable, 13-day celebration of delicious food, eye-opening agriculture exhibits, strolling performers, concerts and great family fun. The event also showcases thousands of animals and dozens of big-name entertainers. The 2023 Great New York State Fair kicks off Wednesday, August 23 and continues through Labor Day, Monday, September 4. Admission tickets are $6 for adults, and children (13 years old and younger) and senior citizens (adults 65 years and older) are admitted for free every day. Plus, there are also free days for special groups on select days.  

Find a local county fair or food festival near you. All over New York State, you will find numerous local events that offer a variety of fun filled activities – packed with amazing food, rides, parades, live entertainment, crafts and more! Enjoy a day filled with amazing attractions that won’t break the bank.

Connect to nature. Visit any of the 250 New York State Parks, historic sites, recreational trails and boat launches, or the millions of acres of public lands managed by the Department of Environmental Conservation that offer a variety of entertainment opportunities for all ages and interests. There are plenty of outdoor activities all year round (hiking, camping, boating, birding, etc.), nature centers, programs for the kids and more!

Visit museums. New York State has some of the world’s most iconic museums. Some museums offer free admission every day or on specific days. Some also offer events, festivals and concert series that are free in the summer or throughout the year.

Check out the library. Libraries offer a wealth of items that New Yorkers can borrow, ranging from movies, music and videogames to free or discounted entrance passes to local museums and attractions. Additionally, there are often free events held at libraries, including workshops, computer classes and more. New Yorkers can also get free access to LinkedIn Learning (formerly Lynda.com) with a NY Public Library account, which offers thousands of online educational courses and tutorials taught by industry experts in software, creative and business skills.

Enjoy your next vacation camping. New York’s 118 state campgrounds offer the perfect spot for a family getaway or reconnecting with friends. Located among some of the most breathtaking settings in North America, NYS campgrounds are an affordable vacation option for campers seeking variety, value and a place to create special memories that last a lifetime.  

DEC Commissioner Basil Seggos said, “DEC invites New Yorkers of all ages, abilities, and backgrounds to experience nature and the outdoors on our shared state lands. With five million acres across the state that include campgrounds and education centers, wildlife management areas, state forests, boat launches and fishing sites,  DEC lands, waters, and facilities offer everyone the opportunity to relax, rejuvenate, and recreate.”

New York State Parks, Recreation and Historic Preservation Commissioner Erik Kulleseid said, “With more than 250 state parks, historic sites, trails, and boat launches, New York State has something for everyone, and most are near where you live. We encourage you to visit all there is to offer during any season – whether taking a simple stroll, hiking, camping, boating, visiting a playground or learning how New York has shaped our historic landscape. You’ll find these excursions to be rewarding and cost-effective for you and your family and we know you’ll keep coming back.”

Empire State Development Vice President and Executive Director of Tourism Ross D. Levi said, “There are so many great ways to explore and experience fun and family-friendly attractions across the Empire State. For New Yorkers, many opportunities exist in their own backyards, and iloveny.com can help to choose a great day trip, or plan a getaway down the road. No matter your budget, there’s so much to love in New York State.”

Interim Fair Director Sean Hennessey said, “Food, farming, family and fun – the Great New York State has got it all,” said. “We can’t wait to celebrate the best in New York State food, beverage, agriculture and entertainment this summer, and we hope New Yorkers will reserve some time between August 23 and September 4 to join us!”

Senior News

Is a 55+ community right for you?

BYLINE: By Matilda Charles

Is a 55+ community right for you?
The first thought we have about those over 55 communities is sure, others will be like us, our every need and want will be taken care of.
But is that always true?
There is, of course, a long list of good things about living in a seniors community. In most cases there will be activities with lots of social opportunities. Depending on the community, there might be a pool, a golf course and tennis courts, a fitness center with classes, scheduled activities, excursions and trips.
For the most part, homes in these communities are smaller since many of us will be downsizing anyway and outdoor maintenance and yardwork will be done by others.
Sounds great, right?
There is another side, though, to the 55+ communities, and some of the negatives are fairly significant.
Variety in social opportunities may be very limited. After all, everyone there will be our age with few opportunities to interact with younger people. If your family situation changes and you need to move your child and grandchildren in with you, it likely won’t be possible in a 55+ community, and even visits will probably have a time limit. And there’s the issue of inheritance: If you want to leave your home to a child in your will, they couldn’t live there.
If you ever decide to sell, your target buyer pool will be limited to other 55+ seniors. Even renting, if that’s allowed in the community, will be limited to senior occupants.
Then there are the high fees to cover all the amenities, HOA and taxes — expenses that can go up at any time. Even in the beginning, your monthly costs could be in the thousands of dollars.
Before buying into a 55+ community, get advice — a lot of it. Ask questions, get feedback, visit a potential community more than once and talk to people who live there, if possible.

Fitness is a Lifeline, Not a Luxury: Why Movement Matters for Aging New Yorkers

By Joanne Orlando 

We’re living longer than ever before, and seniors are New York City’s fastest growing population. One in five New Yorkers are over the age of 60, reshaping how we think about health, mobility, and independence. 

However, this longevity is a double-edged sword, carrying with it more complex and chronic health conditions, meaning while we’ve living longer, we’re also sicker and frailer. 

That’s why we must prioritize fitness programming that supports at-risk seniors — especially those recovering after being discharged from the hospital and rehab units.  

As the Baby Boomer generation eases into their senior years, they overwhelmingly prefer to “age in place,” remaining at home and in their communities. But this requires real investment in home-based wellness resources. Recovery doesn’t end when older adults leave the hospital but is rather the start of a vulnerable period.  

Nearly 20% of patients experience an adverse event such as a fall, infection, or medication error within three weeks of discharge. This can lead to a cascade of setbacks: ER visits, rehospitalizations, and even permanent loss of mobility. Those with multiple chronic conditions face higher risks, and “post-hospitalization syndrome” characterized by increased weakness and stress can make recovery harder. 

With May serving as National Physical Fitness and Sports Month, it’s a timely reminder that movement matters – and that for older adults, regular physical activity is essential for preventing falls and maintaining overall health. 

Yet access to physical and occupational therapy designed to prevent rehospitalization remains a barrier for many, and written home regimens can be confusing, inaccessible, or ineffective without guidance. 

Fitness and exercise regimens don’t need to be complex – just achievable and consistent through baby steps. 

As part of our programming provided through ElderServe Health, which provides home care aides to over 20,000 New Yorkers through Medicaid-funded Managed Long Term Care (MLTC) Plans, we’re always thinking of ways to boost at-home fitness. 

It’s not easy – and let’s face it: It can be tough to get motivated even when you’re in the best of health. But we’ve found that guided exercise classes allow our members to follow along with their occupational and physical therapists and have been beneficial in promoting mobility, strengthening recovery, and reducing the risk of ER visits and hospitalizations. 

However, just one program alone is not enough.  

Policymakers must recognize the critical role that MLTC programs play in delivering comprehensive, community-based care that helps New Yorkers age in place. As the city’s senior population grows, so does the urgency to protect and strengthen the essential services that older New Yorkers rely on. 

We’re also watching closely how Mayor Adams’ proposed executive budget will address senior wellness. The City Council has proposed key restorations to health and aging programs, but gaps remain. Advocates say the $550 million allocated to the NYC Department of Aging represents less than half of 1% of the overall $112.4 billion budget and won’t keep pace with a rapidly growing older population.  

It is critical for the city to follow through with targeted investments in physical fitness, community rehab, and culturally accessible health programs for older New Yorkers.  

Fitness is a lifeline that more and more New Yorkers will depend on in the years ahead. This National Physical Fitness and Sports Month, let’s commit to building a city where every older adult, regardless of income or borough, has the tools they need to move, thrive, and age with strength and independence.  — Joanne Orlando serves as the vice president of rehabilitation services at the Bronx-based ElderServe Health, a Managed Long Term Care provider serving the New York City metro area 

Governor Hochul’s Budget Advances Historic Investments in NYSOFA Services and Priorities for Older Adults Governor Hochul proposes largest investment in aging services in New York State history

The New York State Office for the Aging (NYSOFA) today highlighted key supports for older adults in Governor Hochul’s Fiscal Year 2026 Executive State Budget, which advances historic investments in NYSOFA community programs and services. The budget also proposes bold affordability and public-safety measures that deliver for older New Yorkers and families across state agencies and services.

NYSOFA Director Greg Olsen said, “Older adults bring enormous economic and social value to their families, their communities, and the economy. Governor Hochul recognizes these vital contributions with a fiscal plan that promotes opportunity and economic security for older New Yorkers, caregivers, and families alike. This budget provides critical supports to help older New Yorkers age in their communities of choice and support those who care for them with direct services.”

According to NYSOFA, individuals over age 50:

Represent 36% of the state’s population yet contribute 43% ($719 billion) to the state’s GDP. Spending by this population supports almost 6 million jobs.

Generate $482 billion in wages and salary.

Contribute $72 billion (41%) in state and local taxes.
Older adults’ pension and Social Security income infuse $99.5 billion into New York’s economy. Individuals 55 and older also have high rates of volunteerism, generating an economic value of $13.2 billion annually. (See additional data on NYSOFA’s website.)

FY26 Budget Proposals Supporting Older Adults, Their Families and Caregivers

The budget proposals and recently announced State of the State agenda include the largest investment in community-based aging services in New York State history. The budget adds $45 million through NYSOFA for older New Yorkers across the state awaiting services (also known as “unmet need”). This brings total funding to $68 million in FY26, up from $33 million last year, for a total of $200 million invested for this purpose since 2019.

Based on currently reported local needs and projections, the additional $45 million would include the following funding increases for aging services in each Regional Economic Development Council (REDC) region of New York, including locally determined needs for services like personal care, case management, nutrition, and other supports.

REDC Region

Western New York

Allegany, Cattaraugus, Chautauqua, Erie, Niagara

$5,473,177

Finger Lakes

Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Wayne, Wyoming, Yates

$3,196,078

Southern Tier

Broome, Chemung, Chenango, Delaware, Schuyler, Steuben, Tioga, Tompkins

$4,204,735

Central New York

Cayuga, Cortland, Madison, Onondaga, Oswego

$1,990,417

Mohawk Valley

Fulton, Herkimer, Montgomery, Oneida, Otsego, Schoharie

$2,381,987

North Country

Clinton, Essex, Franklin, Hamilton, Jefferson, Lewis, St. Lawrence

$6,619,444

Capital Region

Albany, Columbia, Greene, Rensselaer, Saratoga, Schenectady, Warren, Washington

$2,793,164

Mid-Hudson

Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, Westchester

$8,161,657

New York City

$5,953,080

Long Island

Nassau, Suffolk

$4,794,996


The Governor’s budget also includes the following additional investments and programs to support older New Yorkers across agencies:

$6.19 million for the Long Term Care Ombudsman Program (LTCOP), maintaining last year’s funding increases. LTCOP serves as an advocate for residents and their families in nursing homes and other facilities.

Middle class tax cuts for joint filers up to $323,000 per year, putting more money back into the pockets of older adults, particularly those on fixed incomes.

Inflation rebates – to help address the cost of living for older adults and families by providing a payment of $300 to single taxpayers who make up to $150,000 per year, and a payment of $500 for joint tax filers making up to $300,000 per year.

Expansion of the Child Tax Credit – to put additional money in the pockets of over 300,000 grandparents who are the primary caregivers of their grandkids.

Efforts to restore the SALT (state and local taxes) deduction at the federal level, saving older homeowners from rising property taxes.

Recreation Infrastructure – grant programs to enhance community centers for promoting physical health, mental well-being, and community connections for people of all ages.

Expanded victim support services – to increase compensation for scam victims.

Strengthening drugged driving laws and lowering speed limits in NYC bike lanes – to improve pedestrian safety and make for safer streets. In New York state, there were 14,099 pedestrian crashes in 2022, with 324 fatalities and 13,547 injured, according to state data. Children and older adults are primarily impacted.

Investments in agriculture – to strengthen the supply chain and access to New York products. The majority of farmers are over age 55 and the statewide average age is 57.

Expand enforcement of wage theft laws, which will put more money in the pockets of workers of all ages.

Extending the NY HELPS (NY Hiring for Emergency Limited Placement Statewide) Program, which provides opportunities for skilled older adults to join the New York State workforce.

Increasing access to government services, including benefits such as the Supplemental Nutrition Assistance Program (SNAP), which helps older adults apply for and receive healthy food assistance, recognizing that food is medicine.

Innovative approaches to homebuilding such as factory-built and modular homes that are less expensive and provide older adults an opportunity to downsize, if they choose to, and open more housing stock for larger families.

Banning investors from buying homes for 75 days – providing an opportunity for people of all ages to identify a suitable home and not have it taken by large investors for cash.

Pro-Housing Community Program technical assistance and redevelopment of abandoned property – working with counties and municipalities to change their planning and zoning and redevelop vacant/abandoned buildings, which will increase housing stock and lower costs for older adults looking to downsize.

Banning rent price fixing – to lower the cost of rent for older adults and families.

Enhance subway safety so older adults can travel on subways without fear.

Invest in statewide transit, assisting many older adults who no longer drive but still need to be connected to their communities.

Consumer protections, such as longer timeframes to return products, a proposal to make it easier for consumers to cancel their subscriptions and combating financial exploitation of older adults. Financial exploitation costs older adults $28 billion annually in the U.S., according to AARP.

Mental health access – to hold insurance companies accountable for coverage, increasing access for older adults, and creating intergenerational community-wellness (following models that responded to community needs in the aftermath of the Tops Supermarket shooting in Buffalo).

Older adults on Medicaid – Increasing access to obesity drugs, which will improve older adults’ overall health, including the risk of cardiovascular disease; expanding access to community emergency services; expanding access to dental care; increased oversight of investors in health facility ownership (which has an impact on access, quality and affordability in hospitals and nursing homes); expanding access to air conditioners for individuals with chronic conditions; reducing health disparities; reducing the cost of prescription drugs; and increasing access to wheelchairs for older adults with disabilities.

Enhancing Veterans suicide prevention – which will assist older adults, who make up 70% of the state’s Veteran population, while also addressing specific risk areas like the growing incidence of firearm-related suicides among older men.

Expanding support for homeowners and businesses due to severe weather events – which will help older homeowners with urgent repairs and older businessowners to recover from weather-related damages.

Investing in clean water – improving the health of New Yorkers of all ages.

Expanding access to open space – for New Yorkers of all ages to get outside, exercise, socialize and connect.

Becky Preve, Executive Director of the Association on Aging in New York, said, “On behalf of New York’s 59 Area Agencies on Aging and their community-based partners, we applaud Governor Hochul for recognizing the value of older New Yorkers and the value of our network of caring professionals. This historic investment will support services that directly impact the lives of older New Yorkers and caregivers. We look forward to continuing to work with Governor Hochul and members of the Legislature to build upon these investments.”

Stephen J. Acquario, Esq., Executive Director of the New York State Association of Counties, said, “It is crucial that our public policies prioritize the well-being of older adults. By investing in comprehensive services and support systems, we can ensure that older New Yorkers lead healthy, dignified, and fulfilling lives. We commend Governor Hochul for her ongoing commitment to addressing the needs of older adults.”

Beth Finkel, AARP New York State Director, said, “AARP New York commends the leadership of Governor Hochul for proposing an unprecedented amount of funding to ensure those waiting for aging services get the help they need. The additional resources will also help those family caregivers who are struggling to piece together care every day to keep their older loved ones at home as long as possible. We look forward to working with the Governor and the Legislature to make sure that funding for these vital aging services is included in the final state budget.”

NYSOFA, AgingNY and Discover Live Expand Access to Interactive, Virtual World Tour Experiences for Thousands of Older Adults in New York State

Live virtual tours support physical wellness, social connections, and brain health; see Spectrum News coverage for live tour in action

The New York State Office for the Aging (NYSOFA) and Association on Aging in New York (AgingNY) are expanding their partnership with Discover Live to offer interactive, immersive, virtual tours from around the world for older adults, supporting physical wellness, social connections, and brain health.

To date, NYSOFA, AgingNY and Discover Live have already provided 734 virtual tours to 11,010 older adult attendees at 51 host sites across New York State. The availability of tours is being expanded to an additional 51 host sites, doubling this offering to thousands more older adults. Host locations include senior centers, congregate meal sites, and Naturally Occurring Retirement Communities (NORCs), among other community spaces where older adults already participate in social-engagement programming.

Tours to date have included: Bahia, Brazil; Washington, DC; Croatia; Banff, Canada; Hawaii; Assisi, Italy; Gdansk, Poland; Buenos Aires, Argentina; Dublin, Ireland; Mexico City; Lisbon, Portugal; and so many more.

New York State Office for the Aging Director Greg Olsen said, “There are many reasons that older adults don’t or can’t travel. This includes fear of falls, finances, fear of covid, and having no one to travel with. This partnership accomplishes many things. It increases friendships and combats loneliness by organizing groups to meet up to five times per month, traveling to more than 200 locations across the globe. This experience allows people to learn about various cultures, traditions, and, even for many, to virtually visit where their ancestors came from. We are so pleased to expand this partnership to another 51 host sites across New York State.”

Association on Aging in New York (AgingNY) Executive Director Becky Preve said, “The ability for older individuals to participate in live, interactive, and safe travel across the globe via Discover Live has been inspirational. This program breaks down many of the barriers faced by older individuals that limit the ability to travel abroad, and allow this travel virtually, in real time. The Association on Aging in New York applauds this partnership that is showing incredible outcomes for individuals who participate. We are thrilled to see this expansion.”

Jason Wei, Founder and CEO of Discover Live, said, “The expansion of our partnership with NYSOFA and AgingNY represents a milestone in our mission to foster connections and discovery for older adults. Our commitment to innovation has led us to develop tours that not only achieve exceptional satisfaction rates, but also holistically address five dimensions of wellness. We’ve purposefully built in brain exercises, incorporated multilingual capabilities, and designed specialized tours for those with visual impairments. The introduction of Adora, our AI travel concierge, further enhances the personalized nature of each tour. Together with NYSOFA and AgingNY, we’re proving that geographic boundaries need not limit lifelong learning, social connection and world exploration for older adults.”

Since 2017, Discover Live has utilized live HD video – through platforms like Zoom – to connect older adults with expert tour guides from around the world. The guides are live and on-location, engaging and interacting with participants who enjoy these immersive experiences. To date, the NYSOFA and AgingNY partnership with Discover Live has brought older adults to five continents, 67 cities and 25 countries.

NYSOFA’s work with Discover Live is among more than 20 public-private partnerships with leading technology innovators, transforming the field of aging services, addressing social determinants of health, and connecting older adults.

Combating social isolation and improving overall health and wellness have been a cornerstone of the aging services network for decades. Eye-opening data on the health impact of social isolation led NYSOFA to begin establishing a series of public-private partnerships, recognizing the many technological tools that now exist to fill in service gaps, enhance services, and address workforce shortages. According to AARP and the U.S. Centers for Medicare and Medicaid Services (CMS), loneliness and isolation are equivalent to smoking almost a pack of cigarettes per day, cost Medicare more than $7 billion to treat, make chronic conditions worse, increase mortality, depression and anxiety, and increase the risk of developing dementia.

CONSUMER ALERT: New York Department of State’s Division of Consumer Protection Warns Consumers to Be Cautious of Charity Scams

Giving Tuesday is December 3rd, Marking the Beginning of the Season of Charitable Giving

Follow These Tips to Donate Wisely and Avoid Charity Scams

Secretary Mosley: “Make sure to follow our tips and use our Division of Consumer Protection’s website and Consumer Assistance Helpline as go-to resources so you can prevent your donation money from falling into the wrong hands.”

In advance of Giving Tuesday, the New York Department of State’s Division of Consumer Protection is warning consumers to be cautious of charity scams. Charity scams can happen at any time, but they are often more prevalent during the holiday season when donors are moved by both generosity and the end-of-year deadline for securing tax deductions. On many occasions, these fraudsters pretend to be affiliated with well-known organizations or even the government to scam people out of their hard-earned money. According to the Federal Trade Commission, there were 9,809 reports of charitable solicitation fraud nationwide in 2023, but many of these scams go unreported because individuals may not know where their donations are going or that they are being scammed.

“The holiday season is here, and many New Yorkers are looking for ways to donate to their favorite causes through charitable organizations,” said Secretary of State Walter T. Mosley. “While the holidays are a time for kindness and giving, scammers may also see this time as an opportunity to exploit the generosity of others. Make sure to follow our tips and use our Division of Consumer Protection’s website and Consumer Assistance Helpline as go-to resources so you can prevent your donation money from falling into the wrong hands.”

Consumers should take the following precautions before donating:

  • Check the legitimacy of the charitable organization: Charities located or engaging in substantial fundraising in New York State should be listed on the New York State Attorney General’s database of registered charities. Research before you donate to verify registration by checking the database and other websites such as bbb.orgwww.give.org and www.guidestar.org, in addition to visiting the charity’s website. If donating toward relief efforts, visit a site such as disasterphilanthropy.org to ensure your donation is going to help those in need.
  • Learn to detect a phony charity: Some scammers will create fake “charities” and try to trick you with names similar to well-known charities. Pay attention to the charity’s full name, web address, contact information, donation policies, etc. Scammers may copy or mimic the name of a familiar, trusted organization to swindle you.
  • Designate your donation: Ask how your donation will be allocated between direct services and administrative fees. Unless you designate a specific purpose for your donation, it will go into the organization’s general fund, so make sure to note if you are sending money for a specific purpose (i.e.: “Playground Fund”).
  • Be cautious of third-party fundraisers: If a solicitation comes from a third-party company, the charitable organization will receive only a percentage of your donation. If you want to ensure the charity receives the whole amount, donate directly to the charity instead. For more information, access the New York State Attorney General’s website and review the annual “Pennies for Charity” report.
  • Pay attention to vague claims: Be on alert for claims without any clear plan, such as “all proceeds go to cancer treatments” or “donations go to veterans who can no longer work.” Instead do some research on the charity before you decide.
  • Resist high-pressure tactics: Charity fraud scams can come in many forms, whether by email, social media, crowdfunding platforms, cold calls, etc. Watch out for direct e-mails from “victims” and solicitors who employ heart-wrenching stories, insisting that you donate immediately. It is highly recommended to never provide personal information to unsolicited telemarketers, but instead ask the caller to provide you with the full name of the charitable organization, website address and contact information to research and verify.
  • Find out who’s behind the crowdfunding request: Online crowdfunding websites like GoFundMe, Indiegogo and Crowdrise make it easy for people to create crowdfunding campaigns. To protect yourself, remember to only give to people you know directly. It’s also important to understand the crowdfunding site’s rules, policies and vetting procedures. It can be helpful to know these ahead of time to determine how they are protecting consumers from potential fraud.
  • Never disclose personal information: Do not provide any personal information such as your credit card number, Social Security number or any other personal identifying information in response to an unsolicited charitable request.
  • Never give cash: Give your contribution by check or credit card to ensure that you have a record of the donation. Make checks out to the charity, not to an individual. If you choose to make a donation via a charity’s website, check that the website is secure and that your computer is equipped with the latest anti-virus protection. Check for the padlock to the left of the URL search bar to ensure the site is secure. Do not send funds to anyone asking for bitcoin or cryptocurrency as these payments typically have no protections against fraud.
  • Don’t mail checks from public collection boxes: According to the US Financial Crimes Enforcement Network, the number of check fraud crimes nationwide has increased since 2020. To avoid this fraud, go directly to the post office to deposit mail. If you need to use a public U.S. Postal Service collection box, try to do so before the last pickup of the day to minimize the amount of time the check spends in the box.
  • Double check before you deduct: Donations made to individuals or organizations that are not tax-exempt are not deductible. To find out if a donation will be tax deductible, research an organization’s tax-exempt status at the Internal Revenue Service Tax Exempt Organization Search. Request a receipt and track the status of your donation.

During National Family Caregivers Month NYSOFA Announces New Offerings for Family Caregivers Using Free NYS Online Support Portal

Highlights include sitewide Spanish language translations, new community chat rooms, mental health content, caregiving for kids with complex needs

During National Family Caregivers Month, the New York State Office for the Aging (NYSOFA) today announced several new offerings for subscribers of New York’s Caregiving Portal – a powerful resource that is available free of charge for any person in New York State providing unpaid caregiving supports to a family member or friend. New offerings include sitewide Spanish language translations, community chat rooms, mental health content, and tools to help caregivers of children with complex needs.

The New York Caregiving Portal is made possible through a partnership of NYSOFA, the Association on Aging in New York (AgingNY), and Trualta, which developed and operates the portal. Funding support was provided in the Fiscal Year 2024 state budget.

The New York Caregiving Portal helps families build skills to manage care at home for loved ones of any age. It also connects to local resources and support services by delivering personalized education, training, and information links.

New Yorkers can access the service at https://newyork-caregivers.com. To create a free user account, select “Sign Up.” Once registered, caregivers can select personalized training and track their progress on topics like self-care, stroke recovery, dementia care, medication management, and more. Users can log-in from any computer, tablet, or smartphone.

Some new highlights include: 

  • Site-wide Spanish translations. While audio and PDF translations were previously available throughout the platform, a new site-wide toggle provides a more inclusive experience for Spanish speakers.
  • Community Chat Rooms. The portal now offers topic and condition-specific chat rooms, moderated by Trualta, where caregivers can post tips, success stories, and offers of encouragement to others in similar situations. Each chat room centers on high-level learning topics, such as Alzheimer’s Disease and Dementia, Depression and Anxiety, Heart Health, Parkinson’s, Caring for Kids, LGBTQ+ Support and more.
  • New Mental Health Content, including Depression and Bipolar Disorder CareAnxiety & PTSD CareMental Health 101. Each new toolkit builds caregiver knowledge and strength in disproving mental health myths, building a strong support network, and becoming more aware of how to care for one’s own mental health when providing care for others.
  • Caring for Kids. Parents and guardians of children with complex needs – including grandparents who are “kinship caregivers” – now have content to help them manage stress, confidently navigate through school and health care systems, advocate for the child’s needs, establish necessary community relationships, and build resiliency.
  • Virtual Support Groups: Trualta’s online support groups bring together caregivers and a Trualta facilitator for engaging discussions about caregiving experiences, tips, and challenges. The small groups meet weekly and are a judgement-free zone with time for everyone to share.

There are an estimated 4.1 million caregivers in New York State who provide 2.68 billion hours of unpaid care. Sixty-one percent worry about caring for a loved one and 70 percent reported at least one mental health symptom during the pandemic. The caregiving portal teaches critical skills to reduce caregiver stress levels and increase confidence in one’s caregiving abilities.

A 2021 study in the Journal of Alzheimer’s Disease Reports found a high rate of retention and engagement among caregivers who used the Trualta-developed platform to support their care for loved ones with dementia:

  • 84% of participants reported using at least one skill they learned from the Caregiving Portal.
  • More than half of caregivers (56%) reported allocating more time for self-care after using the portal.
  • 75% reported that the platform helped keep their care recipient at home longer.

NYSOFA Director Greg Olsen said, “New York’s Caregiving Portal is providing even more ways for caregivers to connect with one another, learn evidence-based skills, relieve personal stress, and improve quality of life when navigating the complexities of caregiving for a loved one of any age. Nobody should have to go through the caregiving process alone. New York’s Caregiving Portal provides tools and information to help validate the caregiver experience, connect caregivers with support resources, and build confidence in day-to-day tasks and decision-making to help care for a loved one at home.”

Trualta CEO Jonathan Davis said, “We are thrilled to continue our strong partnership with New York and help its diverse population of family caregivers. We are also so excited to help additional family caregivers in the state with our Spanish content, chat rooms, mental health offerings and content about caring for kids. The New York Caregiving Portal is inclusive, accessible and welcoming to all.”

AgingNY Executive Director Becky Preve said, “Family caregivers are on the front lines of New York’s caring economy. Our imperative is to arm them with the resources to do this honorable work confidently by providing information about evidence-based best-practices and community supports that are available to help. The New York Caregiving portal, powered by Trualta, is making this possible. I encourage all New York caregivers to explore the benefits of this free resource by enrolling today.”

NYSOFA and Partners Urge Employer Participation in Working Caregivers Campaign

Campaign includes a survey to assess impacts on individuals balancing work with caregiving, along with a business guide and resources

The New York State Office for the Aging (NYSOFA), the New York State Department of Labor (NYSDOL) and partner agencies have launched a Working Caregivers initiative to address the unique stresses experienced by individuals who are balancing work with a caregiving role for family, friends, or neighbors. 

As part of this initiative to raise awareness and support working caregivers, NYSOFA is asking New Yorkers to complete a statewide survey to assess specific challenges faced by individuals in this role. NYSOFA and NYSDOL also offer a Caregivers in the Workplace Guide offering tips and resources for employers to help support working caregivers, including some further resources outlined below.

NYSOFA Director Greg Olsen said, “Any caregiver is susceptible to feelings of burnout and other associated mental health, social or economic impacts. Our statewide survey has already begun to collect important data on the experiences of working caregivers in New York State, 32% of whom are assisting individuals for 22 hours or more every week. But the impact is two-fold, affecting employers as well as employees.”

He added: “Recognizing these unique stresses, we are leveraging support from private and public employers on an initiative to help all working caregivers at a time when 67% are missing days of work and 58% report being unable to focus while at work due to caregiver burden, according to preliminary results of our survey. A caregiver-responsive work environment is right for employees and employers alike. I encourage all employers to read our caregiving guide, share some of the support services already available for your employees, and ask employees to take our survey so that New York State can continue to advance caregiver-supportive policies.”

New York State Department of Labor Commissioner Roberta Reardon said, “I encourage working caregivers statewide to complete this survey. Their valuable input will guide us as we explore meaningful solutions to provide the best support and services for these essential workers.”

Association on Aging in New York Executive Director Becky Preve said, “The Association on Aging in New York is proud to partner with New York State on initiatives to support working caregivers. These initiatives are providing employers with tools and resources to support their employees who are on the front lines of caregiving in New York State. I encourage all New York businesses to participate in this initiative. I also encourage employees to take the statewide working caregiver survey that will further inform efforts to support working caregivers.”

About Caregiving

A caregiver is a family member, friend or neighbor who provides uncompensated care and support to someone else, such as a spouse, an older parent, children, or someone with chronic or other medical conditions. More than half of unpaid caregivers don’t even self-identify as caregivers.

The Economic Impact of Caregiving

According to national data, U.S. businesses lose as much as $33.6 billion annually in caregiver-related turnover, absenteeism, and loss of productivity, according to one estimate. This includes situations where caregivers have no choice but to arrive late or leave work early, make phone calls during work time, leave work to respond to emergencies, or miss work altogether. Employees also have chosen to forgo promotions, have gone from full-time to part time or leave work altogether to continue their caregiving work.

For individuals providing care to an older person and a child at the same time, 85 percent experienced mental health symptoms and 52 percent reported suicidal thoughts, according to the U.S. Centers for Disease Control and Prevention. Other data from the National Alliance for Caregiving and AARP found that 70 percent of working caregivers suffer work-related difficulties due to their dual roles; and 69 percent of caregivers reported having to rearrange their work schedule, decrease their hours, or take unpaid leave in order to meet responsibilities.

More data about the economic impact of caregiving are on NYSOFA’s Working Caregiver webpage.

Resources for All Caregivers

Earlier in November, NYSOFA announced several resources and supports available to caregivers through its network of aging services partners, including traditional supports as well as digital tools. NYSOFA urges all employers to share these resources with employees, including:

  • The ARCHANGELS’ Caregiver Intensity Index, which helps caregivers identify with and feel honored in their role, gives them an Intensity Score, and navigates them to free resources for their unique needs. Finding your score and potential resources are available as part of Any Care Counts-NY, sponsored in part by NYSOFA in partnership with ARCHANGELS and the Association on Aging in New York (AgingNY).

  • The Evidence-Based Caregiver Education and Training Portal, which is available free of charge for any caregiver in New York, powered by Trualta. This evidence-based caregiver training and support platform helps families build skills to manage care at home for loved ones of any age. It also connects to local resources and support services by delivering personalized education, training, and information links.
  • The NY Connects Statewide Resource Directory to help individuals search for local services by zip code or service.

Emergency Food

Food Help NYC: You can pick up food packages at a food pantry or get a meal at a soup kitchen. Find Food Pantries and Soup Kitchens near you.

Mount Vernon & Westchester Food Resources:

Feeding Westchester Mobile Food Pantry and Fresh Market Schedule (Please note the dates in this schedule are subject to change or cancellation.)

Find food pantries and other meal programs in Westchester County.

Butler Monthly Food Distribution
Our office partners with Butler Memorial United Methodist Church and NY Common Pantry to host regular food distributions every first and third Wednesday monthly at 3920 Paulding Avenue, Bronx, NY 10466 (food pick-up on the corner of 233rd St & Paulding Avenue) from 1pm – 3:30pm, while supplies last. Contact 718-902-6921 for more information.

Food Benefit Programs

You can get help paying for groceries by enrolling in a food assistance program.

SNAP (Food Stamps) helps people with limited income buy food. Benefits are provided on an electronic card that is used like an ATM card and accepted at most grocery stores.
Food for Women, Infants, and Children (WIC) provides pregnant women, mothers, and young children with healthy food and support services for prenatal care, breastfeeding, and nutrition.
Meals for Older Adults

If you are age 60 or older, you can also visit a Senior Center for hot group meals served at the center or, if offered, a grab and go meal or sign up for the Home Delivered Meals for Older Adults program if eligible. If you are a senior that has difficulty preparing meals, you may be able to receive nutritionally balanced home-delivered meals funded by the Department for the Aging (DFTA). Aging Connect is the New York City Department for the Aging’s information and referral contact center for older adults and their families. To reach Aging Connect, call 212-AGING-NYC (212-244-6469) to learn more or to request home delivered meals for a senior or call 311.

Note: If you are living with HIV/AIDS, cancer or other life-altering illnesses, you may be able to receive customized home-delivered meals from God’s Love We Deliver.

Free Monthly Food Packages for Seniors

Nourish offers free, nutritious foods to adults aged 60 years of age and older who have a New York state address and meet financial eligibility requirements. Most seniors who qualify for SNAP will be eligible for Nourish. Once a senior is signed up, they can receive a food package on a monthly basis. Food packages include a variety of foods, such as milk, juice, farina, oats, ready-to-eat cereal, rice, pasta, peanut butter, dry beans, canned meat, poultry or fish, and canned fruits and vegetables. Once each month you or your proxy will pick up your food at a convenient food distribution site. Please call Nourish at 917-982-2564 for more information.

Silver Corps - New Employment Program for Older Adults

Silver Corps is a new workforce development pilot program for older New Yorkers that will increase financial mobility among older adults, combat ageism in the workforce, and fill employment needs in local communities. To become a Silver Corps program participant, New York City residents must be at least 55 years of age, currently unemployed or underemployed, willing to participate in skills training and specialized certification program, and volunteer a minimum of 10 hours per week at a nonprofit or city agency. To learn more about participating in the Silver Corps program, older New Yorkers can call Aging Connect at 212-AGING-NYC (212-244-6469) or email silvercorps@aging.nyc.gov.

Consumer Alert: The NYS Division of Consumer Protection Warns New Yorkers of Text Scams Involving Fake Bank Fraud Alerts

Phishing Scams Work When Someone Poses as a Representative of a Financial Institution to Steal Your Personal and Financial Information 

Secretary of State Robert J. Rodriguez says, “Anyone Who Receives Unsolicited Dubious Text Messages Should Delete Them Right Away” 

Watch Video Here

 The New York State Division of Consumer Protection today warned New Yorkers of a text phishing scheme targeting cell phone users with an attempt to steal their information. Fraudsters are impersonating financial institutions claiming that a customer’s account is compromised ‘due to unusual activity’, but the message is an attempt to deceive the recipient into sharing personal information.

These scams usually work when someone poses as a representative of a bank or financial institution to get information such as your credit card number, bank account number, or social security number. This is known as phishing. The message usually asks the users to confirm their account information, make a payment, or claim a prize. The link may also ask the users to click on the link inside the text, which  directs them to a phony site that looks like the financial institution’s website, or it may install malware onto their device. The illicit text message shown below impersonates a bank in an attempt to gain access to personal information. Anyone who receives a fraudulent text message should delete the message right away.

Secretary of State Robert J. Rodriguez said, “With the advances in technology, unscrupulous individuals are becoming more creative in how to steal your personal information which can result in identity theft and serious financial hardship. Anyone who receives unsolicited dubious text messages should delete them right away. The Division of Consumer Protection works tirelessly to make people aware of schemes such as the phishing texts trying to steal your financial and personal information with just a click on a fraudulent link.”

New York State Chief Information Officer Angelo “Tony” Riddick said, “One of the most common online scams is phishing—an attempt to solicit personal information from users by masquerading as a trustworthy entity. The Consumer Alert today warning of text scams involving fake bank fraud informs New Yorkers to remain vigilant by deleting the fraudulent text message immediately. The public should always remember the importance of protecting their personal data from cyber criminals. ITS continues to provide a wide variety of helpful cyber tips for the public, online safety resources and real-time advisories that can help safeguard against cybercrime.”

Superintendent of Financial Services Adrienne A. Harris said, “Phishing scams regularly exploit the trust built between an individual and a financial institution to obtain highly sensitive information, which can be used to steal your identity or your hard-earned money. Cyber threats can take many different forms, targeting both consumers and businesses directly. DFS will continue working with regulated financial institutions to monitor cybersecurity trends and implement best practices to ensure consumer data is safeguarded from malicious actors.”

New York State Police Superintendent Kevin P. Bruen said, “We urge all New Yorkers to take extreme caution if they receive any type of correspondence from a financial institution requesting personal information or that an account has been compromised. Even if a text message or website looks valid, do not provide any information without confirmation. We want to remind people to contact their financial institution first and to check statements regularly to ensure they are not a victim of fraud.  The State Police will continue to work with our law enforcement partners to put a stop to these schemes and hold accountable those who prey on innocent people.”

To help protect against phishing or smishing (SMS phishing) scams, the NYS Office of Information Technology Services (ITS) and the Division of Consumer Protection recommend the following precautions:

The things to remember the next time you receive an unsolicited text message from a bank or financial institution:

  1. Inspect the sender’s information to confirm that the message was generated from a legitimate source, but don’t click on the link or call the number on the text.

  2. Do not respond to the text. Even writing STOP will let the scammer know your number is genuine, and they may sell your number to other scammers, making the problem worse.
  1. Remember, banks will never ask you to provide confidential information through text. Requests to do so, as well as poor spelling or grammar, are telltale signs of a scam.
  1. If you are suspicious, call the alleged bank or financial institution directly to understand the protocols for alerting customers of potential fraud.
  1. Do Not post sensitive information online.  The less information you post, the less data you make available to a cybercriminal for use in developing a potential attack or scams.
  1. Keep an eye out for misspelled words which are used to bypass a phone carrier’s filter system for fraud.

One simple method for preventing spam texts is to block unknown senders from your cell phone:

  • Go to settings on your phone
  • Click on messages or block numbers (depending on your phone type)
  • Hit “Filter Unknown Senders” or tap on “Block Numbers” (depending on your phone type)

For more information on phishing scams, as well as steps to mitigate a phishing attempt, visit the NYS Office of Information Technology Services Phishing Awareness resources page at https://its.ny.gov/resources  or the Division of Consumer Protection Phishing Scam Prevention Tips page at https://dos.ny.gov/identity-theft-prevention-and-mitigation-program.

The New York State Division of Consumer Protection serves to educate, assist and empower the State’s consumers. You may contact The Consumer Assistance Helpline at 1-800-697-1220 on Monday through Friday from 8:30am to 4:30pm, excluding State Holidays. You may also file a consumer complaint any time at https://dos.ny.gov/consumer-protection

For more consumer protection tips, follow the 

The Community Flood Action Toolkit is a new resource from the team at FloodHelpNY. This toolkit provides high-level information about flood insurance and retrofits.

The toolkit is available in English, Spanish, Simplified Chinese, Russian, and Haitian Creole.

Link to toolkit and more information: Flood Risk Is Rising | News and Info on Flooding | FloodHelpNY.org

Social Security Matters by Russell Gloor, National Social Security Advisor at the AMAC Foundation, the non-profit arm of the Association of Mature American Citizens

Ask Rusty – My Friend is 65; shouldn’t she be exempt from Medicare payroll taxes?

Dear Rusty: My girlfriend is 65 and she just enrolled in Medicare. She is still working full time as a nurse, but they are still deducting Medicare taxes from her paycheck. I thought as soon as you started Medicare, that they would no longer take any Medicare taxes from her paychecks. Is that not correct? Signed: Concerned Friend 

Dear Concerned Friend: Your understanding about Medicare payroll tax is, indeed, not correct. Medicare taxes are levied on everyone who works and earns, regardless of whether or not they are currently enrolled in the Medicare program. That is how Medicare has worked since it was first enacted in the mid-1960s and how it still works today.  

FYI, everyone who works for an employer must pay “FICA” (Federal Insurance Contributions Act) payroll tax of 7.65%.  Most (6.2%) of that payroll tax goes to support Social Security, but 1.45% goes to support Medicare Part A. Self-employed individuals must also pay this tax under the Self-Employed Contributions Act (SECA) which is equivalent to FICA, except the self-employed individual must also pay the employer portion of the payroll tax. The Social Security portion of the FICA/SECA tax has an earnings cap ($184,500 in 2026), but there is no cap on earnings for the Medicare portion of the FICA/SECA payroll tax. FYI, employers pay an equivalent amount of Social Security and Medicare taxes, and the Medicare portion of the payroll tax is paid on all earnings (there is no cap on earnings from which the Medicare payroll tax is withheld). 

 

To ensure understanding, Medicare Part A provides healthcare coverage for inpatient hospitalization services, and Medicare Part B provides coverage for outpatient medical services (doctors, medical tests, etc.). That 1.45% of the FICA (and SECA tax for the self-employed) is paid by those who work to help fund the Medicare Part A program, which is premium-free for most Americans after age 65.  For Medicare Part B, there is a separate premium which helps pay for Medicare outpatient healthcare services. The standard Medicare Part B premium for 2026 is $202.90 per month, compared to Medicare Part A which is free to all who are eligible for Social Security benefits.  But the 1.45% payroll tax which is being withheld from your girlfriend’s paycheck is paid by everyone who has work earnings, even if they are enrolled in Medicare.

This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/social-security-dvisory) or email us at ssadvisor@amacfoundation.org.

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Why is my Social Security Retirement Benefit So Small? – Ask Rusty by Russell Gloor, AMAC Certified Social Security

Dear Rusty: Can you help me understand? I have paid into Social Security since I started working in 1978. I did have a lot of tax deductions, but I don’t understand why I only receive $350 a month from Social Security. Signed: Befuddled Senior

Dear Befuddled Senior: Your Social Security benefit is based upon your average monthly earnings for the 35 years over your lifetime that you earned the most while contributing to the Social Security program (however, your benefit isn’t based on your contributions to SS). Your average lifetime earnings amount is called your “AIME” or “Average Indexed Monthly Earnings,” which are adjusted for inflation for years before you turn 60. Your earnings (your net earnings if self-employed) are provided to the SSA by the IRS. Your average lifetime earnings number (your “AIME”) is subjected to a formula which calculates your “Primary Insurance Amount” or “PIA,” which is the SS benefit you receive if you start benefits in the month you reach your full retirement age. Your personal full retirement age (FRA) depends on the year you were born which, if you were born in 1960 or later, is age 67. However, if you claim Social Security before reaching your FRA, you will get only a percentage of your PIA (reduced from what you would get if you claimed at your FRA). 

For example, if you claimed at age 62, you would only get 70% of the amount you would have gotten had you waited until age 67, or if you claimed at age 63 you would get 75% of your age 67 benefit. The reduction is less as you get closer to your FRA; if you claimed at age 65, you’d get about 87% of your full retirement age amount.

You can see your lifetime Social Security earnings record at your personal “my Social Security” online account at www.ssa.gov/myaccount (you will need to first create that online account), or you can call Social Security at 1.800.772.1213 to request an “Earnings Statement” be sent to you. That statement will show your lifetime earnings by year, the 35 highest of which were used to calculate your PIA (your Social Security benefit at your FRA). Generally, your Social Security FRA benefit will be about 40% or less of your average indexed monthly earnings.

So, to recap, your SS retirement benefit isn’t based on your contributions to the program; it’s based on your average monthly lifetime earnings. If you had less than 35 years contributing to the program, SS would still use 35 years in the benefit formula by using zero dollars in earnings for some number of years, which would result in a smaller AIME. Thus, if you claimed before your full retirement age of 67, your SS benefit was reduced because you claimed early. And if you had less than 35 years of SS-covered employment, your AIME was less, resulting in a smaller PIA. And that is likely why your monthly Social Security retirement benefit is low.

One other thought to consider: if you are married and your spouse’s monthly SS benefit is considerably more than yours (e.g., more than twice as much as yours), you may want to explore your options for spouse benefits.

 

I hope this explains how your SS benefit is calculated, but if you still question your monthly SS retirement amount, I suggest you first obtain your “Earnings Statement” to review the lifetime earnings SS has on file for you. If there are any discrepancies in your Social Security’s earnings record, there are correction remedies available to you. If that is the case, please feel free to contact us again for more information.

This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/social-security-dvisory) or email us at ssadvisor@amacfoundation.org.

Ask Rusty – I’m Still Working; Why Didn’t my Benefit Amount Increase

Dear Rusty: I have been working somewhat consistently since commencing my Social Security benefit income. I’ve been collecting since my full benefit age of 66, approximately. I’m now 81, and customarily, in about October of each calendar year, Social Security notifies me of additional benefits from my additional work. Not this year.  

I earned some $18,000-$19,000 in 2025. SS advised I did not meet some 35-year formula. I thought that formula just applied to the original benefit calculation. Otherwise, one seems cheated given the SS taxes paid on income received after applying for benefits without any consideration for that income. Please advise me. Signed: Feeling Cheated

Dear Feeling Cheated: FYI, your Social Security benefit is always based on the highest 35 years of your lifetime earnings (with your early years’ earnings automatically adjusted for inflation). And that formula continues even after you start receiving benefits. Social Security will look at your earnings each year to see if your recent earnings are among your highest. If so, they will automatically recalculate your benefit to give you a higher amount (and pay you retroactively to the first of that year). Apparently, in past years, your more recent earnings were among the highest over your lifetime, which is why you received those notifications in the fall of each previous year saying your benefit was adjusted based upon recent earnings. That you didn’t get a similar notification this year, means that your earnings in 2024 were not among the highest over your lifetime, so no adjustment to your monthly benefit was appropriate. 

Now, to clarify, those annual notices you received in the past always referred to the preceding year – that is, if you received a notice in October 2024 of a higher SS benefit, that was a result of your 2023 earnings. If you got no such notice in October of 2025, that means that your 2024 income was not among the highest over your lifetime. And your 2025 earnings of $18,000 – $19,000 will likely not be among your lifetime highest either, so you probably won’t get a notice next year either. 

It’s important to understand that your contributions to Social Security (i.e., the SS payroll taxes you pay while working) are not put into a separate account for you – rather, they are used to help pay benefits to all beneficiaries. In other words, just contributing to SS with payroll tax from your work earnings doesn’t necessarily mean you get a higher benefit. Your SS benefit is always based upon the 35 years in which you earned the most, including recent years if you continue to work. So, you weren’t “cheated” – that is simply how the program works – your SS benefit is always based on your highest 35 years of work earnings, including recent years, with earnings from the early years adjusted for inflation..

This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/social-security-dvisory) or email us at ssadvisor@amacfoundation.org.

Ask Rusty – Am I Entitled to More Social Security as a Veteran?

Dear Rusty: I served in the U.S. Army from July 1964 to July 1967. Am I eligible for a higher Social Security payment? Thank you. Signed: Vietnam Era Army Vet 

Dear Army Vet: Please accept my sincere thanks for your military service. I believe you are referring to the “Special Extra Credit for Military Service” which has been the subject of many published articles. That refers to a special Social Security accommodation available only to those who served in the military during specific periods of time – but it does not add to your monthly Social Security payment. Rather, it adds to your military earnings record for the years you served, which may (or may not) result in a higher Social Security benefit when you later claim Social Security.

Here’s how it works in your case:

Serving between 1964 and 1967, if you told Social Security of your military service when you applied for Social Security benefits (or gave them a copy of your DD-214), they would have added up to $1,200 per year to your military pay record (FYI, those who served after 1966 were automatically given earnings credit for their military service years). However, whether those special extra credits would affect your monthly Social Security benefit depends on your lifetime earnings record when you later claimed Social Security.  

When you applied for benefits, Social Security reviewed your lifetime earnings and used the highest earning 35 years of earnings over your lifetime (adjusted for inflation) to calculate your “Primary Insurance Amount” (or “PIA,” which is what you get if you claim benefits to start at your Social Security full retirement age). If, after your military service, you had 35 or more years of earnings which were higher than your earnings while serving in the military, Social Security would have used your later higher earning years to calculate your benefit, and your military earnings would not have had an effect on your Social Security benefit. However, if any of your military earnings (including the “special extra credits”) were among the highest over your lifetime, then those higher military earnings would be included when calculating your Social Security benefit.  

So, whether you would benefit from these “special extra credits for military service” depends largely on your earnings history after you were discharged from active duty. If your military earnings were among the highest earning years over your lifetime, and you provided SSA with a copy of your DD-214 when you applied for Social Security, then your current SS benefit already includes consideration of your military service (FYI, Social Security should have asked about your military service when you applied). If you didn’t tell SS about your military service when you applied for Social Security, or if you aren’t sure, you should contact the SSA at 1.800.772.1213 and ask if you were given those “special extra credits for military service” for your 1960s military service years when you applied for Social Security. But if you had at least 35 years of higher earnings after you left military service, your current SS benefit is already based on those later higher earning years, and you will not get any additional /Social Security benefit because of the “special extra credits” for your military service years.

Ask Rusty – I’m Divorced; Can I Get Benefits from my Ex-husband?

Dear Rusty: After 16 years of marriage, we were divorced. I have never remarried, but he has. When he starts collecting Social Security (he is 64 now and still working), is it true that I can claim ex-spousal benefits or does that go to the current wife? How would I find this info? Signed: A Divorced Spouse 

Dear Divorced Spouse: The fact that your ex-husband has remarried has no influence on your ability to collect benefits based on his record. If you are eligible for ex-spouse benefits (because you did not remarry), you can get those benefits regardless of whether his current wife collects benefits on his record. In other words, both you and his current wife can both collect spousal benefits from your ex-husband’s earnings record.  

Your eligibility for an ex-spouse benefit is determined by comparing your own SS retirement benefit amount at full retirement age (FRA) to his – if your own SS benefit at your FRA is less than 50% of your ex’s FRA benefit entitlement, and you were married to your ex for more than 10 years, are not currently married and are at least 62 years old, then you can get a “spousal boost” (an amount added to your own Social Security retirement amount). In fact, if you have been divorced for over two years, you can get an ex-spouse benefit even though he is not yet receiving his own SS retirement benefit. 

Be aware, however, if you claim any Social Security benefit (both your own SS retirement amount and your ex-spouse “spousal boost”) before you reach your full retirement age, the monthly amount you get will be reduced according to how much before your full retirement age you claim. Spouse and ex-spouse benefits reach maximum at your full retirement age but are reduced if claimed earlier than your full retirement age. Claiming your benefits as an ex-spouse will also result in you receiving your own SS retirement benefit (reduced if you haven’t yet reached FRA). 

I suggest you contact Social Security at 1.800.772.1213 to make a telephone appointment to evaluate whether you are entitled benefits as an ex-spouse. If your own SS retirement benefit at your FRA is less than half of your ex’s FRA entitlement, you will be. To apply for those benefits you will need a copy of your divorce decree (and perhaps your marriage certificate), and your ex-husband’s Social Security number (if you do not have his SSN, you can provide his date and place of birth and his parents’ names, and SSA will likely be able to locate your ex’s SS record).

SSA will be able to tell you what your total monthly benefit as an ex-spouse will be when you meet with them, at which point you can decide whether to claim your benefits early or wait until your FRA to achieve your maximum amount as an ex-spouse. 

Ask Rusty – About Claiming Social Security Early and Investing It

Dear Rusty: I am a 63-year-old single lady, and I have questions regarding Social Security “early retirement,” though I will still be working full time. 

I know there is a maximum allowable income limit and, if I exceed that, I will need to return probably 2/3 of my received Social Security benefit. I’m thinking about taking those early SS benefits (about $1,400 per month) and putting them in my high yield savings or CD where I can gain the interest on it and have it stay “liquid” so I can return what I need to. My current interest rate is 3.65% on the savings, and over 4.25% on CD, with options for 3,6,9 mos. or longer- but I want to be able to access the money to pay Social Security back at the end of the year. Can you advise me on this? Signed: Still Working but Wondering

Dear Still Working: I commend you, for investigating your options before claiming early Social Security benefits while still working. FYI, the 2026 annual earnings limit for those collecting early SS benefits is $24,480 (changes annually). If your 2026 work earnings exceed the annual limit, Social Security will take away $1 in benefits for every $2 you are over the limit. The annual earnings limit lasts until you reach your full retirement age (FRA), and the limit is about 2.5 times higher during the year you attain FRA.

FYI, when you apply for benefits, Social Security will ask if you are working and, if so, how much you make. Using that info, they will evaluate whether you can take benefits now and, if so, how many months they can actually pay your benefits. For example, if your projected 2026 earnings are, say, $100,000, you would be about $75,000 over the annual limit which means that half of that ($37,500) would need to be paid back to SS. Since your monthly SS benefit at your current age would be about $1,400 per month, Social Security will say that you are temporarily ineligible to collect early benefits because you cannot pay back within one year what you would owe for exceeding the limit. In other words, they won’t pay your SS benefits just yet because your earnings are too high and they do not want to overpay benefits which you will only need to return.  

For additional perspective, if your expected 2026 earnings are less (say about $50,000) – that means you would be about $25,000 over the limit – about half of that (about $12,500) would need to be paid back to SS. In that event, SSA would tell you they will withhold 9 months of your SS payments in advance and pay your benefits for only 3 months. This because the overpayment, with your current benefit of about $1,400, could be recovered by withholding your SS payments for 9 months. They do not want to intentionally overpay your SS benefits. 

 

So, despite your best repayment intentions, Social Security will not favor intentionally overpaying your benefits. Historically, overpayment of benefits due to exceeding the annual earnings limit has been a notoriously difficult issue for the Social Security Administration. So, to get your early SS benefits while you are working full time, you would likely need to lie about your anticipated 2026 earnings on your application for SS benefits, which we strongly discourage. Keep in mind that this all changes when you reach your FRA (67), because the earning limit goes away entirely when you reach FRA (and the limit goes up by about 2.5 times in the year you attain full retirement age). So, depending on your earnings level, you may wish to either wait until your full retirement age, or until you stop working full time, to claim SS.

Now, as for the general idea of taking early benefits and investing them, many have said they wish to do that, and we understand that logic. Our caution is that it requires religious discipline to put the SS money into a higher yield investment vehicle to accomplish the goal of beating the SS increase realized when you wait to claim. Many who try it succumb to the temptation to use the invested funds for emergency needs (and sometimes non-emergency needs). I offer this only as something to be aware of, as some have shared that they failed in their investment objectives with their Social Security money.

Ask Rusty – Why Didn’t My Friend’s Wife Get All Her SS Immediately?

Dear Rusty: A friend told me about what he believes is a strange thing in the Social Security system. His wife reached her full retirement age (FRA) of 66 several years ago. She delayed filing for Social Security past her FRA and claimed on her 68th birthday in June of that year, exactly 2 years after her FRA. When she filed, she was told she would receive approximately $300/month, which, of course, was more than she would have received at her FRA. She was told however that she would only receive $300/month as of January 1 of the following year. Between June of the year the turned 68 and filed for SS until the end of that year, she would receive an amount less than $300. This lower amount was the amount she would have received if she had filed in December, the year she turned 67. She said she was told that was how SS works. She would never receive the difference in benefits she lost from June through December of the year she filed. If the above is true, can you explain? Signed: Astounded Friend

Dear Astounded: What your friend described is, indeed, a unique methodology for how Social Security handles benefit payments for those who choose to wait beyond their full retirement age (FRA) to claim SS benefits. To understand it, let me first describe how Social Security retirement benefits are calculated. 

At full retirement age, a person is entitled to 100% of the SS benefit they have earned from a lifetime of working. That FRA benefit amount is known as the person’s “Primary Insurance Amount” (PIA) and is based upon the highest earning 35 years over the individual’s lifetime. From those past years, average lifetime monthly earnings are computed, known as the person’s “Average Indexed Monthly Earnings” (AIME). Their AIME is subjected to a formula which yields their Primary Insurance Amount – the benefit the person is entitled to in the month they attain their full retirement age – typically about 40% of the person’s average monthly lifetime earnings. However, if the person chooses to do so, they can wait beyond their FRA to claim Social Security to get a monthly benefit even higher than their PIA, by earning Delayed Retirement Credits (DRCs). 

DRCs are applied to the person’s PIA when they claim Social Security. For each month after FRA the person claims, they will have .667% added to their PIA. That means that for each full year of delay, that person will get an extra 8% added to their PIA. For someone (like your friend’s wife) who claimed 24 months after her FRA, she would receive a benefit 16% higher than her FRA amount. However, Social Security normally only applies DRCs in January of each year.

So, even though your friend’s wife claimed her SS benefits in June, 24 months after her FRA, she would initially only get the DRCs she had accumulated through the end of the previous year – in this case, about 18 months’ worth of DRCs, or an SS payment about 12% higher than her PIA (her FRA amount). She would not get her remaining earned DRCs (another 4%) until January of the following year. So, in effect, the wife’s initial benefit didn’t reflect all her earned DRCs until her later January benefit payment. Thus, the wife essentially lost that extra benefit money for the period between June and December of the year she claimed Social Security. In other words, she wouldn’t get the full 16% amount until SS applied the additional 4% DRCs to her benefit payment the following January. And that is why your friend’s wife initially received a payment a bit less than the $300 Social Security said she was entitled to by waiting 2 years after her FRA to claim. 

This surprises many who choose to wait beyond their full retirement age to claim Social Security. But, curiously, this process doesn’t apply to those who wait until age 70 to claim their SS benefits. For those who wait until age 70 to claim, Social Security will immediately apply all DRCs that they have accumulated and provide them with their maximum SS benefit immediately.     

Ask Rusty - My Wife Believes She Can Get a Spouse Benefit While I’m Still Alive; Can She?

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Dear Rusty: A friend of my wife told her, and she believes, she could receive a Social Security benefit based on my SS benefit that I’m currently receiving while I’m still alive. I told her she could only receive spouse survivor benefits. Is there any truth to what she now believes? Would you settle this issue for us please? Thank you. Signed: Uncertain Husband

Dear Uncertain Husband: Well, surely don’t want to get in the middle of your martial discussion, but I’ll be happy to explain Social Security’s rules about your wife’s eligibility for spousal benefits while you are both still living. And just for awareness for both of you, the rules about spousal benefits are one of the most confusing areas of Social Security.

Per Social Security’s rules, a spouse (e.g., your wife) can receive a “spousal boost” from you – while you are still living – if the SS retirement benefit she is personally entitled to at her full retirement age (FRA) is less than 50% of the SS retirement benefit you are (were) entitled to at your FRA (full retirement age amounts are used to calculate living spouse benefits, regardless of when each of you actually claimed your Social Security). 

So, if your FRA entitlement benefit amount is more than twice your wife’s FRA entitlement benefit amount, she can, indeed, get a “spousal boost” from your record while you are both still living. The spousal boost is added to her own SS retirement amount and will be based on the difference between her FRA entitlement and half of your FRA entitlement. Thus, in this discussion, your wife may be correct – she may be able to get a spousal boost from you while both of you are living, depending on how your personal FRA retirement amounts compare. The best way for your wife to find out is to contact Social Security on 1.800.772.1213 to inquire, and if she’s eligible, also make an appointment to apply for her spousal benefit.

And to clarify your wife’s options as your possible widow, a surviving spouse can also get a survivor benefit if their marital partner passes away, but only if the deceased spouse’s current benefit (at death) was more than the surviving spouse is already receiving. The surviving spouse receives the higher amount, instead of their own smaller Social Security retirement benefit. 

But here is an important thing to know: Whenever any Social Security benefit (including a spousal or surviving spouse benefit) is claimed before the recipient’s full retirement age, the payment amount is permanently reduced (both spousal and survivor benefits do not reach maximum until the recipient’s full retirement age). And just to complete the picture for survivor benefits, a surviving spouse is also entitled to a one-time, lump-sum death benefit of $255 if their marital partner dies, in addition to any other benefit they are entitled to.

Ask Rusty – Why Won’t Social Security Give me my Benefits?

Dear Rusty: I called the Social Security office, as well as went with my husband when he went to collect his Social Security. Because I work full-time (at about $800/week), they said I could not file for my Social Security. Yet I seem to read articles all the time about people doing so. 

My husband just filed for his benefits and is now collecting them. Out of the two of us, his Social Security will be larger. Please advise me. Signed: Wanting my Benefits 

Dear Wanting my Benefits: If you have not yet reached your SS full retirement age (FRA) and you are working full time, you are likely being affected by Social Security’s Annual Earnings Test, which limits how much you can earn while collecting Social Security prior to your FRA. Your FRA is somewhere between 66 and 67, depending on when you were born. The annual earnings limit for those collecting SS benefits prior to FRA in 2025 is $23,400 (changes yearly) and, if that is exceeded, Social Security will take away benefits equal to $1 for every $2 you are over the limit. If you applied for your benefits and are still working, and were denied, it’s likely because Social Security determined that your current annual earnings considerably exceed the earnings limit and, thus, you cannot collect benefits. That’s because the penalty for exceeding the limit would be more than your benefit amount. FYI, the earnings limit will go away when you reach your full retirement age so, after FRA, you can claim your benefits even if you are still working. Or if you stop working before your FRA you can collect your SS benefits at that time.

None of this means you are losing money, because your monthly SS payment will continue to grow until you later claim (e.g., after you stop working, or only work part-time), or until you reach 70 years of age. When you later claim, your monthly benefit will be higher and, depending on your longevity, you may recover what you didn’t get now because you are working. And that includes both your own SS retirement benefit and any spousal boost you may be entitled to from your husband.  

So, my suggestion is this: as long as you are working full time and exceeding Social Security’s annual earnings limit, continue to wait to claim your Social Security. Then, when you reach your full retirement age (again, between 66 and 67, depending on the year you were born), or if you stop working before that, go ahead and apply for Social Security again. At that time, your application will be approved, and you will be awarded your own earned SS retirement amount plus any additional amount you may be due as your husband’s spouse. To be entitled to a spousal boost from your husband, your own FRA entitlement must be less than 50% of your husband’s FRA entitlement. But the amount you get will be reduced if you claim before your full retirement age..

Ask Rusty – I’m on SS Disability; Should I Switch to Regular Social Security?

Dear Rusty: Should I take my Social Security now at age 62, or wait till I am 65? I’ve been collecting SS disability due to health issues and was curious if I should wait or claim my regular Social Security retirement benefits now. Signed: Disabled but Wondering

Dear Disabled but Wondering: If you are now collecting Social Security Disability Insurance (SSDI) benefits and you are still disabled, it would be a disadvantage to claim your SS retirement benefits at this time (age 62), or even at age 65. That’s because your SSDI benefit is the same as your full retirement age (FRA) amount, as calculated for you at the point you became disabled. Born after 1959, your FRA is age 67, but you are already receiving your FRA benefit while on SS disability even though you have not yet reached your full retirement age. That full SSDI benefit will automatically convert to become your SS retirement benefit when you reach your full retirement age. 

If you were to claim your normal SS retirement benefit any earlier than your SS full retirement age of 67, the amount you get would be reduced for claiming early. At your current age, you would likely get between 75% and 80% of what you are now receiving on SSDI (depending on your exact age in the month you claim), and at age 65 you would get about 87% of what you are now receiving on Social Security disability. 

In other words, as long as your disability continues and you remain eligible for Social Security Disability Insurance benefits, you should not switch to your normal SS retirement benefit, because you would get less money. And the resulting benefit reduction would be permanent.

Ask Rusty –About Remarrying and Benefits from an Ex-spouse

Dear Rusty: I am almost 57, divorced after a 14-year marriage. My former spouse is 15 years older than I and made significantly more money than me. I am required to retire from my job at age 60 but expect to keep working in some capacity.  

I have a girlfriend of a similar age to me. She did not earn as much as her former husband as she mainly raised their children. She is also divorced from an older spouse who made more money than she did. I am trying to figure out if we will be penalized if we marry, or if it matters if we wait until after we reach 60 years of age. Can I claim my own benefits when I become eligible at 62, then claim survivor benefits later, whenever my former spouse passes? Is that affected if, or when, I remarry? I do not want to give up my potential survivor benefits from my ex-spouse. Are those affected if I remarry? 

If I understand correctly, if I remarry even after 60, we would both forfeit divorced spousal benefits, is that right? Given that my girlfriend’s former spouse probably made more money than I, would she be forfeiting her former spousal benefits if we were to marry, even after age 60? 

Lastly, I am considering retiring abroad as an expat. Any suggestions about how that would affect our Social Security benefits? Signed: Starting Over  

Dear Starting Over: With certain exceptions, benefits from a living ex-spouse cannot be collected if you remarry (regardless of your age when you remarry). So, from what you’ve shared, whenever you remarry both you and your new wife will forfeit eligibility for benefits from your respective ex-spouses while they are living (FYI, there are exceptions for those who are disabled).  

However, the rules are different for a surviving ex-spouse: if you remarry before age 60, you will forfeit your surviving ex-spouse benefit. But if you remarry after age 60, you retain eligibility to collect survivor benefits from a deceased former spouse. So, if you and your girlfriend remarry after you are both age 60, you will both still be able to claim survivor benefits based on your former spouses’ records. 

And, yes, it is possible for you to initially claim your own SS retirement benefit at 62 and claim your surviving ex-spouse benefit later (after your former spouse dies). Provided you remarry after age 60 you do not lose that option, but if you were to claim a surviving ex-spouse benefit before reaching your full retirement age (FRA), the monthly payment amount would be reduced (all SS benefits taken before FRA are reduced).

Note too, that if you plan to continue working after you are first eligible for SS benefits, Social Security has an “earnings test” which limits how much you can earn from working while collecting early benefits. The limit changes yearly (for 2025 it is $23,400) and if exceeded, SS will take back $1 in benefits for every $2 you are over the limit. And, as you likely know, claiming at age 62 will also mean a benefit payment of about 30% less than available at your FRA of 67. So, if you plan to work after age 62 and plan to claim early SS, you should take the “earnings test” into consideration. FYI, the earning test no longer applies after you reach your full retirement age. 

Now, regarding retiring overseas, be aware that Social Security has limits on where you can collect U.S. Social Security benefits. I suggest you use Social Security’s Payments Abroad Screening Tool to find out if benefits are payable wherever you plan to retire abroad. That SSA tool can be found here:

https://www.ssa.gov/international/payments_outsideUS.html

Ask Rusty – About Tax Filing Status and Medicare

Dear Rusty: I’m trying to figure out if I should change my IRS filing status to “Married – Filing Jointly” prior to getting reviewed for my Medicare Part B and Part D. My current IRS status is “Married – Filing Single” and I noticed this filing status is more stringent. I will be turning 62 this year (2025) and I’ve read that Medicare will review my income 2 years prior to turning 65. Any input would be appreciated. Signed: Uncertain Senior 

Dear Uncertain: Your IRS tax filing status has no bearing on your eligibility for Medicare Part B (coverage for outpatient healthcare services) or Medicare Part D (insurance coverage for prescription drugs). Medicare is an individual healthcare program, so enrolling in Medicare provides coverage for you (only), not your spouse (your spouse’s Medicare eligibility will be individually evaluated).

What your IRS filing status may affect is the amount of your Medicare Part B and Part D premiums. There is a Medicare provision called “IRMAA” (Income-Related Monthly Adjustment Amount), which sets the income thresholds on which your Medicare premiums are based, and those thresholds are different if you file your income tax as a single, or as “married/filing jointly.” The IRMAA thresholds can change annually, and there’s no way to yet determine what they will be when you are able to enroll in Medicare at age 65 (they are currently $106,000 if you file as a single, and $212,000 if you file your taxes as “married/jointly”). If your “provisional income” (your combined income from all sources) exceeds the threshold for your filing status, you will pay higher (than standard) Medicare Part B and Part D premiums. If your income is lower than the threshold, you will pay only whatever the standard Medicare Part B premium is for the year you start Medicare, and there will be no supplemental premium for your Part D coverage. For information, the IRMAA supplements are progressive – that is, the more you exceed the threshold by, the higher your IRMAA premium supplement will be. To see the current IRMAA thresholds and supplements (again, these will likely change when you are eligible for Medicare): www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles.  

You are correct that your Medicare premium, when you enroll, will be determined by your total income from 2 years prior. So, if you plan to enroll in Medicare at age 65 (sometime in 2028), it is your 2026 income which will determine your Part B and Part D premiums, and that income will be defined by your 2026 income tax return. Note, too, that Medicare premiums are reevaluated each year, based upon your IRS income tax return from 2 years prior.  

FYI, there are advantages to filing your income tax as “married/jointly” (vs. married/filing separately), and those are best evaluated by your tax advisor (we are not tax advisors here at the AMAC Foundation). And while it’s true that the IRMAA thresholds are higher when you file as “married/jointly,” it’s also true that your total income as a married couple will be used when determining your IRMAA premiums for Medicare. So, once again, it is probably best to consult with a qualified income tax advisor for guidance on whether it is best, financially, for you to change how you file your income tax in 2026, considering that you will be enrolling in Medicare in 2028. 

One final thing: If you are still working and have “creditable” healthcare coverage from your employer (“creditable” is a group plan with at least 20 participants), then you can delay enrolling in Medicare until your employer coverage ends (thus temporarily avoiding the Medicare premiums). In other words, if you have creditable healthcare coverage from an employer, you don’t have to enroll in Medicare immediately at age 65. 

Ask Rusty – Is Social Security Really a “good deal?”

Dear Rusty: You’ve said in the past that most people recoup their SS contributions within five years of starting benefits, thus Social Security “is an exceptionally good deal.” Your calculation is correct but misleading; if it were not, SS would have been insolvent long ago. I will, in fact, get “my” contributions back in about five years, but my employer’s contributions will take another five years, and that is money that my employer could have been paying me, so they are really “my” contributions. But even that ignores the time value of money. I did a calculation as if my contributions, along with those of my employer, were invested in an account earning 5% per year. That would provide me the equivalent of SS income for 24 years, approximately what my life expectancy was when I retired. So, it’s not a bad deal, but it is hardly exceptional. It is roughly the equivalent of me investing that money throughout my career and using the total to buy an annuity.  

Of course, Social Security does have the advantage of certainty, at least until it goes broke. My portfolio would not earn a steady 5% every year, though that is at the low end of what financial managers would expect over a long period. And it does force people to save, many of whom would otherwise make no provision for retirement. Signed: Realistic Senior   

Dear Realistic: Thanks very much for your feedback on my previous article. I think it’s important to draw a distinction for SS contributions made by an employer, because that is not money the individual personally pays, but rather an obligation for employers to help fund the Social Security program. Without that federal obligation, it is doubtful that employers would, instead, provide employees with equivalent additional compensation, so the thought that these are really your contributions is not a fair assessment. Indeed, they are contributions which happen to be tied to your earnings level (to a cap), for which employers receive relief on their corporate income tax, and likely would not make if not required by law.  

As you have noted, Social Security has the advantage of certainty, something which is lacking when it comes to investing the equivalent amounts in the financial markets. And, as you have hinted, there exists a substantial failure by future American retirees to save adequately for their retirement, a problem well known in most financial circles. Thus, the certainty of Social Security makes it a crucial part of everyone’s retirement planning – and it will be there! Despite all the angst attributed to the current financial issues facing the program, there is little doubt that Social Security is here to stay. The question is – what reform is needed to make the program fully solvent for generations of future Americans? The Association of Mature American Citizens (AMAC) has developed a proposal to sensibly reform Social Security and avoid the currently projected 2033 date that the SS Trust Funds are expected to be depleted (which will necessitate an across-the-board cut for everyone). We have little doubt that the reform needed will happen (it would be political suicide for Congress if it did not), and hopefully soon. You can read about AMAC’s proposed solution at this link: www.amac.us/social-security-guarantee.  

Again, thank you for your feedback and commentary. Please know that we very much appreciate your thoughts and are always willing to discuss these issues. 

Ask Rusty – Consider the “Wearing Out” Factor While Deciding When to Claim Social Security

Dear Rusty: Enjoyed your recent article on claiming SS benefits. I feel, however, any decision making should also include what I call the “wearing out” factor. Yes, financial need, health, and longevity are definite criteria for a decision. The inevitable problem (I just turned 83) is the speed at which many of us descend down the back side of that hill after we hit around age 65. Yes, one might live to 85-90 but as you age after 65, many physical limitations begin to appear. Only then does one realize their earlier retirement decision (waiting to max out SS) might not have been honestly evaluated to the extent needed. I speak from experience: after having reached 60 in excellent health, I took early retirement from work, then Social Security at 62, and glad I did so. I figure the degree of slope on the backside of that “hill” will increase with age (it did quickly for me), so one best start enjoying a retirement life as soon as financially possible. Signed: Glad I claimed at 62 

Dear Glad I Claimed at 62: Thank you very much for your excellent perspective on the “wearing out” factor. And please know that I wholeheartedly concur with your opinion that waiting for a higher Social Security benefit is not always the most prudent choice. For perspective, however, we have found that far too many people claim Social Security as soon as they are eligible at 62 simply because “it is there,” without fully analyzing whether that is the best option considering their personal circumstances.  

You are correct – enjoying your retirement life while you are still physically able is a valid consideration. And that is why we always suggest that evaluating both your financial needs as well as your health and life expectancy is important. Fulfilling one’s “bucket list” is, indeed, an important consideration and if claiming Social Security at age 62 (after evaluating all factors) enables one to do that, then that is exactly the right choice. It obviously was for you.  

Age does, indeed, tend to slow us down, so if taking the SS money early means being able to enjoy life while you still can, then that is a good decision. But having more money as you age can also make your “golden years” a lot more comfortable.

As we have recently witnessed, inflation has an insidious way of reducing our financial comfort in retirement. Despite having a retirement pension from your primary working career, imagine how another 25% in your monthly Social Security payment (had you claimed at full retirement age instead of age 62) would help make your senior years more comfortable.  

The fact is that no one can predict how long they will live nor whether they will do so in good health. All we can do is evaluate all our options under varying circumstances and make our claiming decision based on that analysis. And that is precisely what we advocate for at the AMAC Foundation’s Social Security Service. In no way did I intend to say that claiming at 62 was never the right choice; only that everyone should look at their complete personal circumstances when deciding when to.

Ask Rusty – If We Both Collect Social Security, will our Benefits be Affected?

Dear Rusty: I reached full retirement age back in June, but I have not yet filed to collect Social Security. My husband currently collects SS funds, and he waited until he had reached full retirement age a few years ago. I am considering signing up now to receive my funds, but I am a little confused about whether I will receive my full benefit or is there some kind of adjustment made based on both of us collecting?

We are a simple case. We have been married for 46 years, so there are no other exes involved in this equation. He did everything online when he was ready to start receiving his funds, but we didn’t consult with any advisor when my husband claimed. Now I think that adding me as a spouse might trigger some other things I should consider. Thank you for your advice. Signed: Concerned Wife

Dear Concerned: Since you and your husband have both reached your respective SS full retirement age (FRA), you are both entitled to receive your full benefits without any reduction. And since you haven’t yet filed, you are now accumulating Delayed Retirement Credits (DRCs) at the rate of .667% additional benefit for each month you continue to delay. You will get your full SS retirement benefit (plus any earned DRCs) when you claim. The only question you need to consider is whether either you or your husband will be entitled to a “spousal boost” (an increase) when you claim.

If the SS retirement benefit you were entitled to at your FRA is less than 50% the amount your husband was entitled to at his FRA, then you will get a “spousal boost” on top of your own SS retirement amount (the “boost” amount would be the difference between your FRA amount and half of his FRA amount). But if your SS amount at your FRA is more than 50% of your husband’s FRA entitlement, then you will only get your own SS retirement benefit based on your own lifetime earnings record. Spouse benefits are always determined from each partner’s FRA entitlement, and if one partner’s FRA amount is less than 50% of the other partner’s FRA amount, then a spousal boost will be given. And that also works if your FRA entitlement is higher than your husband’s – if your FRA amount is more than twice your husband’s FRA amount, then he will get a spousal boost from you. Otherwise, each of you will get only your personally earned SS retirement amount, and both of you collecting SS will not negatively affect each other’s individual SS benefit. 

FYI, the spousal boost amount stops growing at full retirement age, so if you are eligible for a spousal boost from your husband then you should claim your SS benefits now and ask for benefits retroactive to June (your FRA month). However, if you will not get a spousal boost from your husband, you have the option of delaying even further and earning more DRCs (thus a higher monthly benefit). You can earn DRCs up to age 70, at which time you will get the maximum possible Social Security benefit (about 127% of your personal FRA amount if you delay that long). 

Ask Rusty – Did the Obama-era Social Security Tax Cuts Hurt the Program?

Dear Rusty: I will be retiring early next year but my question to you is: During the Obama administration, payroll taxes that employees pay were cut in half from 6.2% to 3.1%, while the employer’s part stayed the same at 6.2%.This continued for around a year I think. This was an attempt at giving people a tax cut, which I think was a bad idea or maybe the wrong way to have done it. How much damage do you think this may have caused to Social Security? Signed: Soon to Retire 

Dear Soon to Retire: FYI, the Obama-era cut in the employee portion of FICA payroll taxes and SECA (self-employment tax) was a temporary measure, which has long since expired. However, the legislation which enabled that cut in employee FICA/SECA taxes also included a provision to replenish the Social Security Trust Funds from the General US Treasury in an amount equal to the estimated loss of tax revenue to the Trust Funds. So, in effect, there was little or no impact on the Social Security Trust Funds. 

FYI, the Trustees of Social Security have been projecting for many years that the Social Security reserves would be fully depleted in the mid-2030s, unless Congress takes action to reform the SS program. Unfortunately, Congress has not yet taken any meaningful action to accomplish that reform, and the current projection from the Trustees is that all Social Security reserves will be depleted in about 2033, necessitating an across the board cut of about 21% in everyone’s benefit. Time is running short, and we see signs that Congress is finally starting to seriously discuss Social Security reform.  

At AMAC, we have developed and submitted to various Congressional Representatives a reform plan which would restore Social Security to full solvency. You can see AMAC’s suggested plan at www.amac.us/social-security-guarantee. And AMAC is working every day in Washington, D.C. to promote Social Security reform to avoid future cuts in benefits. We believe and hope that Congress will eventually reform the Social Security program to avoid future benefit cuts but, unfortunately, not until they can muster sufficient bipartisanship to make the hard choices needed. To this end, contacting your Congressional Representative to demand Social Security reform now would be a good thing to do. The longer Congress delays reform, the harder the choices will be.

This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/social-security-advisory) or email us at ssadvisor@amacfoundation.org.

Ask Rusty – Should I Ask for Retroactive Benefits?

Dear Rusty: I turn 70 next month, October 3, and am making an application for Social Security benefits to begin in January 2026. I want the maximum Delayed Retirement Credits (DRCs) and the highest permanent monthly benefit. I do not want to leave money on the table, so should I request six months of retroactive benefits or at least retroactive to October when I turn 70? If I do this, will I lose DRCs and adversely impact my ongoing monthly benefit after February 2026? Signed: Turning 70 

Dear Turning 70: I must ask – why claim your Social Security to start in January? You are entitled to your maximum SS monthly benefit in the month you reach 70 years of age, so waiting until January doesn’t gain you anything. You could apply in August, specifying you wish your benefits to start in October, and you would get the maximum age 70 benefit you are entitled to (e.g., the maximum Delayed Retirement Credits available to you, and the highest possible monthly benefit).  

Since you are looking for your maximum DRC’s, to prevent SSA from giving you any retroactive benefits (which would permanently lower your monthly amount) you should enter in the “Remarks” section of your application that “I do not wish to receive retroactive benefits. I want my maximum monthly benefit effective with the month I turn 70 years of age.”  

If, however, for some reason you still wish to claim effective with January 2026, you should indicate in the “Remarks” section of your SS application that you only wish three months of retroactive benefits, for the months of October, November and December 2025.This is to prevent you from losing the money you would miss by waiting beyond October to claim. If you ask for benefits retroactive to any month earlier than the month you turn 70, your monthly benefit will be permanently reduced. 

Ask Rusty – Do I Need to Sign Up for an Online Social Security Account?

Dear Rusty: I recently I heard the tail end of a radio program which was discussing “signing up for my Social Security account.” I am now 76 years old and have been receiving my SSA monthly amount directly into a credit union account for years. Since the time when I applied to begin receiving Social Security, I have had no need to contact SSA again since everything is working fine. I do not like having to use the Internet. It seems the government is just giving me busy work and requiring me to remember usernames, passwords, etc. just when I am trying desperately to simplify my life. Can you shed any light on the need to sign up for an online SSA account by answering this:

1) What is the background regarding this “call” by the SSA to create an online account?

2) Why is the SSA wanting us to have “accounts”? Mysteriously, no one I have asked is able to give me a reason why we should have “accounts” on-line.

3) What happens if I do not sign-up for an “account”?

4) Is there a window of time during which we must “sign up”?

Thanking you in advance for any light you can shed on this issue. 

Signed: Concerned Senior

Dear Concerned: While creating an online Social Security account is recommended by the Social Security Administration, doing so is more of a convenience than a necessity. It is mainly a way to confirm your identity to Social Security in advance, in case you need to contact them in the future to make changes to your SS account. If you don’t plan to make any changes, then it is not mandatory for you to create an online “my Social Security” account. Nothing will change for you – you will continue to get your monthly benefits as you have been doing all these years.

Regarding your specific questions:

1. What is the background? Social Security has, for many years, been encouraging people to do business with them “online.” This is, essentially, a way to improve the efficiency of a) getting your needs handled more quickly, and b) improving SSA’s internal efficiency so as to handle more transactions with fewer staff. 

2. Why does SSA want you to have an online account? SS fraud has become an issue, with nefarious individuals constantly trying to get at a person’s Social Security (and other) government benefits. As part of its process for online access, SSA has evolved to a quite secure online identification process, which includes modern security techniques. These include things like “Two-Factor Identification” and use of certain specific identification measures through two main programs for access to government systems (known as LOGIN.gov and ID.me). These create a single pre-verified way to access multiple government systems (such as SSA, IRS, VA, etc.). It means that only one ID and password are required to access numerous government systems and ensures that those who access the account are the correct person. It is primarily a way to protect your benefits from others and prevent fraud.

3. What happens if I do not sign-up for an “account”? Nothing will happen, unless you have a need to change something with Social Security. For example, if you for some reason wanted to change the financial account to which your SS benefits are deposited. With a secure LOGIN.gov account you could make that change quickly using your online account. Without a secure online account, you would, instead, need to make an appointment to visit your local Social Security office to make the change and provide proof of who you are. Again, this is to reduce fraud.

4. Is there a window of time during which we must “sign up”? As indicated above, there is no time in which you must “sign up.” If you do not sign up for online access, and don’t need to change anything with respect to your SS benefits, then you do not need to create an online account.

So, while creating an online SSA account is highly recommended, it is not mandatory for those who have no need to interact directly with the Social Security Administration. 

Ask Rusty – Should I Take Social Security Now, or at age 70?

Dear Rusty: I was born in April 1958, and my plan has been to take my Social Security at age 70. However, my sister-in-law says that it is smarter to take it now while I am still working. I will be 70 in 2.5 years. Her husband collects his SS and has kept working. She believes their strategy will net more money than mine due to the fact he has continued to pay into the system, and she believes it has super boosted his monthly benefit. What say you? BTW, Lord willing and the creek don’t rise I plan on living at least till 87. Signed: Questioning My Plan 

Dear Questioning: You have already reached your SS full retirement age (FRA), so you can earn as much as possible without your SS benefit being negatively affected by Social Security’s Annual Earnings Test. In fact, if your current earnings are among the highest over your lifetime, your SS benefit amount will continue to increase because of your higher current earnings. You are now also earning Delayed Retirement Credits (DRCs), which will improve your monthly amount by .67% for each month (8% for each full year) you delay. That means that if you wait and claim at 70 you will get about 127% of what you would have gotten had you claimed at your FRA of 66 years and 8 months (plus you’ll also get all COLA increases which occur between now and then). So your life expectancy is key.  

It usually takes about 12 years to breakeven moneywise by claiming at age 70 vs. at FRA. In other words, if you claim at 70 instead of FRA, you’ll have received the same amount of SS money after you are 82. Thus, if your life expectancy is greater than age 82, you’ll get more in cumulative lifetime benefits by waiting until 70 to claim. Of course, no one really knows how long they will live, so it is a judgement you need to make. “Average” life expectancy for a man your current age is about age 84, but if you’d like to get a more personalized longevity estimate you can use this tool we use here at the AMAC Foundation: https://socialsecurityreport.org/tools/life-expectancy-calculator/ 

Another thing to keep in mind is whether your wife will get a widow’s benefit if you die first. A widow will get the higher of either her own SS retirement benefit, or the husband’s benefit amount when he died. So, if you claim at age 70, your surviving spouse will benefit (if her own SS is smaller) because you waited until 70 for your higher SS amount. Just something else to keep in mind. 

Yet another is whether your wife will be entitled to a higher benefit as your spouse while you are both living. (FYI, a spouse will get a “spousal boost” if her own SS retirement benefit at FRA is less than 50% of her spouse’s FRA entitlement). If so, your wife cannot claim her spousal benefit until you take your own SS retirement benefit. If your wife will be entitled to more as your spouse while you are both living, then delaying until age 70 means your wife cannot collect her higher spousal amount until you claim. Depending on your financial needs as a couple, that may affect your decision as well. 

When to claim is always a judgement call which should consider your life expectancy, your financial needs, and your marital status. If you don’t need the SS money now (while you are working) and believe you will, indeed, live “at least till 87,” then waiting would likely be your best long-term decision. If you have doubts about your life expectancy, and/or if your wife will substantially benefit from a “spousal boost” if you claim earlier, then claiming now would also be a wise choice. 

Finally, it’s also important to understand that your SS benefits may be taxable by the IRS and, if you are still working, your IRS tax rate will likely be higher now than it would be after you retire from working. (Note: The so-called “one big, beautiful bill” provides only temporary tax relief (thru 2028) on SS benefits – the IRS will still tax SS benefits but also allow a separate tax deduction to offset those SS taxes you pay).  

Ask Rusty – How Do I Navigate the Social Security Maze?

Dear Rusty: I am a woman, turning 65 this October (2025). It seems that deciding when to claim Social Security is complicated. I would like more information to navigate through this maze. Thank you. Signed: Ready to Claim 

Dear Ready: Deciding when to claim Social Security can be challenging, but we hope to make it a bit easier for you. You can, of course, call us at any time to speak to one of our certified Social Security Advisors, but I’ll share some pertinent information here as well. 

Be aware that at age 65, you have not yet reached your Social Security (SS) full retirement age (FRA). Born in1960, your FRA is age 67, and that is when you can get 100% of the SS benefit you’ve earned from a lifetime of working. If you claim SS at age 65, your monthly amount will be reduced by about 13.3% from your age 67 entitlement (a permanent reduction). If you wait a bit more and claim at age 66 the reduction would be about 6.7%. To get 100% of your “primary insurance amount” you should wait until age 67 to claim. Note you can also wait longer than your FRA and earn Delayed Retirement Credits up to age 70, when your monthly amount would be about 24% more than your FRA entitlement. 

If you are still working, at age 65 you will also be subject to Social Security’s Annual Earnings Test (AET) which limits how much you can earn when collecting SS benefits before your full retirement age. The earnings limit for 2025 is $23,400 (changes annually) and if you earn more than that, SS will take away $1 in benefits for every $2 you are over the limit. There is also a special rule for the first calendar year you are collecting early benefits, which will result in you not getting benefits for any month your work earnings are more than $1950 after your early benefits start. So, if you claim SS at age 65 and continue to work, you won’t get any SS benefits in any 2025 month thereafter that you earn more than the monthly limit (unless your total annual; 2025 earnings are less than the annual limit). FYI, the earnings limit no longer applies once you attain your full retirement age. 

In the end, deciding when you should claim Social Security should consider your need for Social Security money, your life expectancy, your plans for working, and your marital status. If you are (or were) married, you might be eligible for a spousal (or ex-spouse) benefit. You may also want to peruse the Social Security Q&A section at our website www.SocialSecurityReport.org. So, as you have already discerned, deciding when to claim Social Security can be confusing, but we are always here to assist you as needed. You can either call us directly at 1.888.750.2622 or email your specific Social Security questions to us at SSAdvisor@amacfoundation.org. In either case, we will be most happy to help you decide when to claim, based on your unique personal circumstances. 

When Will My Disability Become My Regular Social Security?

Dear Rusty: I hope you can answer this question. I’m currently receiving Social Security Disability benefits, and I will be turning 65 in February 2026. I’m confused as to how Social Security Disability transitions to regular Social Security, and when. I assume it’s age 65 but maybe it’s my retirement date? Also, does the amount remain the same or will it change? I’m not working. I’ve been on SSDI for about 15 years. Thank you. Signed: Disabled Senior

Dear Disabled Senior: If you are collecting Social Security Disability Insurance (SSDI) benefits, those SSDI benefits will automatically convert to become your regular Social Security retirement benefit when you reach your SS full retirement age (FRA) which, in your case, is age 67. For information, FRA today is somewhere between age 66 and 67, depending on your year of birth, and the full retirement age for everyone born in 1960 or later is age 67.

The change from SSDI to your regular Social Security benefit will be transparent to you because your monthly benefit amount will remain the same. SSDI benefits were originally awarded to you based upon your full retirement age entitlement when you applied for SSDI (even though you hadn’t yet reached your FRA when you went on SSDI). Thus, the monthly benefit amount will not change because it is based on your lifetime earnings record, from before you became disabled.

FYI, although age 65 was once Social Security’s “retirement age,” full retirement age for Social Security today is based on the year you were born. So, your SSDI benefit will automatically switch to become your regular Social Security retirement benefit as soon as you reach age 67. Essentially, the only thing that will change is the Social Security Trust Fund from which your benefits will be paid.

Can I Claim My Own SS Benefit Now and Get Half of My Husband’s Benefit Later?

Dear Rusty: I would like to get an answer concerning taking my Social Security benefit soon and switching to my spouse’s benefit when he begins to take his. I am 64 years, 9 months old and my husband is 65 years, 7 months. My benefit is low due to the fact that I did not work for about 25 years while raising our children. My benefit would be $573 at age 65. My husband’s benefit at age 67 will be $3,326. My first question is: can I receive half of my husband’s benefit once he begins drawing his? Secondly, if I draw my benefit now will that reduce the amount I can draw from his benefit later? Signed: Uncertain Spouse  

Dear Uncertain: As you may know, the full retirement age (FRA) for both you and your husband is 67. If either of you claim before your FRA your monthly SS retirement amount will be permanently reduced and, if you are currently working, you will be subject to Social Security’s Annual Earnings Test (AET) which limits how much you can earn while collecting early benefits. The earnings limit for early filers is $23,400 for 2025 (changes yearly) and, if that is exceeded, SS will take away some of your benefits ($1 for every $2 over the limit). They “take away” by withholding future payments until the penalty is satisfied.  

That said, if you claim your personal SS “soon” (e.g., at age 65), you will get about 87% of the amount you would get by waiting until your FRA to claim. You would, indeed, get a “spousal boost” when your husband claims, but you would not get 50% of his age 67 amount. That’s because of the way spouse benefits are calculated. When your husband claims, you will get a “spousal boost” added to your early benefit amount ($573?). The amount of that spousal boost will be computed as ½ of your husband’s FRA amount (e.g., $1663), minus your FRA entitlement (likely about $661) for a spousal boost of about $1002. But since you won’t have yet reached your FRA when your husband claims, the amount of the spousal boost will also be reduced (to about $926), which will be added to your age 65 amount of $573 for a total monthly spousal benefit of about $1499. 

So, the answers to your two questions are: 

1. Because you claimed your Social Security retirement benefit early and won’t yet be your full retirement age when your husband claims, you will not get half of your husband’s benefit when he claims. You would likely get about 45% of his benefit. 

2. If you take your own SS retirement benefit now, you will get a higher benefit when your husband claims, but the amount you get will be less than half of his FRA entitlement. 

 

The only way you can get the full 50% of your husband’s FRA benefit entitlement is to wait until your own full retirement age to claim Social Security. 

Should I Claim Social Security Early Because it is Going Bankrupt?

Answer

Louis F. Haffen (1854-1935) was the first Borough President of the Bronx. The son of a German dairy farmer and beer brewer, he was born on November 6, 1854 in Melrose, Westchester County (now the Bronx) at Courtlandt Avenue and Elton Street (now 152nd Street). Haffen attended St. John’s College (now Fordham University), Niagara College, and Columbia University, completing his education in 1879 with degrees in Civil Engineering and Law. In 1882 he went west to work in the mines of Colorado, Arizona and California, but returned to the Bronx the following year to become City Surveyor. Haffen joined the Parks Department in 1883 as an engineer and soon rose to Parks Superintendent. From 1893 to 1898, he served as Commissioner of the Department of Street Improvements for the west Bronx.

Dear Rusty: My best friend is going to be 62 and wants to begin taking her Social Security immediately. Her reasoning not to wait is the thought that it is going to run out in 10 years, so she wants as much of her money before that happens. I have paid into Social Security my entire working life (44 years and counting). What are your thoughts on taking it as soon as you are eligible? Signed: Uncertain what to do

Dear Uncertain: Deciding when to claim Social Security is a sometimes-confusing task, but no one should ever claim SS early because they believe Social Security will go bankrupt in the near future. Social Security cannot and will not go bankrupt. What your friend may be referring to is the fact that Social Security will be facing some financial issues in 2033 unless Congress acts soon to reform the program. And they will act, but likely not until they must.

The fact is, Social Security still has about $2.7 trillion in reserved funds which are now being used to pay full benefits. If that Reserves balance were to be fully depleted, then Social Security would need to go to a “cash basis” (essentially, paying out in benefits only what is received in SS taxes), which would result in about a 21% cut in everyone’s benefit. In other words, even if Congress neglected to reform the program, beneficiaries would still get about 79% of their monthly benefit starting in about 2033/2034. Hardly anyone believes that Congress will fail to eventually reform Social Security, and, in fact, they already know how to do that reform (they just currently lack the bipartisanship to accomplish it). But neglecting reform would amount to political suicide for all members of Congress, which is extremely unlikely to happen.

Here at the AMAC Foundation, we are confident that Congress will soon address Social Security’s future financial dilemma, and we have been working on potential solutions. We have, for several years, been providing these suggestions to various members of Congress, and those members are now considering our proposals. Thus, we do not suggest making a Social Security claiming decision based on fear of the program going bankrupt. That fear is unfounded. Instead, we suggest that everyone decide when to claim based upon their individual personal situation, considering their need for the SS money, their life expectancy, and their marital status. And remember, claiming early (before one’s SS full retirement age (FRA)) also means Social Security’s Annual Earnings Test (AET) will apply (the AET limits how much can be earned from working before FRA is attained).

So, our thought on the wisdom of taking Social Security as soon as you are eligible is that it is often not a wise decision, and certainly not if that decision is made based on fear of Social Security “not being there” soon. Instead, we suggest making your Social Security claiming decision based upon your unique personal circumstances, including, especially, your life expectancy, financial need, and marital status.

Should my Spouse be getting half of my Social Security amount?

Dear Rusty: I was referred to you to ask a question about Social Security benefits. I receive about $1,700 a month from Social Security while my husband receives only approximately $750 monthly. Is he entitled to file for half of my Social Security as a monthly benefit without touching my amount? Signed: Curious Wife

Dear Curious Wife: For information, spousal benefits are one of the most misunderstood areas of Social Security. A spouse does not always get half of their partner’s Social Security benefit – how much the spouse gets is determined by their age when the spouse benefit is claimed, and it is always based upon both partner’s full retirement age (FRA) benefit, regardless of when they actually claimed Social Security. The partner with the lower SS benefit can only get half of the other spouse’s FRA amount if that partner takes the spouse benefit at (or after) their personal SS full retirement age (FRA). And each spouse’s FRA may be different depending on the year they were born (FRA today is somewhere between age 66 and 67, depending on the person’s year of birth).

Here are two basic rules for a lower earning marital partner to get spouse benefits:

• The lower earning spouse’s FRA entitlement must be less than 50% of the higher earning spouse’s FRA entitlement. FRA amounts are used, even if SS benefits were claimed earlier than, or later than, full retirement age, and FRA amounts are frequently different than the monthly amounts actually being received.

• If one spouse’s FRA amount is less than 50% of the other spouse’s FRA amount, the difference between those two amounts can be added to the lower earning spouse’s SS retirement amount, to become their spousal benefit. That may, or may not, equal half of the higher earning spouse’s FRA amount.

So, if you claimed your Social Security exactly at your own full retirement age, and your husband also claimed his Social Security exactly at his own full retirement age, then – based on the numbers you provided – your husband is likely entitled to about $850 per month, instead of his current $750. And that would not affect your own SS benefit in any way.

Your FRA entitlement would need to be more than twice your husband’s FRA entitlement for him to receive a spousal boost from you. But if either of you claimed Social Security before (or after) your respective full retirement ages, your husband would not get 50% of your benefit.

I’d like to retire early, but don’t want my Social Security reduced

Dear Rusty: I will be 65 this year and my husband is 72 (he retired in 2019 at age 66). I would like to retire and enjoy some time with him before he gets too much older. I do not want to have my benefits cut by retiring earlier, but I don’t see a way to be able to do that. My benefit will be $1343 on my full retirement age (FRA). If I took half his retirement when he retired, it would be less than mine. If I take early retirement and he passes away before me, would I get his full benefit as his survivor, or will it be cut? We are trying to figure it out. His current benefit (before Medicare Part B) is $2978. It’s very confusing. Signed: Confused and Wondering

Dear Confused: Whenever any Social Security benefit is claimed earlier than full retirement age (FRA), the monthly amount is permanently reduced. If you were to retire at age 65, your Social Security benefit would be reduced by about 13% – in other words, if your FRA (age 67) amount is $1343, at 65 you would get about $1164. And at age 66 you would get about $1253 per month.

Whether you would be entitled to a “spousal boost” from your husband depends on how your FRA amount compares to 50% of his FRA entitlement. If your FRA amount is less than 50% of his FRA amount, then you would get a “spousal boost,” but the amount of that boost would also be reduced if you claim before your FRA. (Note: from the numbers you provided, you may be entitled to a spousal boost and, if so, it would be applied by Social Security when you claim).

Also, FYI, if you take SS before your FRA and are still working, Social Security has an annual earnings test which limits how much you can earn while collecting early benefits. If you earn more than $23,400 in 2025, you will likely not get all of your monthly SS payments (SS will take away some monthly benefits if you exceed the earnings limit). Of course, if you retire from working, this will not be a problem, because earnings before you claim SS won’t count toward the limit.

When you claim your SS retirement benefit now will not affect your survivor benefit from your husband later. If your husband passes first, your benefit as a surviving spouse would be based on the amount your husband was receiving at his death. But if you were to claim your widow’s benefit prior to your FRA, your survivor benefit would also be reduced (the amount of reduction depends on how much before your FRA you claim your survivor benefit). If you claim your widow’s benefit at or after you FRA, you will get 100% of the amount your husband was receiving at his death (instead of your own smaller amount). It will only be reduced if you claim before your full retirement age.

DIVAS ON A DIME

Batch Cooking Ground Beef -- Your Slow Cooker's New Superpower

BYLINE: By Patti Diamond
PHOTO CREDIT: www.JasonCoblentz.com
PHOTO CAPTION: A colorful, Imagine spending just a few minutes preparing ground beef, stepping away, then returning to find perfectly cooked, flavorful meat ready to use. Batch-cooking hamburger in a slow cooker saves time, money and sanity, giving you tender, ready-to-season beef without hours in the kitchen.
Skeptical? You’re not alone. You might wonder, “It won’t be browned — will it taste good?” Trust me, you’re in for a tasty surprise! The beef emerges juicy and fully cooked. If browning matters, simply crisp it quickly in a skillet before using. But honestly, once mixed into soups or casseroles, no one can tell — it just tastes great and saves so much time. Try it once, and you’ll wonder why you waited so long!
SLOW COOKER BATCH-COOKED GROUND BEEF
Yield: 12 cups
Total Time: 3 to 5 hours (mostly unattended)
5 pounds ground beef (85% lean / 15% fat)
1 cup beef broth or water
1 tablespoon kosher salt
1 teaspoon ground black pepper
1 tablespoon granulated garlic
2 tablespoons dried minced onion
Place ground beef in slow cooker, breaking into chunks. Pour broth or water over meat, sprinkle evenly with salt, pepper and seasonings. You can adjust the seasoning later when using the beef in specific recipes to suit your taste preferences.
Cover; cook on high 2 1/2 to 3 hours or on low 4 to 5 hours. Once cooked through, carefully drain excess fat and liquid. Break meat into crumbles.
Cool before portioning into airtight containers or freezer bags. Refrigerate for up to 3 days or freeze for up to 3 months.
Now that you’ve got all this delicious, precooked beef, you might be wondering — what tasty meals can I create with it? Here are some easy, crowd-pleasing recipes to get you started.
SPAGHETTI WITH QUICK MEAT SAUCE
Yield: 4 servings
Total Time: 20 minutes
12 ounces spaghetti
1 tablespoon olive oil
1 cup onion, chopped
2 cloves garlic, minced
8 ounces mushrooms, sliced, optional
2 cups cooked ground beef
2 teaspoons Italian seasoning
Salt and pepper, to taste
1 jar (24 ounce) marinara sauce
Grated Parmesan cheese, for garnish
Cook spaghetti according to package directions; drain and set aside. In a large skillet, heat olive oil over medium heat. Saute onion for 3 minutes, add garlic and cook until fragrant, about 1 minute. Saute mushrooms with the onion mixture. Add cooked ground beef to the skillet; heat through. Season with salt and pepper and Italian seasoning. Pour in marinara sauce; stir to combine. Simmer for 5 minutes. Toss the cooked spaghetti with the meat sauce. Serve topped with Parmesan cheese.
MEXICAN BEEF AND RICE CASSEROLE
Yield: 4 servings
Total Time: 25 minutes
2 cups cooked ground beef
3 cups cooked rice
1 can (15 ounce) black beans, drained and rinsed
1 cup salsa
1 cup shredded cheddar cheese
1 tablespoon chili powder
1 teaspoon cumin
Salt and pepper, to taste
Sour cream and chopped cilantro, for garnish
Preheat oven to 350 F (175 C).
In a large bowl, combine ground beef, rice, black beans, salsa, chili powder, cumin, salt and pepper. Transfer mixture to a greased 9-x-13-inch baking dish. Sprinkle cheese on top.
Bake for 20 minutes, until cheese is melted and bubbly. Serve with sour cream and chopped cilantro.
What else can you make? Use precooked beef in tacos, sloppy Joes, chili, pizza toppings, quesadillas or hearty salads. Quick meals just became effortless! Enjoy your extra free time. Until next time — keep it fabulous, keep it frugal and savor every bite.
***
Lifestyle expert Patti Diamond is the penny-pinching, party-planning, recipe developer and content creator of the website Divas On A Dime — Where Frugal, Meets Fabulous! Visit Patti at www.divasonadime.com and join the conversation on Facebook at DivasOnADimeDotCom. Email Patti at divapatti@divasonadime.com