Russell Gloor

Russell is the National Social Security Advisor at the AMAC Foundation, the non-profit arm of the Association of Mature American Citizens.

About Social Security’s “First Year Rule” and Withdrawing from SS

Dear Rusty: I am 63 years old, and about to apply for my Social Security benefits. I am self-employed but only…

2 weeks ago

Social Security: The Mystery of Spousal Benefits

The Riddle: Why are my Spouse Benefits less than half? Probably the most common fallacy about SS spouse benefits is…

4 weeks ago

Should I collect SS now or wait two years until age 70?

Dear Rusty: I am 67 and 9 months old, collecting a modest SS survivor benefit with plans to collect my own…

1 month ago

I Lost Money as a Widow and Ex-spouse by Not Knowing the Rules on Social Security

Dear Rusty: I just found out, as someone who was collecting widow’s benefits on my second husband (a very small amount)…

3 months ago

My Friend is 65; shouldn’t she be exempt from Medicare payroll taxes?

Dear Rusty: My girlfriend is 65 and she just enrolled in Medicare. She is still working full time as a nurse,…

3 months ago

Am I Entitled to More Social Security as a Veteran?

Dear Rusty: I served in the U.S. Army from July 1964 to July 1967. Am I eligible for a higher Social…

4 months ago

I’m on SS Disability; Should I Switch to Regular Social Security?

Dear Rusty: Should I take my Social Security now at age 62, or wait till I am 65? I've been collecting…

5 months ago

Is Social Security Really a “good deal?” 

Dear Rusty: You’ve said in the past that most people recoup their SS contributions within five years of starting benefits, thus…

6 months ago

If We Both Collect Social Security, will our Benefits be Affected?

Dear Rusty: I reached full retirement age back in June, but I have not yet filed to collect Social Security. My…

6 months ago

Did the Obama-era Social Security Tax Cuts Hurt the Program?

Dear Rusty: I will be retiring early next year but my question to you is: During the Obama administration, payroll taxes…

7 months ago

Should I Ask for Retroactive Social Security Benefits?

Dear Rusty: I turn 70 next month, October 3, and am making an application for Social Security benefits to begin in…

7 months ago

Should I Take Social Security Now, or at age 70?

Dear Rusty: I was born in April 1958, and my plan has been to take my Social Security at age 70.…

8 months ago

When Will My Disability Become My Regular Social Security?

Dear Rusty: I hope you can answer this question. I’m currently receiving Social Security Disability benefits, and I will be turning…

8 months ago

Should my Spouse be getting half of my Social Security amount? 

Dear Rusty: I was referred to you to ask a question about Social Security benefits. I receive about $1,700 a month…

8 months ago

Should I Claim Social Security Early Because it is Going Bankrupt?

Dear Rusty: My best friend is going to be 62 and wants to begin taking her Social Security immediately. Her reasoning…

8 months ago