Russell Gloor

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

Will Social Security Run Out of Money Soon?

Dear Rusty: I’m concerned about Social Security running out of funding, since I rely on it for my income and I’m…

4 days ago

Can my spouse file for Social Security at 63 and then get half of mine when I claim?

Dear Rusty: My spouse is 63 and I am 65. I am planning to take my Social Security benefits at age…

1 month ago

Why Doesn’t My Social Security Record Show All My Military Earnings?

Dear Rusty: When I look at my earnings on my Social Security account, I see that in 1955 and 1956 have…

1 month ago

When Should My Wife Claim Social Security?

Dear Rusty: We could use guidance on optimum dates for my spouse to begin taking Social Security (SS). She doesn’t have…

2 months ago

Why Aren’t There Individual Social Security Accounts?

Dear Rusty: Regarding Social Security’s financial issues, three people contributing to Social Security for every one beneficiary sounds to me like…

2 months ago

Why Can’t I get a Lump Sum Social Security Death Benefit from my Wife?

Dear Rusty: My wife passed away in September 2025 at age 64. We had been married for 43 years and started…

3 months ago

Help! SSA Says I’m Not Eligible for Benefits

Dear Rusty: Help!! The Social Security Administration says I didn’t pay enough into my Social Security account, despite being a business…

3 months ago

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…

4 months 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 months 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…

4 months 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)…

6 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,…

6 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…

7 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…

8 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…

9 months ago