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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
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 Awareness, Alzheimer’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/
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-
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 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.page; sharing 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.”
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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 Facebook, Twitter and Insta
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-
For more consumer protection tips, follow the Division on social media at Twitter: @NYSConsumer and Facebook: www.facebook.com/
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 Facebook, Twitter 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 Facebook, Twitter 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
FBI report on senior scam losses
BYLINE: By Matilda Charles
—
This is painful to write: The FBI’s 2025 report says that seniors lost over $7.7 billion to scams — in one year. Complaints to their Internet Crime Complaint Center (also called IC3) showed losses had increased by 59% — again, in one year.
The information was grim. Where IC3 used to get a few thousand complaints per month, they were seeing 3,000 per day. Over the course of the year, seniors logged over 201,000 complaints. The average loss was over $38,500, with phishing/spoofing, tech/customer service and investment scams heading the list. Following on the list were personal data breaches, confidence/romance scams and non-payment/non-delivery.
Dollar amounts for all age groups put investment losses clearly at the top of the list, by a wide margin: over $8 billion. Even at the very bottom of the long list of types of crimes, charity losses were nearly $8 million.
Where seniors were scammed with romance fraud, the losses were over $548 million, money that they’ll likely never get back. We were scammed by tech/customer support to the tune of $1 billion, and seniors topped the list of all age groups with $4 billion in cryptocurrency losses.
To see the whole FBI report, go to www.ic3.gov/AnnualReport/Reports/2025_IC3Report.pdf. As you scroll through the 66 pages of the report, note the sections with advice, especially the section on recovery scams and thieves impersonating the FBI while pretending to help you recoup your losses.
Note the section that compares 2023, 2024 and 2025 for all types of senior complaints. With the exception of extortion, which had a short pause in 2024, all categories rose over the years.
An important sentence near the top of the report: “It has never been more important to be diligent with your cybersecurity, social media footprint and electronic interactions.”
There’s our warning. We must be diligent.
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.org, www.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.
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:
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.
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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:
- 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.
- 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.
- 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.
- If you are suspicious, call the alleged bank or financial institution directly to understand the protocols for alerting customers of potential fraud.
- 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.
- 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/
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-
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 – I’m being Released from Incarceration. What Are My Social Security Options?
Dear Rusty: In a previous column, you wrote about people who filed for Social Security late in life. I am currently incarcerated and will be filing for Social Security in the fall of 2029. I will be 74 years old in the first week of January 2029. Unless I read it wrong, could I be eligible to collect the previous 6 months? If this is so, how would that work? Would I get that all at once or incrementally? According to the chart we once got in the mail, I should be collecting the maximum amount. I’ve worked all of my life and never collected Social Security before. Also, my ex-wife remarried and has since passed away. Do I qualify for part of her Social Security? Signed, “D” in Danbury
Dear “D” in Danbury: I’m afraid you cannot receive Social Security benefits while you are incarcerated, even if you are eligible for them prior to your release. Thus, you cannot get retroactive Social Security benefits for any period you were still incarcerated. For clarity, although most who apply at a later age (e.g., in their 70s) do have the option to claim retroactive benefits, you cannot get any SS benefits for any month you were still incarcerated. Further, you will not get credit for delaying your application for SS benefits while you are incarcerated (you won’t earn Delayed Retirement Credits (DRCs) during your incarceration).
Assuming (from what you shared) that you expect to be released from incarceration in the fall of 2029, you can apply for your SS benefits to start upon your release. Be aware, however, that it usually takes several months for your application for SS benefits to be processed, and you can specify the month you wish your benefits start. Your benefit amount will be based upon your average monthly earnings for the 35 highest earning years over your lifetime. But you cannot get retroactive SS benefits for time prior to your release from incarceration. Since Social Security does not pay benefits for partial months, you can file for your SS benefits to start effective with the month following the month in which your incarceration ends. Be sure you have your official prison release documentation (parole or discharge papers) in hand when you apply for your Social Security benefits.
FYI, some correctional facilities have a “Prerelease Agreement” with Social Security, which may enable you to file for your SS benefits three to four months prior to your release from incarceration. Be sure to check with your facility to see if they have such an agreement with Social Security and, if so, use it to apply for your benefits in advance of your release. This will facilitate your SS benefits starting more quickly upon your release.
You did not ask about healthcare coverage, but since you will be eligible for Social Security, you will also be eligible for Medicare upon your release. When you apply for your Social Security benefits, you can also apply for Medicare Part B (coverage for outpatient medical services), the premium for which will be deducted from your Social Security payment. FYI, Medicare Part A (coverage for inpatient hospitalization services) is free and automatic because you are also eligible for Social Security.
Finally, regarding survivor benefits from your ex-wife, you can only get a surviving ex-spouse benefit if you were married for more than 10 years and your own SS retirement amount is less than your ex-wife was receiving at her death. In other words, you can only get one SS benefit – either your own or your deceased ex-wife’s amount, whichever is higher.
Ask Rusty – Help! SSA Says I’m Not Eligible for Benefits
Dear Rusty: Help!! The Social Security Administration says I didn’t pay enough into my Social Security account, despite being a business owner and paying taxes. What can I do?” Signed: Self-employed American
Dear Self-employed: For all potential SS beneficiaries, it is very important to know how Social Security determines if you are eligible for retirement benefits: Everyone (including the self-employed) must have earned at least 40 “quarter credits” contributing to the SS program, which is usually about 10 years’ worth of earnings.
You can earn up to four “quarter credits” per year, depending on your earnings, including your net earnings from self-employment. For example, this year (2026) you will get one “quarter credit” for each $1,890 of earnings, up to four credits maximum for the year. As a self-employed business owner, only your net earnings are counted (e.g., after all your reported business deductions are taken). The SSA gets your earnings information from the IRS, so SSA goes by whatever information you submitted in the self-employment income tax returns you submitted to the IRS over the years. If you don’t have at least 40 “quarter credits” over your lifetime, you won’t be eligible for Social Security retirement benefits.
The best way to further investigate this is to create your personal “my Social Security” online account at www.ssa.gov/myaccount. When you have done that, you will be able to see how many quarter credits you currently have (apparently less than 40) and determine how much more you must earn to be eligible for SS retirement benefits. For example, if you have 36 or more credits now, you could likely work just another year, or part of a year, to be eligible for SS benefits next year. Knowing how many “credits” you now have will tell you how much more in annual net earnings from self-employment you must have to become eligible for SS benefits.
When you create you online SS account, you will also be able to see your entire lifetime record of your earnings reported to Social Security, and you should review that record to make sure that your lifetime earnings have been correctly reported to Social Security. If there are any discrepancies in your lifetime earnings record, they can be corrected by using form SSA-7008. You can find additional guidance on this at the following SSA web link: www.ssa.gov/pubs/EN-05-
Ask Rusty – About Social Security’s “First Year Rule” and Withdrawing from SS
Dear Rusty: I am 63 years old, and about to apply for my Social Security benefits. I am self-employed but only working part time. I know about Social Security’s annual earnings limit but recently I learned I must also be concerned about a monthly earnings limit of $2,040. My questions are:
1) How do I find out if I will be subject to a monthly earning limit of $2,040 per month? I thought it was only evaluated annually.
2) If I choose to cancel Social Security within the first year or after, what are the penalties? Would I have to pay them back for the whole amount for the whole time that they paid me? Which makes no sense, since I have been paid into SS since I was 13 years old.
Can you help me understand this? Signed: Claiming Early and Still Working
Dear Claiming Early: It can get tricky if you are still working after claiming your Social Security before your SS full retirement age (FRA), especially during your first year collecting. I’m happy to answer your specific questions:
1. There is a special rule which applies during your first year collecting early Social Security benefits (e.g., before your full retirement age or “FRA,” which for you is age 67). What will happen is this: when the IRS provides SSA with your 2026 earnings (in 2027), SSA will review to see if your total 2026 net earnings from self-employment exceeded the 2026 annual limit of $24,480. If not, no further action is necessary. But if you did exceed the full year 2026 earnings limit, SSA will contact you and ask you to provide them with details about your monthly 2026 net earnings. If you have exceeded the monthly limit in any 2026 month after your SS benefit started, you will not be entitled to SS benefits for that month. Essentially, if you have exceeded the annual limit, you cannot exceed the monthly earnings limit in any remaining month during your first year of collecting. If you exceeded the annual limit, and also any monthly limit, SSA will send you an overpayment notice saying you must repay them for the benefits you were not entitled to receive because you exceeded the monthly earnings limit.
2. You can, within 12 months of applying for Social Security, ask SSA to withdraw your application for SS retirement benefits. They will do that for you, but you will also be required to repay them all SS benefits that they have already paid to (or for) you. This essentially would “wipe the slate clean” and enable your SS benefit to continue growing, allowing you to apply for a larger monthly benefit later. But if you wait longer than 12 months after you first apply for SS benefits, you can no longer withdraw your application for Social Security. Thereafter, you would be subject to the annual earnings limit (the monthly earnings limit would no longer apply).
FYI, after you reach your FRA, there is no limit on your earnings, and you could choose to suspend your benefit payments and earn Delayed Retirement Credits (DRCs) to get a higher monthly benefit. Also at your FRA, if SSA withheld any of your benefits because you exceeded the earnings limit before reaching your FRA, you would get time credit for the number of months your benefits were withheld. Essentially, they would advance your benefit-start month by the number of months your benefits were withheld, yielding a slightly higher monthly amount after your FRA.
Finally, it’s important to know that the contributions you made to Social Security from payroll taxes (FICA/SECA) over your lifetime are not what determines your monthly SS benefit amount. Your monthly SS benefit is based on two main factors: a) your average monthly earnings (indexed for inflation) for the highest earning 35 years over your lifetime as reported to the IRS, and b) the age at which you claim your SS benefits. Your contributions to Social Security while working only provide you with eligibility to collect SS benefits; the contributions aren’t put into a separate account for you and are not used to calculate your monthly SS benefit.
Ask Rusty – I’m Still Working; Why Didn’t I Get a Higher Social Security Benefit?
Dear Rusty: I began collecting benefits at age 72 and am now 78. Since that time, I have continued to work and have contributed over $40,000 to Social Security over the last six years. At the time of my retirement, I was informed that the Social Security Administration (SSA) would review my contributions annually and replace lower-earning years from my 35-year record with my current higher-earning years.
Despite my current annual income exceeding $100,000, I have not seen an increase in my benefit amount over the past six years. I recently met with an SSA representative who confirmed that my benefits are being reviewed annually but did not provide specific details or evidence of these adjustments. Could you please advise me on how to formally verify that my benefits are being accurately reviewed and updated to reflect my continued contributions? Signed: Collecting and Still Working
Dear Collecting: For information, your contributions (from FICA payroll taxes) to Social Security over the last 6 years are not what determines if you get an increase to your monthly SS benefit. Although you contributed to SS since you started receiving SS benefits, those contributions do not affect your monthly SS benefit. Your monthly SS benefit is based only the highest inflation-adjusted 35 years of earnings over your lifetime. And for your monthly benefit to change, your current earnings each year would need to replace at least one of those 35 historical, inflation-adjusted year
We regularly hear from those who do benefit from SSA’s regular review of work earnings after they start receiving monthly SS benefits, and our Advisory staff includes two individuals with a combined 70 years of service with the Social Security Administration. Thus, we are comfortable saying that SSA does, in fact, review your earnings annually to see if your monthly SS payment should be higher. From a process standpoint, SSA receives your annual earnings information from the IRS (i.e., directly from your annual tax return) by mid-year annually, after which SSA evaluates your recent earnings to see if an increase in your monthly SS benefit is warranted. If so, that increase is automatically applied (usually around October each year), and you are paid the extra amount retroactively to the beginning of the year.
What you may not realize is that your lifetime earnings (your historical earnings) are adjusted for inflation. This is a good thing, because that means your current monthly SS benefit is calculated using today’s dollar values for your past earnings, rather than the actual money amounts you originally earned and received. For example, $50,000 of 1990 earnings would be worth about $125,000 today. Which also means that those 1990 earnings would only yield a higher current Social Security benefit if your recent earnings were more than $125,000. And this is true for all 35 years of lifetime earnings used to calculate your current monthly Social Security benefit.
The best way for you to ensure that you are getting the right monthly benefit amount is to first obtain your lifetime earnings history from Social Security. This is most easily obtained through your online “my Social Security” account at www.ssa.gov/myaccount. If you don’t have an online account set up, you can also request an “Earnings Statement” by calling Social Security at 1.800.772.1213 (or call your local SS field office to request it). Next, I suggest you use Social Security’s “Online Benefits Calculator” explained and available at this link:
https://www.ssa.gov/benefits/
If, after this, you believe you should be getting a higher monthly SS benefit because of your recent earnings, you can again contact SSA and tell them you believe they did not properly adjust your current SS benefit for your most recent earnings. Following that, you can submit a “Request for Reconsideration” (form SSA-561) which will result in a full separate review of your case by an independent SSA person, followed (some months later) by a formal written determination on your assertion. If you received a letter from SSA because of your previous meeting with them, include a copy of that letter with your “Request for Reconsideration.”
Ask Rusty – Should I collect SS now or wait two years until age 70?
Dear Rusty: I am 67 and 9 months old, collecting a modest SS survivor benefit with plans to collect my own much larger benefit at age 70. I was confident this plan was a good one; but recent turbulent events make me nervous that cuts could come to Social Security at any time without warning. Would it be prudent to file for my own Social Security as soon as possible so that my benefit might be “grandfathered” in before any sudden and drastic cuts occur? I do not generally panic, but these are unprecedented times. I would be quite comfortable with the benefit listed on my 2024 statement for my current age; I was just hoping to maximize the benefit by waiting.
When I go to the Social Security website to view my 2025 annual statement to see the personalized monthly retirement benefit estimates for ages 68, 69, and 70, that section no longer shows. This omission makes me uncomfortable. Can I find out what my current benefit estimate would be for ages 68, 69, and 70? Or should I just rely on the 2024 statement? Signed: Nervous in Portland
Dear Nervous: Please do not be nervous that recent “turbulent events” pose a threat to your future Social Security benefits. Those events do not, in any way, jeopardize your future Social Security benefits, because Social Security is completely separate from all other federal political issues and finances. The primary problem with Social Security became an issue long before the current administration took office.
The Trustees of Social Security have been warning Congress for decades that Social Security’s finances require Congressional attention. The fact is that Social Security revenue (as predicted decades ago) became insufficient to pay all benefit obligations in about 2021. Since that time, money from Social Security’s reserved funds (Trust Funds)has been used to pay full benefits to all. In 2020, there was nearly $3 trillion in SS reserved funds, but that has now dwindled to about $2.5 trillion as reserves are used to supplement SS payments. And that problem continues. The Trustees of SS now predict that the reserves will be fully depleted in about 2032, at which time – lacking program reform by Congress – Social Security will be forced to pay out only what it receives in revenue. And that would mean an estimated cut of about 23% to everyone’s monthly SS benefit. In the unlikely event that happens, wouldn’t a 23% reduction to your larger age 70 benefit be better than a 23% cut to your lower age 68 benefit?
No one wants those cuts to happen – least of all politicians – because it would amount to political suicide (seniors are, after all, a very large voting bloc). Thus, we believe that Congress will act to reform Social Security to prevent any general benefit cuts from happening. It will, however, require Congressional bipartisanship because the reforms needed for Social Security are likely unsavory to some. Those reforms may include SS tax increases and changes to the basic structure of the SS program to align it with today’s demographic reality. The program needs reform, which Congress has, unfortunately, neglected to provide for many years. And this neglect will likely also continue, at least through the forthcoming mid-term elections. It seems the nature of Congress is to wait until the last possible moment to offer corrective legislation.
Here’s what to keep in mind: Congress already knows how to reform Social Security to avoid any future benefit cuts – they just lack the bipartisanship to accomplish that reform. For our part, the Association of Mature American Citizens (AMAC) has offered to Congress a commonsense reform plan via its “Social Security Guarantee (SSG).” AMAC’s proposal has received a positive reception in Congressional circles, and we are optimistic that the proposal will provide financial stability to the program for generations. AMAC continues to advocate for SS reform in Washington, D.C. on a regular basis, even more intensely as the depletion of the SS Trust Funds grows closer.
We do not suggest changing your strategy for claiming Social Security benefits based upon fear the program will cut benefits. That’s because it’s unlikely that all benefits will be cut because we believe Congress will eventually enact reform. And even in the unlikely event that Congress neglects to reform the program by 2032, the percentage of reduction to a higher monthly SS benefit amount would be better than a similar reduction to a lower benefit amount. In other words, your original plan is still a prudent one.
Regarding your question about your estimated benefits, I expect your most recent SS statement didn’t include future benefits because you are already collecting SS survivor benefits. You can contact SSA at 1.800.772.1213 to obtain the future SS retirement estimates you seek.
Ask Rusty - Must I Set Up a Social Security Account to Enroll in Medicare?
Dear Rusty: I turn 65 this November 2026. Someone told me I need to set up a Social Security account at least 3 months ahead of time before applying for Medicare for the first time. I do not intend to take any Social Security benefits until, perhaps, age 67 or later. Please advise and thank you. Signed: Looking Ahead
Dear Looking Ahead: You don’t technically need to “set up” an online SSA account to enroll in Medicare, but it would be more efficient to do so. We always recommend creating your online “my Social Security” account at www.ssa.gov/myaccount well before you are ready to claim your Social Security benefits. That’s because you can monitor your projected Social Security benefits to help you decide when to claim, but it also facilitates other things you might need to do at the Social Security Administration (such as claiming your SS retirement benefits online and enrolling in Medicare online).
As for Medicare, you can enroll in Medicare up to 3 months before the month you turn 65, and you can contact the Social Security Administration by phone up to 3 months prior in order to schedule an appointment to enroll over the phone (call 1.800.772.1213 to make the appointment). You can enroll via telephone, even if you don’t have your “my Social Security” online account set up. However, an advantage to creating your personal online Social Security account Is that you could then enroll in Medicare online as described at this link: www.ssa.gov/medicare/sign-up. And you can, as you wish to do, enroll only in Medicare without also taking your Social Security benefits at this time.
I want to also make you aware that if you are still working and have “creditable” healthcare coverage from your employer (“creditable” is an employer group plan with at least 20 participants), then you can delay enrolling in Medicare until your employer coverage ends (thus saving the usual Medicare Part B monthly premium). When your employer’s healthcare coverage ends, you will enter a Special Enrollment Period during which you can enroll in Medicare without incurring a Late Enrollment Penalty.
Finally, please be aware that whenever you claim your Social Security benefits, you will be automatically enrolled in Medicare Part A (inpatient hospitalization coverage) and Part B (coverage for outpatient medical services). Since there is a monthly premium associated with Medicare Part B (but not with Part A), you can choose to decline Part B if you are still working and covered by your employer’s creditable healthcare plan, until your employer’s healthcare coverage ends
Ask Rusty – If Either of us Die, Will the other Get a Social Security Survivor Benefit?
Dear Rusty: I am 79. My husband is also 79 and we both receive Social Security benefits. We were both married before, and we married each other at the age of 58. Am I to understand correctly that when either of us dies, the surviving spouse is not eligible to collect the deceased spouse’s Social Security benefits? Please correct me if I am wrong. Signed: Curious Spouse
Dear Curious Spouse: A surviving spouse only gets one benefit – either their own SS retirement amount, or their deceased spouse’s amount, whichever is more. So, the Social Security benefit that the deceased was receiving at death will be paid to the surviving spouse, replacing any smaller SS payment the survivor was already collecting. To be sure you are aware, the surviving spouse will also be eligible for a one-time lump sum death benefit of $255 (I know it isn’t much, but it should be claimed anyway).
Also, unless the surviving spouse was already receiving a spousal benefit while both partners were living, the surviving spouse will need to contact Social Security at 1-800-772-1213 (or at the local SS field office) to make an appointment to apply for their survivor benefit.
One other thing to be aware of since you were both married before: if either of you die, and your first marriage lasted at least 10 years and your ex-spouse has also died, the surviving spouse will have a choice to collect a survivor benefit from either the ex-spouse, or the most recently deceased spouse, whichever amount is more. But, again, you can only collect one benefit payment as a surviving spouse – either from your ex-spouse or from your recently deceased spouse, whichever benefit is higher.
FYI, survivor benefits are a confusing area of Social Security, so you might also find informative this article I recently published, as it goes more deeply into surviving spouse benefits (including benefits for surviving minor children and surviving adult disabled children). Read the article titled “Demystifying Social Security Survivor Benefits” at www.amacfoundation.org/
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 (amacfoundation.org/programs/
Dear Rusty – I Want to do Everything Right When I Claim Social Security
Dear Rusty: I will be 62 in two years. I plan on signing up for SS at age 62, but I have heard there are details that are important when signing up. When it comes time, I want to make sure I do everything right. Can you help me understand? Signed: Claiming Soon
Dear Claiming Soon: Deciding when to claim your Social Security benefit is a decision you should make only after careful consideration of your personal circumstances. And details are, indeed, important. For example, if you claim at age 62 (when you first become eligible), your monthly SS benefit will be only 70% of the amount you would get by waiting until age 67 to claim. And there are other considerations as well, including:
• If you are still working and claim at 62, you will be subject to Social Security’s Annual Earnings Test (AET) which limits how much you can earn from working while collecting early SS benefits. The earnings limit changes each year, and for 2026 it is $24,480. If the annual limit after you claim early is exceeded, SS will take back $1 in benefits for every $2 you are over the limit. And, if your work earnings substantially exceed the annual limit, you may even be temporarily ineligible for early SS benefits (until you either stop working full time or reach your SS full retirement age). FYI, the AET lasts until you reach your FRA (age 67).
• The benefit reduction for claiming SS early is permanent. After you claim, you will only get increases for Cost-of-Living Adjustments (COLA) which occur annually according to inflation. FYI, the average annual COLA adjustment is about 2.5%.
• If you are married, the reduced benefit you get by claiming early will potentially be the basis of your spouse’s survivor benefit if you pass first. Surviving spouse benefits are based on the amount you are receiving at your death, thus waiting longer for a higher personal benefit may also provide your spouse with a larger survivor benefit as your widow.
• If you wait longer than age 62, your monthly benefit will continue to increase (by approximately 6% per year) until you reach your FRA, when you get 100% of the amount you are entitled to from a lifetime of working. FYI, you can even wait longer – up to age 70 – to claim an even higher monthly amount (8% more for each year of delay after FRA). At age 70, your SS benefit would be about 75% more than your age 62 benefit amount.
If you haven’t already done so, I suggest setting up your personal online “my Social Security” account at www.ssa.gov/myaccount to see what your SS benefits are estimated to be at various ages. Then, when you are closer to age 62, contact us again to talk about your specific personal circumstances at the time, and we can provide you with everything you need to know about applying for Social Security.
In the end, when claiming your Social Security benefits, you should consider your financial need, your health and life expectancy, your plans for working, and your marital status. We commend you for exploring this well in advance of becoming eligible and we will be here to assist when it is time for you to apply.
Ask Rusty – I’ll be 70 on New Year’s Day. When Should I Apply for Social Security
Dear Rusty: I was born on January 1st, 1958, so I believe Social Security considers me to be 70 as of December 2027. I’m planning on filing when I turn 70 to maximize the payment. I’m not sure if I should start in December, with the first payment in January 2028. Or should I start in January with the first payment in February 2028? I know I can start anytime, however I don’t want to file before the maximum payment, even by one month. Signed: Wanting Maximum Benefit
Dear Wanting: You are correct that if your birth date is January 1, 1958, you are entitled to your full age 70 benefit in December 2027. So, if you claim your SS benefit to start in December 2027 you will get your maximum benefit amount and you will receive that payment in January 2028 (on the 2nd Wednesday). Basically, anyone born on the first of any month is considered to have been born in the previous month for SS benefit purposes.
You can apply for your benefits up to 4 months prior to your birthday month, and SS usually suggests applying about 3 months in advance to give them time to process your application. When you complete the application, you will specify the month you wish your benefits to start, so applying early does not present a problem. You can either call SSA at 1.800.772.1213 to make an appointment to apply over the phone, or you can apply online at www.ssa.gov/apply.
The one thing you might want to do is put the following in the “Remarks” section of your application for SS benefits: “I do not wish to receive any retroactive Social Security benefits. I want my benefits to become effective with the first month of my age 70 eligibility (December 2027 because I was born on the first of January).”
Including that remark will ensure that your benefit will be the full maximum amount you are entitled to at 70 years of age, without any reduction. And I congratulate you on choosing a strategy which maximizes your monthly benefit and will likely provide you with the most in cumulative lifetime Social Security benefits.
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 (amacfoundation.org/programs/
Ask Rusty – Help! Social Security Reduced my Monthly Payment
Dear Rusty: My last Social Security payment decreased by about $400, so I went to my online SS account and found a November 2025 letter explaining that my 2024 tax return showed a greatly enlarged AGI (Adjusted Gross Income). Thus, SSA decided to withdraw monies, as of Jan 2026, from my bank account because I’d owed far more monies to them! The letter itemized my greatly diminished 2026 SSA monthly payment, explaining should my next tax return show a regular AGI, then SSA would return my SS income to regular amounts (and return every prior month’s deficits?). Said letter also mentioned an optional recourse, that of compiling an “Appeal” to regain my ongoing decreased income! The extra amounts now withdrawn for Medicare Parts A and D alone are outrageously high. I’m a retired senior citizen on a fixed income.
According to SSA, my having sold a piece of land in 2024 allows SSA to decrease my SS income! Has this become a common practice against USA (senior) citizens? Thank you in advance for your input! Signed: Feeling Wronged
Dear Feeling Wronged: From what you have shared, it appears that your SS benefit amount has been affected by a provision known as “IRMAA” (Income-Related Monthly Adjustment Amount). IRMAA isn’t really a Social Security issue, rather it is a Medicare premium thing. But when IRMAA applies, it reduces your net Social Security payment because Medicare premiums are automatically taken from your Social Security benefit, thus making your net SS payment less. If you look at your gross Social Security payment (at your online “my Social Security” account) you will see that your gross SS payment did not change, but your Medicare premium did, thus affecting your net SS payment.
IRMAA, essentially, makes Medicare a “means tested” program, where those with a higher AGI can pay a higher Medicare Part B (and Part D) premium. However, IRMAA is usually based on AGI from two years prior to the current year (because your current AGI information isn’t available from the IRS when Medicare premiums are determined in October of each year). FYI, you may have received a notice in the mail in early December telling you what your 2026 Social Security and Medicare amounts would be. In a nutshell, the land you sold in 2024 apparently increased your AGI to exceed the base IRMAA thresholds (which are $109,000 if you file your taxes as a single, or $218,000 if you file your income tax as “married/jointly”). And the IRMAA supplements are “progressive” (higher if your AGI is more), so if your Medicare premiums went up by about $400 (about twice the 2026 standard premium) it’s likely that your 2024 AGI was over $137,000 if you filed as a single (or over $274,000 if you filed as “married/jointly). FYI, you can see the 2026 IRMAA brackets/premium amounts at this link: www.ssa.gov/benefits/
A couple of additional points:
• Your Medicare premiums will, indeed, revert to the standard amounts for 2027, if your 2025 AGI amount is under the IRMAA threshold for your tax filing status.
• There is no premium for Medicare Part A (which is coverage for inpatient hospitalization care) because you are receiving Social Security benefits. However, there is a premium for Part B of Medicare (which is coverage for outpatient medical services), and you must also separately pay a premium for Part D (which is coverage for prescription drugs offered by private insurers). And these IRMAA supplements apply even if you have a Medicare Advantage plan from a private insurer.
Unfortunately, your only “recourse” is, as SSA suggested, to appeal the IRMAA supplement, but that is usually successful only if you can prove you had a “life changing event” which caused (or will cause) your AGI to be less than that used to determine your IRMAA surcharge. Your best option at this point will likely be to appeal using a “Request for Reconsideration” (Form SSA-561) asking that your 2026 Medicare premium be based on a recent year’s (e.g., 2025) lower income.
Finally, IRMAA isn’t really a new thing – it was enacted in 2003, effective in 2007. But it does have a profound effect on many seniors, as I explained in this article I recently published on the topic: https://amacfoundation.
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 (amacfoundation.org/programs/
Ask Rusty – I Lost Money as a Widow and Ex-spouse by Not Knowing the Rules
Dear Rusty: I just found out, as someone who was collecting widow’s benefits on my second husband (a very small amount) for some time, that I was, all along, entitled to divorce benefits from my first husband which are much more. I thought I had to wait until my first husband passed before I could collect anything from him. Now I learned I have the right to collect as a divorcee. All of these years I have been missing out on a bigger benefit because I didn’t know this. Please make this clear and stress it for others in my position. Signed: Lost Benefits
Dear Lost Benefits: I am truly saddened that you lost out on benefits from your first husband for such a long time. Although you could not collect an ex-spouse benefit from Husband #1 while you were married to Husband #2, as soon as your current husband died you again became eligible for ex-spouse benefits from Husband #1. Basically, the rules say you cannot collect benefits from an ex-spouse if you have remarried and remain married. In other words, you cannot be “currently married” to collect benefits from an ex-spouse. But the death of Husband #2 meant that you were now eligible to collect ex-spouse benefits from your first husband – husband #1. I hope when you later filed for your ex-spouse benefits you asked for six months of retroactive benefits.
In your situation, when your Husband #2 died, you actually had a choice – either collect your surviving spouse benefit from your recently deceased husband #2, or to collect a regular ex-spouse benefit from your first husband if that is more than your benefit as your second husband’s widow. Regular ex-spouse benefits from your first husband are available even though he is still living (and, indeed, even if he remarried) because you are no longer married to husband #2.
This, however, is not always the way things work out for someone who has had multiple marriages. It all depends on the SS benefit each former spouse was entitled to. That’s because your survivor benefit as your 2nd husband’s widow is based on the full (100%) amount he was receiving from Social Security when he died. In contrast, your benefit as your first husband’s ex-spouse while he is still living will be based upon half (50%) of his full retirement age SS entitlement. And often, 100% of a deceased person’s SS benefit is more than 50% of another living person’s amount. But not always.
It’s important to also know that if you claim any SS benefit before reaching your personal full retirement age (FRA), the monthly amount will be reduced. Benefits as a spouse (or a surviving spouse) do not reach maximum until the spouse reaches FRA, which is somewhere between age 66 and 67 depending on the spouse’s year of birth. It’s also important to know that if a surviving spouse is working, any SS benefit received will be subject to Social Security’s Annual Earnings Test (AET), which limits how much can be earned before SS benefits are affected. For 2026, the earnings limit for those collecting early SS benefits is $24,480 and, if that limit is exceeded, Social Security will take away some of your benefits. Note that the earnings test goes away when you reach your full retirement age.
Finally, be aware that if your first husband also predeceases you, you will then become eligible for a surviving ex-spouse benefit from him, even if he has remarried.
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/
Ask Rusty – When Will I Get Full Credit for Delaying my SS Retirement?
Dear Rusty: The time is nearing that I want to move from my current Social Security survivor benefit to my own SS retirement benefit at 70 years of age. I have been looking more deeply into the application of Delayed Retirement Credits (DRCs), and I have read that DRCs accumulated in the year that I turn 70 (September 2026) will not be effective when I actually turn 70. Rather, those DRCs won’t be paid until the following year. Can you verify that this is correct? I presume that if the DRC’s are not applied at age 70, that they will be applied sometime after the first of the year and any increase will be paid retroactively. Signed: Retiring Soon
Dear Retiring Soon: The Delayed Retirement Credits (DRCs) you speak of have accumulated at the rate of 8% per year (.667% per month) since you reached your SS full retirement age (FRA), which means that at age 70 your monthly SS benefit will be about 129% of the amount you were entitled to at your FRA of 66 years plus 4 months.
However, your understanding of how DRCs will work for you at age 70 is not correct. If you claim for your Social Security retirement benefits to begin in September 2026 (the month you turn 70) you will receive all DRCs, you have accumulated up to that point in time. In other words, you will get your full age 70 benefit amount immediately, including all DRCs earned until then, effective with your first SS retirement payment (which you will get in October 2026). What you have likely read about is that DRCs work a bit differently for those who claim SS after their full retirement age, but before their 70th birthday month.
For those who claim mid-year but before age 70, only DRCs earned through the end of the preceding year are initially applied, and DRCs earned during the current year are not paid until the following January. This results in a loss of some SS benefit between the time benefits start and the following January, because only the amount earned as of the end of the previous year are first paid, and the full number of DRCs earned during the current year are applied in January. But, as is the case for you, when benefits are claimed to start in the month you reach 70 years of age, all DRCs earned up to the month of your 70th birthday are immediately applied.
Congratulations on selecting a strategy which will maximize your monthly Social Security benefit.
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
(amacfoundation.org/programs/
Ask Rusty – Is There Income Tax on Social Security Benefits?
Dear Rusty: The Trump Administration is saying that now there will be no taxes on Social Security benefits. Since we’re getting ready to start our 2025 income tax return, can you explain how this all works? Signed: Confused Taxpayer
Dear Confused Taxpayer: You are obviously referring to the so-called “one big, beautiful bill” and how that bill affects income tax on your Social Security benefits. And this is because of the publicity surrounding the so-called “one big, beautiful bill” (OBBB) enacted last year, which claims to “eliminate income tax on Social Security benefits.” Well, that bill did, yet technically didn’t, fully eliminate income tax on benefits.” Allow me to explain.
The OBBB does eliminate income tax on most SS benefits, but it does so in a somewhat unique way – by providing an additional $6,000 (per person) deduction to your federal taxable income as reported to the IRS. Thus, you will pay less total income tax when you file your taxes with the IRS because of that additional deduction to your taxable income. The extra deduction is available to those over age 65 and is meant to offset the income tax which will still be levied by the IRS on the SS benefits you received in 2025.
Essentially, the rules governing income tax on Social Security benefits have not changed. The IRS will still levy income tax on your SS benefits if your combined income from all sources (known as your “provisional income”) is over $32,000 as a married couple filing jointly, or more than $25,000 if you file as an individual. If your provisional income is below the threshold for your IRS filing status, you will pay no income tax on your received 2025 SS benefits. But if your provisional income exceeds the threshold for your IRS filing status, then somewhere between 50% and 85% of your received SS benefits will be taxed (how much SS income to be taxed depends on your combined income in 2025).
By now, you should have received form 1099-SSA which advised of your 2025 Social Security income, including any income tax you had withheld from your SS benefits. This income should be reported when submitting your 2025 income tax return. If your “provisional income” is over $32,000 as a married couple filing jointly (or over $25,000 as an individual filer), then your 2025 SS benefits will still be taxed by the IRS. But when completing your 2025 Income Tax Return, you will also be able to claim an additional $6,000 per person ($12,000 if you file jointly), which will likely offset any income tax you must pay due to the SS benefits you received in 2025. If you use a tax preparer (or tax preparation software), they will guide you through this calculation. Note, too, that the $6,000 per person deduction amount will be less if your combined taxable income is more than $150,000 as a married couple (or more than $75,000 as a single filer).
Be aware, though, that the OBBB is temporary tax accommodation which expires after tax year 2028. And that’s because the process used to pass the bill in Congress (a “budget reconciliation” process) didn’t actually change SS law; rather it provided a way around it to offset income tax paid on SS benefits.
So, to recap, the IRS can still levy income tax on your received Social Security benefits but, because of the OBBB, you will likely also (depending on your provisional income level) receive an extra deduction which offsets any taxes calculated on your Social Security benefits.
Finally, be aware that if your first husband also predeceases you, you will then become eligible for a surviving ex-spouse benefit from him, even if he has remarried.
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/
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/
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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/
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/
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.
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DIVAS ON A DIME
The No-Grocery-Trip Peanut Butter Oatmeal Bars
BYLINE: By Patti Diamond
PHOTO CREDIT: www.JasonCoblentz.com
Some recipes arrive after careful planning and a thoughtfully organized shopping list. Others happen after opening the pantry, spotting peanut butter and oats, and deciding leaving the house sounds far too ambitious.
These bars belong firmly in the second category.
Made with pantry staples and very little effort, they land somewhere between a cookie, snack bar and possibly breakfast with questionable intentions. They’re soft, chewy, peanut buttery and just responsible enough to feel acceptable while still tasting like a treat.
Food of Flexible Moral Identity
Not quite health food. Not exactly dessert. Foods that occupy a charming gray area and suggest, “Look, we’re all doing our best here.”
These recipes use ingredients that could certainly be worse. Oats are involved. Peanut butter has protein. Sometimes fruit appears.
They carry just enough nutritional credibility to avoid being lumped in with frosted toaster treats or plastic-wrapped snack cakes.
Of course, balance matters. For every Food of Flexible Moral Identity we eat, perhaps we balance the universe with a kale salad containing absolutely no bacon.
PEANUT BUTTER OATMEAL BARS
Yield: 16 pieces
Total Time: 35 mins.
1 cup all-purpose flour
1 teaspoon baking soda
1/4 teaspoon sea salt (or table salt)
1 cup old-fashioned rolled oats
3/4 cup creamy peanut butter
2/3 cup brown sugar
1/2 cup milk
1 teaspoon vanilla extract
1/2 cup chocolate chips
Preheat oven to 350 F. Line a 9×9 pan with parchment paper to make the bars easy to lift out and cut.
In a small bowl combine the flour, baking soda and salt. Set aside.
In a mixer fitted with a paddle attachment, stir together the oats, peanut butter, brown sugar, milk and vanilla. Add the dry ingredients and mix briefly, just until everything comes together. Fold in the chocolate chips, press into the prepared pan and bake for 18 to 20 minutes. Store bars in an airtight container at room temperature for about three days.
Recipe Variations:
Think of this recipe as more of a suggestion than a contract. Swap the chocolate chips for peanut butter chips, butterscotch chips, chopped nuts, dried fruit, shredded coconut or even a big handful of berries. Feel free to bump the mix-ins up to about 3/4 cup if you’re feeling generous. Crunchy peanut butter, almond butter, cashew butter or sun butter all work beautifully too. These bars are easygoing and not particularly interested in enforcing rules.
Want to send these over the top? Peanut butter and chocolate are one of history’s strongest alliances. Drizzle with melted chocolate chips or top with this quick peanut butter chocolate topping.
PEANUT BUTTER CHOCOLATE TOPPING
1/2 cup peanut butter
1/4 cup butter
2 tablespoons unsweetened cocoa powder
In a 2-cup microwave-safe measuring cup, heat the peanut butter and butter in 30 second increments just until melted. Stir until smooth, add cocoa powder, and stir again. Spread over cooled bars and refrigerate until set. Your humble oatmeal bars have now become considerably more fancy pants.
Some of the best recipes begin with, “I’m absolutely not going to the store today.” A little pantry creativity and a willingness to work with what’s already on hand can produce delicious results.
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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
