Social Security & You: Don't blame the government ─ blame yourself

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Social Security & You: Don't blame the government ─ blame yourself
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Sometimes people will write to me complaining that the government, specifically the Social Security Administration, has messed up and cheated them out of benefits they might have been due. But many times, the fault (to trivialize a famous line from…

many times, the fault is not in our government, but in ourselves. Here are some examples of what I mean.

People are also reading… And I’m not sure how things work today, but I know that 10 years ago, the Social Security retirement application had a question on it that essentially asked something like: “Are you unable to work because of a disabling condition?” You must have answered that question “No,” because a “Yes” answer would have led you down the path to a claim for Social Security disability benefits.

If I were a woman considering a second marriage, and if I were concerned about Social Security benefits from a former husband’s record, I would have checked into this. A simple Google search using the keywords “remarriage” and “Social Security” turns up all kinds of information from the Social Security Administration and other sources that would have answered all your questions.

But believe me, I know that’s easier said than done. Over the years, I have heard from hundreds, if not thousands, of moms in a “mom and pop” business who are in the same boat. They let themselves get talked into going along with this male-oriented tax-filing scheme. You also wondered why the Social Security Administration simply can’t give you your share of earnings from the business. That’s not how it works. As I said, you made the decision a long time ago to give all the business earnings to your husband. By law, the SSA must go along with how things were reported on your tax returns.

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