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If you meet all of these qualifications, you are eligible for a benefit as a divorced spouse that is equal to one-half of what your ex-spouse would receive at his full retirement age. For example, if he qualifies for a monthly benefit of ,000 at age 66, then you would qualify for ,000 per month at your full retirement age, also 6Your spouse may currently be younger than full retirement age, but his full retirement age year is simply used to determine what you would be entitled to. However, even if you qualify to do so, if you claim now, your benefit at 64 would be just 41.7% of your ex's benefit. It will be reduced because you are under your full retirement age..People who are already retired, or close to it, aren't able to make adjustments to retirement plans if benefits are abruptly cut..The House of Representatives has already passed legislation dealing with those problems and more, but there has been a great deal of fighting between the Republican Senators who are the majority in the Senate, and also between the Senate and the President..TSCL consists of vocally active senior citizens concerned about the protection of their Social Security, Medicare, and veteran or military retiree benefits. TSCL was first established as a special project of The Retired Enlisted Association. On January 1, 1995, TSCL became an independent 501[c][4] citizens' action organization..From 1950 through 1974, Social Security benefits were increased 11 times through separate pieces of ad hoc legislation at irregular intervals. The increases varied just as they do today but averaged 8% per year over the 24-year period although there were long lapses between COLAs during some periods..During our slow, arduous economic recovery that followed the financial crisis and recession of 2008 and 2009, many government programs, Social Security in particular, were stretched to the limit. A number that made headlines last year was the Social Security Trustees' estimate that the Social Security trust funds would run a billion cash deficit in 20Most of the time when the Social Security trust fund is referred to, we mean two trust funds - the old-age and survivor's insurance trust fund, that pays retirement and widows benefits, and the disability insurance trust fund..Which costs are rising fastest for you? Take TSCL's annual Senior Survey, visit..That's why I introduced the Seniors and Veterans Emergency Benefits Act to give seniors on Social Security, veterans, and people with disabilities a one-time payment of 1 to help cover this gap. The bill is fully paid for by closing a tax loophole that allows corporations to write off obscene bonuses to top executives as business expenses for their taxes..Due to a loop hole in Social Security law, the pending controversial Totalization Agreement, signed in June 2004, would allow millions of Mexican workers, and dependents on their accounts, to become entitled to Social Security benefits that include credit for earnings received while working illegally. If allowed to take effect, TSCL believes hundreds of billions in Social Security benefits are at stake.

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visiting the government's National Clearinghouse for Long Term Care Information.Most Americans contribute 6.2 percent of every paycheck to Social Security, but due to the payroll tax cap, people earning more than 8,400 contribute nothing over that amount. Eliminating the payroll tax cap would extend the solvency of the program responsibly, without cutting benefits for seniors. Do you agree?.Currently, Social Security COLAs are based on the CPI-W, which tracks the spending patterns of young, urban workers. This index underestimates the inflation that seniors experience since it fails to capture the medical and housing costs that many spend most of their incomes on. TSCL estimates that a CPI for seniors would put the annual COLA at two-tenths of a percentage point higher than the CPI-W. Over the course of a retirement, this would amount to several thousands of dollars more in Social Security benefits. … Continued

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As negotiations continue over the coming days, TSCL will continue to monitor them closely and encourage lawmakers to avoid another shutdown on December 11th, since it would likely have a negative impact on Social Security and Medicare benefits. For updates, visit the Legislative News section of our website..However, TSCL does oppose two provisions that lawmakers included in the package to offset the cost of the 0 billion bill: one provision would increase Medicare Part B and Part D premiums for wealthier seniors, and the second one would create a new 0 deductible for supplemental Medigap plans. Both provisions will require seniors to pay more for their health care, and TSCL feels strongly that seniors should not be required to cover the cost of the poor policy-making decisions that were made by Congress nearly twenty years ago.."Greenspan Calls For Repeal Of All The Bush Tax Cuts," Sewell Chan, The New York Times, August 6, 2010. … Continued