DR Ed- I have the most wonderful news to share with you. As of today I was approved for my disability (September 14). Tarajee is the most amazing advocate ever. Between you and her my 8.5 month journey is over. I wanted to say thank you to you and all that you do. You and Tarajee have been a wonderful godsend!!!! I can honestly say that none of this would be possible at least time wise without being in this community and the support it provides. Thank you ☺️

Post your WINS HERE! Motivate the entire community!

Quick Question, when calculating the High 35. I know those 35 are used to determine AIME, then to start the formula for the BEND Points for the 3 breakdowns of 90% 32% and 15%. I know indexing goes to age 60, and at age 62, COLA's start regardless or not if you take the benefit. My Question is- Let's say you had 4: 0,0,0,0 Zeros, and at age 64,65,66,67, You worked those years in retirement and took the benefit at FRA or 67, those 4 Years would replace the 0's, but No Indexing Past 60 Correct?

After watching videos and getting answers to my posted questions on this site — gaining confidence (and correct wording I learned here) I was able to find out from a SS phone call, I can file on my deceased ex-husband survivor benefits 4 months before I turn 60. I was able to check off all the requirement boxes SS officer asked me. I didn’t feel confused, it was nice being prepared. I also learned he made more money so I plan to ride on his SS and switch to mine at a much later date. THANKS ED!

Hey everyone! If you’ve been here a while, you’ve probably seen how many new members arrive scared, confused, and worried they’re about to make an irreversible mistake with Social Security or Medicare. Filing for social security and medicare and making sure you get it right as well as retiring and starting a whole new life is a very difficult and stressful time in everyone's life. Reading a real story from someone who’s “been there” can calm people down faster than any brochure. If Dr. Ed or this community has helped you in any way, would you be willing to share your story in the comments? You don’t have to write anything fancy. Just answer these in your own words: 1. What was going on before you found us? 2. What were you most worried you might mess up? 3. What almost kept you from asking for help or joining? 4. What did you actually do here that helped (class, checklist, Q&A, plan, etc.)? 5. What’s better now because of that help? (Only share dollars or details if you feel comfortable.) Your story might be exactly what a scared new member needs to read at 2 a.m. so they don’t feel alone. Quick safety note: please don’t post your SSN, full claim number, or other very private details. Keep it to your situation, what you did, and what changed. Thank you for being willing to help the next person in line.