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Reviewed by Leonard Smuts for Readers' Favorite
Claiming Social Security benefits and medical expenses can seem daunting. The question is not only how to claim, but when to claim. Margaret K. Ellis has produced Social Security and Medicare, a comprehensive guide that will provide answers. The author describes what the Social Security system offers to American citizens, unpacking the complex rules and a benefit formula based on past earnings. Benefits are payable for life and are adjusted annually. Those claiming should remember to check their employment record on the official website regularly, as errors can occur but are difficult to correct if discovered too late. The full retirement age has varied over the years, rising from 65 to 67. The age of 62 is the earliest that benefits can be claimed. The status of spouses, ex-spouses, widows, and survivors is outlined, together with the procedure for claims. Each option has different implications. Medicare coverage is explained. Again, there are many options, conditions, and exclusions. Seven life-changing events are highlighted, which indicate that a review is needed. Due to the strict deadlines, failure to comply can be costly. An awareness of dates is crucial. Readers should also be careful of scams and salesmen who attempt to sell insurance cover while claiming official approval.
Social Security and Medicare is a step-by-step guide that explains the entire process, from what you may claim to how to go about it. Margaret K. Ellis describes the rules, warns of the possible pitfalls, and demystifies the complexities. Examples are given to illustrate the principles, covering areas such as penalties, exclusions, cut-off points, waiting periods, and what benefits are available. Several windows of opportunity exist. The cheapest option may not be the best, so the fine print should be checked. Plans can change, so read mail notifications carefully, as some options close for good. The table relating to recommended annual reviews (for those aged 62 to 70) is particularly helpful. The author reminds readers that some rules and submission dates are amended annually and should be downloaded. Rules may also vary between states. Detailed worksheets and data tables are provided to assist. The writing is concise and informative, and the book can be read in parts. It is not intended to be a legal, tax, insurance, or financial guide, nor is the author promoting any commercial enterprise. The book was written to inform those nearing retirement and their families, and will provide a valuable reference work for years to come.
