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Both Qualified Medicare Beneficiary (QMB) and Specified Low Income Medicare Beneficiary (SLMB) are programs that help needy Seniors or Disabled people with expenses related to Medicare.  Medicare Part B premiums are generally paid by Medicare recipients out of their monthly Social Security checks.  However, QMB and SLMB will pay those […]

Maybe, but you probably have to be out of work for at least twelve months.  In order to meet the Social Security Administration’s (SSA) definition of disabled, you must have a severe impairment that lasts for twelve months or more or is expected to end in death. For an impairment […]

I’m sorry to hear that, but your mother is in a very common situation. Many people think that Medicare will cover their nursing home bills for life. Unfortunately, that is not the case. Medicare only pays the nursing home for a few months, then you’re on your own. When a loved […]

Yes! You can retire as early as age 62, but your benefits will be reduced by 25 percent compared with your payment if you had waited until full retirement age to collect.  For example, if your unreduced benefit is $2000 per month, and you retire early at 62, then your […]

When someone applies for benefits from the Social Security Administration (SSA) based on a disability, that person is subject to a Five-Step Process to determine whether they are disabled.  Step One involves Substantial Gainful Activity (SGA) – the person must not be able to engage in SGA.  Although there are […]