As We Get Older!

[B y r o n]

Life creeps up on you . . .

When you're young you never think about what will happen when you get OLD(ER)! It doesn't matter if you were a Cub Scout, Webelo and Boy Scout. It was about hanging out with your friends and family. You graduate high school and get drafted a couple of years later because there was still a draft. Instead of leaving the country you do your best anyway because that is the way you were brought up. Years after your service and an Honorable Discharge you get a job with a local law enforcement agency because that is what you want to do. You spend nearly 32 years working for that agency when you retire at 60 years old. The state you've grown up in, and loved for what it had to offer, is passing laws that are now about to make you a criminal even though nothing you have done has endangered anyone else's life or well being. So time to find a new place to live where you won't be treated like a criminal for liking firearms.

You find a new place to live but now you're older and they're telling you that you have to sign up for MediCare. Problem is my former job got me life time medical insurance. You don't see the problem, the problem is if I sign up for MediCare it becomes my primary medical insurance and my existing insurance becomes the secondary insurance. That being the case if MidiCare was to deny a procedure my existing insurance will likely deny it as well instead of simply covering the procedure. Now I've passed on MediCare and delayed my Social Security benefits because my retirement is doing just fine for me despite a divorce taking part of my retirement. Another problem is if I chose to file for my Social Security benefit which was funded outside my law enforcement carrier my SS benefit would be reduced because of something called WEP (Windfall Elimination Provision). I'm going to be penalized for having a government career that didn't collet social security tax for all or a portion of it, even though my social security qualification was covered before I had the "local government" job.

Not only that but if I choose to start collecting Social Security benefits, I would be mandated into participation in MediCare which could/would affect my medical coverage. Not only that but because I didn't apply for MediCare at 65 they will now penalize me. So now they want to make me receive less medical coverage but also make me pay more for the privilage!

You serve your community, you serve your country and yet they want to bend you over and not even provide lube while you're being phucked! So much for trying to provide or protect our senior citizens! So what about that money that they collected all those years you were paying into Social Security? What do you think!

I'm actually lucky. I had a job that provided a decent retirement including full medical coverage. What I don't care for is a government that tries to mandate you accept their lessor medical coverage instead of using my collected funds to supplement the coverage I earned through my job. So much for our elected officials looking out for the people they are supposed to represent!

I know a lot of you are probably younger than I am and haven't even thought about any of this but just wanted you to be aware of what might be in front of you as you get older.

 

[Redheeler]

It’s a thing called socialism. I’m here from the government and I’m here to help you. Just sign these papers and take the jab and things will be ok.

 

[Maggot]

Holy fucking shit. Pucker up, buttercup.



You live in America.
Youve got a retirement that gives you enough you dont NEED SS.
Youve got lifetime medical coverage.
Touve go mre than 90% of the people in the world.
If you hang out here youve likely got a small fortune in guns.

With all due respect, STFU and be thankful. And use your extra to try to preserve whet we have for the future.

 

[Jareth Cutestory]

too long, didnt read

 

[Jack's Dad]

too long, didnt read

Classic fucking low functioning millennial. Are you capable of reading a book?

 

[Jack's Dad]

Ps I'm also a millennial

 

[candyx]

Buddy retired at 46 now walks to his mailbox for 90K plus benefits cries all the time he got screwed.

 

[RPN]

Where is wade2bigilo to explain how evil you are for a lifetime of being an apparatchik?

Congrats on your retirement, commiserations on the BS.

 

[B y r o n]

Holy fucking shit. Pucker up, buttercup.



You live in America.
Youve got a retirement that gives you enough you dont NEED SS.
Youve got lifetime medical coverage.
Touve go mre than 90% of the people in the world.
If you hang out here youve likely got a small fortune in guns.

With all due respect, STFU and be thankful. And use your extra to try to preserve whet we have for the future.

I didn't post this to "STFU", I posted it because over the years I never thought about what was to come. I have done OK and probably will be for as long as I have left. I never had anyone warn me about what might be coming and thought someone might benefit from what I've experienced.

I have been blessed to a certain extent, and don't make lite of it, I just wanted to let younger people think about what maybe to come.

 

[n2ishun]

Touve go mre than 90% of the people in the world.

Not saying a word because I have no way to refute that claim.

 

[TexPatriot]

I didn't post this to "STFU", I posted it because over the years I never thought about what was to come. I have done OK and probably will be for as long as I have left. I never had anyone worn me about what might be coming and thought someone might benefit from what I've experienced.

I have been blessed to a certain extent, and don't make lite of it, I just wanted to let younger people think about what maybe to come.

Hey, you went home safe every night without us gun owners shooting you, Lisa got her braces and you retired with your pension.

Wasn't that the original plan?

 

[B y r o n]

Hey, you went home safe every night without us gun owners shooting you, Lisa got her braces and you retired with your pension.

Wasn't that the original plan?

Yes, I went home every night but not because I was concerned about law abiding citizens. Before every shift my thought was to go home at the end of shift, whatever it took. My reason for posting this info was because I really didn't have a plan and maybe others would benefit from it. It was as simple as from one day to the next without concern for the future other than making it home after the shift was over.

Being aware of what is to come may let others make a more informed decision.

 

[vinniedelpino]

Social security.... the ponzi scheme with mandatory participation.

At least I know the screw Job is coming well in advance. Better than getting blind sided at 55+ I suppose.

 

[eca7891]

You sir, are the grasshopper that just happen to make it by pure luck then.

Become the ant!

 

[Waorani]

Not only that but if I choose to start collecting Social Security benefits, I would be mandated into participation in MediCare which could/would affect my medical coverage. Not only that but because I didn't apply for MediCare at 65 they will now penalize me. So now they want to make me receive less medical coverage but also make me pay more for the privilage!

You are not mandated into MC if on SS. But if on SS and turn 65 you are automatically enrolled in MC unless you opt out. You are correct that if you don't start MC at 65 you will be penalized (higher premium) if you later enroll.

 

[n2ishun]

Standard start time for SS after you file for it is 2 years till first check comes in.
No shit, look it up.
Since I filed for disability and was *fast tracked* due to being terminal the start up only took 6 months....screaming fast eh ?
Mandatory kick in for medicare is 2 years after first check is received.

Yea, these mutha fuckers have got it going on.
And I paid into this system without a choice for 40 fucking years+++.
They damn sure don't work for you.

 

[Waorani]

Standard start time for SS after you file for it is 2 years till first check comes in.
No shit, look it up.
Since I filed for disability and was *fast tracked* due to being terminal the start up only took 6 months....screaming fast eh ?
Mandatory kick in for medicare is 2 years after first check is received.

Yea, these mutha fuckers have got it going on.
And I paid into this system without a choice for 40 fucking years+++.
They damn sure don't work for you.

You are so completely full of shit.

 

[BuildingConceptsllc]

I dunno, sounds like you got a great deal to me. I got forced into crappy coverage and forced to pay 4x the price so it could pay for all of the folks who don't pay and all the govt employees so, your deal seems pretty good to me.

 

[SilentStalkr]

Yes, I went home every night but not because I was concerned about law abiding citizens. Before every shift my thought was to go home at the end of shift, whatever it took. My reason for posting this info was because I really didn't have a plan and maybe others would benefit from it. It was as simple as from one day to the next without concern for the future other than making it home after the shift was over.

Being aware of what is to come may let others make a more informed decision.

So, with all this said, what would you do different if you had a do over?

 

[B y r o n]

You are not mandated into MC if on SS. But if on SS and turn 65 you are automatically enrolled in MC unless you opt out. You are correct that if you don't start MC at 65 you will be penalized (higher premium) if you later enroll.

"Managing Medicare enrollment
For most people, Medicare eligibility starts at age 65. If you're receiving Social Security retirement benefits at that time, SSA will send you a "Welcome to Medicare" package at the start of your initial enrollment period, which begins three months before the month you turn 65. For example, if your 65th birthday is July 15, 2022, this period begins April 1.

On your 65th birthday, you'll automatically be enrolled in parts A and B. You have the right to opt out of Part B, but you might incur a penalty, in the form of permanently higher premiums, if you sign up for it later.

If you have not yet filed for Social Security benefits, you will need to apply for Medicare yourself. You can do so any time during the initial enrollment period, which lasts seven months (so, for that July 15 birthday, the sign-up window runs from April 1 through Oct. 31). If you do not enroll during that period, you could face those late fees if you do so later.

You'll find comprehensive enrollment information in SSA's “Medicare” publication and links to application forms on the Social Security website."

 

[Maggot]

Social security.... the ponzi scheme with mandatory participation.

At least I know the screw Job is coming well in advance. Better than getting blind sided at 55+ I suppose.

Thats why I took mine asap. Its going, going, gone by 2032 or so.

 

[Maggot]

I didn't post this to "STFU", I posted it because over the years I never thought about what was to come. I have done OK and probably will be for as long as I have left. I never had anyone worn me about what might be coming and thought someone might benefit from what I've experienced.

I have been blessed to a certain extent, and don't make lite of it, I just wanted to let younger people think about what maybe to come.

Didnt mean to hammer you too hard, but shit, I had most of my retirement ripped off, and now while good by world standards, it isnt what it could have been.

Im thankful just to be in America.

But i do appreciate your advice to the younger ones. A plan certainly can help.

 

[n2ishun]

You are so completely full of shit.

Please give us the real data oh enlightened one.

 

[Govt Mule]

Standard start time for SS after you file for it is 2 years till first check comes in.
No shit, look it up.

???? I filed for SS after I turned 62. Two months later I received my first check. That was a few years ago, but I don't think it has changed much since then.

 

[Waorani]

"Managing Medicare enrollment
For most people, Medicare eligibility starts at age 65. If you're receiving Social Security retirement benefits at that time, SSA will send you a "Welcome to Medicare" package at the start of your initial enrollment period, which begins three months before the month you turn 65. For example, if your 65th birthday is July 15, 2022, this period begins April 1.

On your 65th birthday, you'll automatically be enrolled in parts A and B. You have the right to opt out of Part B, but you might incur a penalty, in the form of permanently higher premiums, if you sign up for it later.

If you have not yet filed for Social Security benefits, you will need to apply for Medicare yourself. You can do so any time during the initial enrollment period, which lasts seven months (so, for that July 15 birthday, the sign-up window runs from April 1 through Oct. 31). If you do not enroll during that period, you could face those late fees if you do so later.

You'll find comprehensive enrollment information in SSA's “Medicare” publication and links to application forms on the Social Security website."

I'm in the boat myself right now and it is annoyingly convoluted. Looks like you're right that Part A (hosp & no premium) is automatic w/SS but only Part B (doc/etc & monthly premium) is optional. I stand erected!

 

[Waorani]

???? I filed for SS after I turned 62. Two months later I received my first check. That was a few years ago, but I don't think it has changed much since then.

Same here. That'll teach me to take that idiot fucker off ignore.

 

[jrhtx]

???? I filed for SS after I turned 62. Two months later I received my first check. That was a few years ago, but I don't think it has changed much since then.

This is about standard. I think they want you to file 3 months before you request benefits. That was what happened with wife and me. No problem. Checks started 2-3 months later.

To the OP. I think you had the ability to file for Medicare before you reached 65 and not take coverage. Many people that are working past 65 still have to file, but not take coverage because of employer coverage. You have to have a letter from your employer as proof of coverage. If you do not file, you are screwed and will have to pay a penalty for both Medicare and Part D drug coverage. There are other nuances involved if you are retired with retiree coverage. They use to call this "Cadillac Plans". Full retiree medical. That is long gone for all the newbies.

I would recommend you find a local to you Medicare consultant, FAST, that can help walk you through some of this. The penalty increases every year you are not signed up.

 

[n2ishun]

I just went thru all this shit last year.
Now granted, I filed due to disability, but it's still soc sec.
Not kidding a bit that I was put on a *special* fast track due to my issues....and it was 6 months before I saw a penny.
Imagine being disabled and have it taking 2 fucking years.
I do have paperwork....if there isn't too much personal shit in it I'll see if I can post it...like...later, maybe tomorrow.
It is a seriously fucked up deal.

 

[Sgtsideways]

Life creeps up on you . . .

When you're young you never think about what will happen when you get OLD(ER)! It doesn't matter if you were a Cub Scout, Webelo and Boy Scout. It was about hanging out with your friends and family. You graduate high school and get drafted a couple of years later because there was still a draft. Instead of leaving the country you do your best anyway because that is the way you were brought up. Years after your service and an Honorable Discharge you get a job with a local law enforcement agency because that is what you want to do. You spend nearly 32 years working for that agency when you retire at 60 years old. The state you've grown up in, and loved for what it had to offer, is passing laws that are now about to make you a criminal even though nothing you have done has endangered anyone else's life or well being. So time to find a new place to live where you won't be treated like a criminal for liking firearms.

You find a new place to live but now you're older and they're telling you that you have to sign up for MediCare. Problem is my former job got me life time medical insurance. You don't see the problem, the problem is if I sign up for MediCare it becomes my primary medical insurance and my existing insurance becomes the secondary insurance. That being the case if MidiCare was to deny a procedure my existing insurance will likely deny it as well instead of simply covering the procedure. Now I've passed on MediCare and delayed my Social Security benefits because my retirement is doing just fine for me despite a divorce taking part of my retirement. Another problem is if I chose to file for my Social Security benefit which was funded outside my law enforcement carrier my SS benefit would be reduced because of something called WEP (Windfall Elimination Provision). I'm going to be penalized for having a government career that didn't collet social security tax for all or a portion of it, even though my social security qualification was covered before I had the "local government" job.

Not only that but if I choose to start collecting Social Security benefits, I would be mandated into participation in MediCare which could/would affect my medical coverage. Not only that but because I didn't apply for MediCare at 65 they will now penalize me. So now they want to make me receive less medical coverage but also make me pay more for the privilage!

You serve your community, you serve your country and yet they want to bend you over and not even provide lube while you're being phucked! So much for trying to provide or protect our senior citizens! So what about that money that they collected all those years you were paying into Social Security? What do you think!

I'm actually lucky. I had a job that provided a decent retirement including full medical coverage. What I don't care for is a government that tries to mandate you accept their lessor medical coverage instead of using my collected funds to supplement the coverage I earned through my job. So much for our elected officials looking out for the people they are supposed to represent!

I know a lot of you are probably younger than I am and haven't even though about any of this but just wanted you to be aware of what might be in front of you as you get older.

I wouldn't be concerned about the nay boobs here on sh, as I wonder how well they would suck it up and not complain after paying premiums. You're paying premiums, so you should be provided the service as long as the tests back up the need for a procedure.

So far as medicare and denial of coverage for procedures, you might want to look and see if your state has an insurance review board. Friend of mine was denied coverage for a surgical procedure and was told to get physical therapy instead. The pt made the situation worse and caused him a lot of pain, making the situation worse. They then denied his second request for the surgery. Surgeon suggested that he contact the insurance review board of the state. Wonder of all wonders, when the 2ndary insurance provider was threatened with a review of the denial, they decided to allow the surgery.

Another route to try with denials is to hire an attorney. Insurers don't like legal costs either.

Bottom line is that you can look forward to more of these hijinks from the insurers thanks to obamacare. You're the one in the cross hairs, since we all have to pay for the illegals and welfare bums that suck the system dry after you played by the rules.

 

[DarnYankeeUSMC]

Yes, I went home every night but not because I was concerned about law abiding citizens. Before every shift my thought was to go home at the end of shift, whatever it took. My reason for posting this info was because I really didn't have a plan and maybe others would benefit from it. It was as simple as from one day to the next without concern for the future other than making it home after the shift was over.

Being aware of what is to come may let others make a more informed decision.

"Really didn't have a plan "
There was no reason to have a plan. You were working for the government and you knew that you had a good retirement package with medical coverage.

 

[EddieNFL]

Standard start time for SS after you file for it is 2 years till first check comes in.
No shit, look it up.
Since I filed for disability and was *fast tracked* due to being terminal the start up only took 6 months....screaming fast eh ?
Mandatory kick in for medicare is 2 years after first check is received.

Yea, these mutha fuckers have got it going on.
And I paid into this system without a choice for 40 fucking years+++.
They damn sure don't work for you.

Received my first check the month after my birthday. I think the filing process started several months before my birthday. Maybe you're on a metric calendar.

 

[SONIC SAAMI]

Received my first check the month after my birthday. I think the filing process started several months before my birthday. Maybe you're on a metric calendar.

He filed for disability benefits it takes a minimum of six months before you receive your first check.

 

[fpgt72]

I am right there with you including your choice of profession, I will retire in roughly 2 years. We don't enjoy the healthcare but the rest is about right. Roughly 30% of my check goes into my retirement. I could retire today and pull, but I still feel useful but a bit harder every day with the "new guard" coming in.

Hang tough, you made it through this is the time for you to enjoy it. You did without so you could have a nice retirement....so many don't understand doing without. I know people that took equity out of their house to buy a new car, then wonder why I with a 1990 truck have no house payment. It is called not buying shit you cant afford.

you made it enjoy.

 

[EddieNFL]

He filed for disability benefits it takes a minimum of six months before you receive your first check.

I see. I've met a few folks on SSD and had a family member drawing benefits. I would say it takes that long to weed out the scammers, but I don't think they put much effort into that. The family member never held a job more than a few months. Was approved for SSD due to health issues caused by abusing drugs/alcohol. He was approved before age 30.

 

[Hobo Hilton]

I think your post was a noble thing to do. You gave some hard earned information to those younger than you who can still make some changes in their life. Unfortunately those young people are plugged into "the system". They have fewer choices than you did at 20 years old. The majority are up the creek without a paddle.

 

[Soulezoo]

OP, go to Mexico. Change your name and get a good tan. Walk across the Rio Grande in the middle of the night. "Run into" Border Patrol. Problems solved. Play your cards right and hell, you may even get to live in Martha's Vineyard.

 

[Quarter Horse]

@B y r o n, Thanks for putting up this post. As regards your own views of the inequities in your "retirement", I fully understand your quandary. The only advice I can offer is keep your head down, stay off the radar as much as you can and collect from every entity that legitimately owes you. Stay in whatever locale offers you the most and find ways to do the things you enjoy. You've earned it. I'm about a decade older than you and I came to the conclusion a half century ago that the only reasonable position is to become a complete cynic. Like all things, it has it's hazards, but I am rarely disappointed.

Your caution to younger people is well reasoned and should be heeded by anyone from 17yo-55yo. In the world today the only guarantee is that there are no guarantees. Social security, Medicare for all, good health, a nest egg, etc., etc., is wishing in one hand and .......ng in the other. When you open one hand there's going to be nothing there. When you open the other well, we already know what's there.

 

[chevy_man]

Here I thought you were going to tell us the college chicks still stay the same age....


I've found new aches and pains. My current plan is house is paid for when I'm 52. I'm quitting this career and going to work at the gun store. This way I can be the crusty old guy at the gun counter.

 

[lonegunman762x51]

I'm working through similar issues with my retirement. I've had more than one career and have more than one retirement. I've paid full price for all of it. I've also paid my full social security tax for every dollar I've ever made so there should not be a windfall issue, that being said I am 100% sure they will bitch. Idiots on this forum will get bent and say stupid things because they feel that planning well and earning a pension is a form of thieving or that retaining benefits like medical and dental insurance in retirement is a way to steal from lazy, worthless millennials.

Medicare is an insurance plan designed to kill you so I would not be in a hurry to sign up for it either. The problem is that if you eventually sign up for it, they may charge you a ton as punishment for defying your government overlords and refusing to comply when ordered. The worst part of it is that absolutely no one has any idea how any of it works and almost no one will explain it to you or help you navigate the mess.

My wife retired this year. They were trying to force her to take a Part B from them for $1500 a month or basically 100% of her social security because I made "too much money". She did not need a part B because I am still working and have medical benefits that act as Part B. The stupid cunt form social security basically said, "fuck you, I am a government stooge and we have to do what I want."

The government cunt then demanded my wife send a "hand written letter", no computer printed allowed, and beg to be removed from this shitty plan to a fucked up address in some other fucking state. So we went to the local assholes and dropped off the fucking letter in person and they said they didn't need it that is was just something that cunts and assholes do to fuck with people. Then we got this bullshit fixed.

Trying to retire next year is becoming a full time job.

 

[acudaowner]