Russell Gloor

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

When Will Congress Repay Social Security Money Taken Years Ago?

Dear Rusty: I seem to remember that Congress borrowed a total of 4 trillion dollars from SS back in the 1980's…

2 weeks ago

I’m Reevaluating My Retirement Plan; What are my Options?

Dear Rusty: I am 69 1/2 years old now and applied for Social Security at the end of June. I am…

2 weeks ago

Do I Have to Enroll in Medicare at Age 65?

Dear Rusty: I will be turning 65 next month, I am currently retired and I am not on Social Security. My…

1 month ago

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…

2 months 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…

3 months 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…

3 months 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…

4 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…

4 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…

4 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…

5 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…

5 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…

6 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…

6 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)…

8 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,…

8 months ago