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Best of Talking Money: Social Security and Medicare, Part 2

Show aired on July 9th, 2022

Highlights from show originally aired on March 5, 2022. 

Eddie Holland joins Mike again to discuss more about Social Security and Medicare.

They answer a number of listener questions, including:

  • Why might you delay taking Social Security? What about taking it early?
  • How would the survivor benefit play into that consideration?
  • Is there any penalty for someone who has not yet reached full retirement age to continue working for a year or two, but still go on and start drawing Social Security?
  • How does Social Security determine your annual benefits based on your estimated date of death?
  • Once you reach full retirement age, and you decide to continue to keep working, does your employer still withdraw Social Security taxes past your retirement age/date?
  • At what point do we have to decide about Medicare if both spouses are at retirement age, but one of us is still working and has employer provided health insurance?
  • My employer health insurances will subsidize half our Medicare premiums. Should I go on and sign up for Medicare to take advantage of that?
  • I’m 68, going to file at 70. My spouse is 62. Should she go on and file? If she does, when she reaches full retirement age, can she then claim my spousal benefit?
  • At what age can you still work and draw Social Security and not be penalized?

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    Though Mike Miller is an employee of Ronald Blue Trust, Talking Money® represents his individual views, and not those of his employer or any other sponsor of the program. During the program, Mike may discuss market trends as well as specific financial planning techniques and investment ideas. These discussions are for general information only and are not intended to provide specific advice or recommendations to any individual or organization. Work with your attorney, or accounting, or investment professional for specific individual advice and services. Any securities or investment products discussed on Talking Money® are not insured by the FDIC, are not a deposit or other obligation of or guaranteed by any bank, and are subject to investment risk, including possible loss of principal amount invested. Some shows contain time sensitive material that should not be relied upon without verifying.

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