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My Social Security benefit this year will be nearly $10 a…

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My Social Security benefit this...
My Social Security benefit this year will be nearly $10 a month LESS than last year. I do realize there's no COLA this year--but why should my social security check shrink from last year? I'm 74 years old, and worked only two months in 2014. Please explain. I suspect there's an error in computing my social security benefit for 2016.
Thank you.
John E. Vaughan
Tulsa, OK.
Submitted: 2 years ago.Category: Social Security
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Answered in 2 minutes by:
1/18/2016
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago
Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13,637
Experience: 22+ years legal exp. - 12+ years owning/operating her own SSD Law practice.
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John, do you have a Medicare plan, like a supplement or an advantage plan with an medicare health insurance company?

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Customer reply replied 2 years ago
I have both Medicare (parts a and b) and a supplemental ("Medigap") plan. But I've always had those, and they didn't cause my Social Security benefit to be reduced.
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

Many medigap plans have actually increased this year. Do you have reason to believe yous did not? (Ours did as well). Let me know if you can double check that from where you are.

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Customer reply replied 2 years ago
My Medigaap plan increases a few dollars every year. This year it has increased by $8. The increases have NEVER caused my Social Security benefit to decrease. But this year, the benefit letter says, I'll be getting $9 or more LESS than last year. No explanation is given. I think it's a mistake..
Customer reply replied 2 years ago
I mean MY S.S. benefit will be $9 or so less PER MONTH--MORE THAN $100 LESS FOR THE COMING YEAR.
Customer reply replied 2 years ago
Are you there, Stephanie Joy?
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

Yes, I am researching.

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

Do you pay your Medigap policy separately?

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Customer reply replied 2 years ago
I pay my Medigap poloicy separately. Why are these questions about my supplemental health insurance relevant to my question, which was: WHY is my Social Security benefit being reduced this year? My S.S. benefit is not tied to my supplemental health insurance, is it?
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

Some policies are paid for via a deduction from your SS benefit amount, yes. But, you have clarified that that isn't so.

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

And, for the record, I am trying to look at possible reasons for the reduction, as you requested, so I can eliminate them, leaving you with the answer as to which legitimate reason it is being reduced (so you don't waste your time appealing it), OR, the belief that there is no legitimate reason, ergo a mistake, so you can address it with the SSA.

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

From your gross SS amount, is the ONLY thing taken out your 104.90 and your Part D (if you have part D)?

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Customer reply replied 2 years ago
the only deductions from my Soc.Sec. benefit are the $104.90 for Medicare and $63.80 for the drug plan.
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

Incidentally, just so you know and are not concerned in the future, you work income at any time after you hit your FRA, would not reduce your SS benefit. You are free to earn as much as you wish. (Very high earnings, however, can increase your Medicare premium, thereby reducing your NET payment.)

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Customer reply replied 2 years ago
I know that about earnings.
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

Oh, you made a point to mention your 2014 income, ergo my comment.

Was your drug plan $63.80 last year and this year? (Sorry if I am beating a dead horse, but you'd be surprised at the things that get left out, and since I don't know you, best to ask and be sure.)

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Customer reply replied 2 years ago
I've already told you that my drug plan costs $63.80.
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

You need to re-read my question.

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

I am going to opt out - perhaps you will find easier communication with an alternative SS professional.

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Customer reply replied 2 years ago
I don't knokw what my drug plan cost me last year
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

John, do you have your 1099 for 2015 yet? From the SSA?

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

(I am giving this 1 last go, as it seems no one is jumping in to take over for you.)

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