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Zora Paladin
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FICA 40 credit requirement violates Thirteenth as well as Fifth and Fourteenth Amendments.

Platform Essentials

Extend regular treatment to those with less than 40 FICA credits. 

Direct all Payroll taxes to IRAs and H/MSAs.

Extend Medicare to all citizens.

Limit Medicare premiums to no more than ones FICA check.

Means Test FICA to provide checks only to SSI qualified.

Charge public school tuition and all healthcare bills on a sliding scale according to income.

Have all property owners set their own property value at that amount they will gladly accept and should anyone pay that amount to the Register of Deeds then said property transfers after two months.

Tax one hundred percent of real estate capital gains while ending capital gains taxes on securities.

Have all public corporations pay each job a set and unchanging number of shares.

End minimum wages and union and governmental pay and benefit raises.

Repeal the Sixteenth Amendment replacing such with a ten percent Federal sales tax on internet purchases.

Prime rate should match payroll tax rate.

1.If you are already collecting your retirement benefit and are at or over full retirement age, you can tell Social Security you want to suspend further benefits and then ask them to restart your benefits at a later date, say age 70. Social Security will then apply its Delayed Retirement Credit to your existing benefit once you start collecting again. Hence, this is a means by which current Social Security recipients who aren't yet 70 can collect higher benefits, albeit at the cost of giving up their check for a while. But this trade off will, on net, often be very advantageous. For example, if you started collecting at 62 and are now at your full retirement age, i.e., 66, you can suspend benefits until 70 and then start collecting 32 percent higher benefits for the rest of your life. This benefit collection strategy can be called Start Stop Start. We are in the process of rolling out a new update of, which incorporates Start Stop Start.
2.If you aren't now collecting and wait until 70 to collect your retirement benefit, your retirement benefit starting at 70 can be as much as 76 percent higher than your age-62 retirement benefit, adjusted for inflation. The reason is that your benefit is not reduced due to Social Security's Early Retirement Reduction; moreover, it's increased due to Social Security's Delayed Retirement Credit. For many people, the increase in the retirement benefit can be even higher if they continue to earn money after age 62 thanks to Social Security's Re-computation of Benefits.
3.But if you are married or divorced, waiting to collect your retirement benefit may be the wrong move. If you are the low-earning spouse, it may be better to take your retirement benefit starting at age 62 and then switch to the spousal benefit you can collect on your current or ex-spouse's account starting at your full retirement age. But beware of the Gottcha in item 5.
4.If you're married, you or your spouse, but not both, can receive spousal benefits after reaching full retirement age while deferring taking your retirement benefits and, thereby, letting them grow. This may require having one spouse file for retirement benefits, but suspend their collection. This is called the File and Suspend strategy.
5.Be careful! If you take your own retirement benefit early and are below full retirement age, you will be forced to take your spousal benefit early and at a permanently reduced level if your spouse collects his/her his/her retirement benefit before or in the month in which you apply to collect your retirement benefit. If your spouse is not collecting a retirement benefit when you apply for an early retirement benefit, you will not be deemed to be applying for your spousal benefit. Hence, you can start collecting your spousal benefit later. (See item 33)
6.Start Stop Start may also make sense for married workers who aren't already collecting and whose age differences are such they they can't take advantage of File and Suspend. Take, for example, a 62 year-old high earner, named Sally, with a 66-year old low earner spouse, named Joe. By starting retirement benefits early, Sally permits Joe to start collecting a spousal benefit immediately. The reason is that spouses aren't eligible to collect spousal benefits unless the worker is either collecting a retirement benefit or has filed for a retirement benefit, but suspended its collection. If Sally starts her retirement benefit at 62, Joe can apply just for his spousal benefit at 66 and then wait until 70 to collect his own retirement benefit, which will be at its highest possible value thanks to Social Security's Delayed Retirement Credit. As for Sally, she can suspend her retirement benefit at 66, when she reaches full retirement, and then restart it at 70, at which point her benefits will be 32 percent higher than what she was collecting. Even singles workers may opt for Start Stop Start to help with their cash flow problems.
7.If your primary insurance amount (your retirement benefit available if you wait until full retirement) is less than half that of your spouse and you take your own retirement benefit early, but are able to wait until full retirement age to collect your spousal benefit, your total check, for the rest of your life, will be less than one half of your spouse's primary insurance amount. Nonetheless, this may still be the best strategy. This reflects another Gotcha explained in 8.
8.On its website, Social Security states, "your spouse can receive a benefit equal to one-half of your full retirement benefit amount if they start receiving benefits at their full retirement age." This is true only if your spouse isn't collecting his/her own retirement benefit. If your spouse is collecting her own retirement benefit, his/her spousal benefit is calculated differently. Rather than equaling one half of your full retirement benefit, it's calculated as half of your full retirement benefit less your spouse's full retirement benefit. This difference is called the excess spousal benefit. The total benefit your spouse will receive is her retirement benefit, inclusive of any reduction, due to taking benefits early, or increment, due to taking benefits late, plus the excess spousal benefit. The excess spousal benefit can't be negative; i.e., its smallest value is zero.
Take Sue and Sam. Suppose they are both 62 and a) Sue opts to take her retirement benefit early and b) Sam opts to file and suspend at full retirement and take his retirement benefit at 70. Between ages 62 and 66 (their full retirement age), Sue collects a reduced retirement benefit, but is not forced to take her spousal benefit (which would be reduced) because Sam isn't collecting a retirement benefit during the years that Sue is 62 to 66. Now when Sue reaches age 66, she starts to collect an unreduced spousal benefit because Sam has qualified her to do so by filing and suspending for his retirement benefit. OK, but her unreduced spousal benefit is calculated as 1/2 x Sam's full retirement benefit less Sue's full retirement benefit. Sue ends up getting a total benefit equal to her own reduced retirement benefit plus her unreduced excess spousal benefit. This total is less than half of Sam's full retirement benefit. To see this note that the total equals half of Sam's full retirement benefit plus Sue's reduced retirement benefit minus Sue's full retirement benefit. The last two terms add to something negative.
9.Are there are two different formulas for spousal benefits depending on whether the spouse is collecting his/her own retirement benefit? It sure seems that way because when the spouse is collecting a retirement benefit, the excess spousal benefit (potentially reduced for taking spousal benefits early) comes into play. And when the spouse isn't collecting a retirement benefit, the spousal benefit equals half of the worker's full retirement benefit. (Note, the spouse has to collect a retirement benefit before full retirement age if she applies for her spousal benefit.) The answer, in fact, is no. There is only one formula. The formula for the spousal benefit is always the excess benefit formula. But here's what happens to the application of that formula if the spouse is not collecting a retirement benefit. In that case, the spouse's full retirement benefit (also called the Primary Insurance Amount) is set to zero in calculating the excess spousal benefit. The reason, according to Social Security, is that a worker's Primary Insurance does not exist (i.e., equals zero) if the worker has not applied for a retirement benefit (and either suspended its collection or started to receive it). In other words, your Primary Insurance Amount is viewed as non-existant until you apply for a retirement benefit. This construct - the primary insurance amount doesn't exist until it's triggered by a retirement benefit application -- lets Social Security claim to have one formula for spousal benefits. But there are, in effect, two spousal benefit formulas and which one you -- the person who will collect a spousal benefit -- faces will depend on whether or not you take your retirement benefit early.
10.If you are divorced, both you and your ex can collect spousal benefits (on each others work histories) after full retirement age while still postponing taking your own retirement benefits until, say, age 70, when they are as high as can be. This is an advantage for divorcees. But there's also a disadvantage. A divorcee who applies for spousal benefits before full retirement age will automatically be forced to apply for retirement benefits even if her/his ex isn't collecting retirement benefits.
11.There is no advantage to waiting to start collecting spousal benefits after you reach your full retirement age.
12.There is no advantage to waiting to start collecting survivor benefits after you reach your full retirement age.
13.If you started collecting Social Security retirement benefits within the last year and decide it wasn't the right move, you can repay all the benefits received, including spousal and child benefits, and reapply for potentially higher benefits at a future date.
14.If you wait to collect your retirement benefit after you reach your full retirement age, but before you hit age 70, you have to wait until the next January to see your full delayed retirement credit show up in your monthly check.
15.Millions of Baby Boomers can significantly raise their retirement benefits by continuing to work in their sixties. This may also significantly raise the spousal, child, and mother and father benefits their relatives collect.
16.If you take retirement, spousal, or widow/widower benefits early and lose some or all of them because of Social Security's earnings test, Social Security will actuarially increase your benefits (under the Adjustment of Reduction Factor) starting at your full retirement age based on the number of months of benefits you forfeited. This is true whether the loss in benefits due to the earnings test reflects benefits based on your own work record or based on your spouse's work record. Consequently, you should not be too concerned about working too much and losing your benefits if you elected to take them early.
17.When it comes to possibly paying federal income taxes on your Social Security benefits, withdrawals from Roth IRAs aren't counted, but withdrawals from 401(k), 403(b), regular IRAs, and other tax-deferred accounts are. So there may be a significant advantage in a) withdrawing from your tax-deferred accounts after you retire, but before you start collecting Social Security, b) using up your tax-deferred accounts before you withdraw from your Roth accounts, and c) converting your tax-deferred accounts to Roth IRA holdings after or even before you retire, but before you start collecting Social Security.
18.Social Security's online benefit calculators either don't handle or don't adequately handle spousal, divorcee, child, mother, father, widow or widower benefits, or file and suspend options.
19.The default assumptions used in Social Security's online retirement benefit calculators is that the economy will experience no economy-wide real wage growth and no inflation going forward. This produces benefit estimates that can, for younger people, be significantly less than what they are most likely to receive.
20.Some widows/widowers may do better taking their survivor benefits starting at 60 and their retirement benefits at or after full retirement. Others may do better taking their retirement benefits starting at 62 and taking their widow/widowers benefits starting at full retirement age.
21.If you're below full retirement age and are collecting a spousal benefit and your spouse is below full retirement age and is collecting a retirement benefit, your spousal benefit can be reduced if your spouse earns beyond the Earnings Test's exempt amount. And it can also be reduced if you earn beyond the Earnings Test's exempt amount.
22.The Windfall Elimination Provision affects how the amount of your retirement or disability benefit is calculated if you receive a pension from work where Social Security taxes were not taken out of your pay, such as a government agency or an employer in another country, and you also worked in other jobs long enough to qualify for a Social Security retirement or disability benefit. A modified formula is used to calculate your benefit amount, resulting in a lower Social Security benefit than you otherwise would receive.
23.Based on the Government Pension Offset provision, if you receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes, your Social Security spouse's or widow's or widower's benefits may be reduced.
24.If you have children, because you started having children late or adopted young children later in life, they can collect child benefits through and including age 17 (or age 19 if they are still in secondary school) if you or your spouse or you ex spouse are collecting retirement benefits.
25.If you have children who are eligible to collect benefits because your spouse or ex spouse is collecting retirement benefits, you can collect mother or father benefits until your child reaches age 16.
26.Your children can receive survivor benefits if your spouse or ex-spouse died and they are under age 18 (or age 19 if they are still in secondary school).
27.You can collect mother or father benefits if you spouse or ex-spouse died and you have children of your spouse or your ex-spouse who are under age 16.
28.There is a maximum family benefit that applies to the total benefits to you, your spouse, and your children that can be received on your earnings record.
29.If you choose to file and suspend in order to enable your spouse to collect a spousal benefit on your earnings record while you delay taking your benefit in order to collect a higher one later, make sure you pay your Medicare Part B premiums out of your own pocket (i.e., you need to send Social Security a check each month). If you don't, Social Security will pay it for you and treat you as waving (i.e., not suspending) your benefit apart from the premium and, get this, you won't get the Delayed Retirement Credit applied to your benefit. In other words, if you don't pay the Part B premiums directly, your benefit when you ask for it in the future will be NO LARGER than when you suspended its receipt. This is a really nasty Gotcha, which I just learned, by accident, from one of Social Security's top actuaries.
30.If you are collecting a disability benefit and your spouse tries to collect just his/her Social Security benefit early, she will be deemed to be filing for her spousal benefits as well. I.e., if your spouse takes his/her retirement benefit early, he/she won't be able to delay taking a spousal benefit early, which means both her retirement and spousal benefits will be permanently reduced thanks to the early retirement benefit and early spousal benefit reduction factors.
31.When inflation is low, like it is now, there is a disadvantage to delaying until, say 70, collecting one's retirement benefit. The disadvantage arises with respect to Medicare Part B premiums. If you collecting benefits (actually were collecting them last year), the increase in the Medicare premium this year will be limited to the increase in your Social Security check. This is referred to as being "held harmless." Hence, when inflation is low, the increase in your check due to the cost of living adjustment will be small, meaning the increase in your Medicare Part B premium will be limited. But, if you aren't collecting a benefit because you are waiting to collect a higher benefit later, tough noogies. You're Medicare Part B premium increase won't be limited. And that increase will be locked into every future year's Medicare Part B premium that you have to pay. You can wait to join Medicare until, say, age 70, but if you aren't working for a large employer, the premiums you'll pay starting at 70 will be higher and stay higher forever. So much for helping the government limit its Medicare spending!
32.Hold harmless -- the provision that your increase in Medicare Part B premium cannot exceed the increase in your Social Security check due to Social Security's Cost of Living Adjustment -- does not apply if you have high income and are paying income-related Medicare Part B premiums.
33.The thresholds beyond which first 50 percent and then 85 percent of your Social Security benefits are subject to federal income taxation are explicitly NOT indexed for inflation. Hence, eventually all Social Security recipients will be tax on 85 percent of their Social Security benefits.
34.If you take your retirement benefit early and your spouse takes his/her retirement benefit any time that is a month or more after you take your retirement benefit, you will NOT be deemed, at that point (when your spouse starts collecting his/her retirement benefit) to be applying for a spousal benefit. In other words, you can, in this situation, wait until your full retirement age to start collecting your unreduced excess spousal benefit. The retirement benefit collection status of your spouse in the month you file for early retirement benefits determines whether you are deemed to be also be applying for spousal benefits. This means that you should think twice about applying for retirement benefits in the same month as your spouse if one or both of you are applying early.

If you reach 65 without 40 or at least 30 FICA credits, you probably don’t have the credentials or ability to overcome age discrimination sufficient to secure employment plus if you’re handicapped, there are no disability benefits for you. Everyone should be entitled to their social security check based on their actual earnings without an under ten year cutoff of all benefits. Such constitutes an unconstitutional taking and, surely, as such, ones Medicare premiums should be limited to and never exceed ones Social Security check. Everyone should qualify for Medicare. Perhaps, those with high incomes can afford higher premiums but certainly not those with low incomes. Provision could be made to allow one to buy the additional credits needed at the going payroll tax rates. At the very least those having to pay Part A premiums should be earning at least a credit per month for doing so and not be locked in to paying excessive premiums indefinitely. Moreover, if unable to pay, any tax penalty should be paid into their IRA/H/MSA to be used for their medical bills.

H/MSAs were supposed to be combined with low cost high deductable insurance policies. In fact they were tied with unaffordable low to medium deductable insurance policies with investment management fees that negated both the appreciation and capital. Clearly, tax free savings through newly reformed H/MSAs must be reinstated.

Medicare premiums should never exceed ie. be limited to ones FICA income.

The Lack of Insurance Taxes
You will be fined for not having sufficient life insurance because otherwise your family will go on welfare. You will be fined for not having sufficient home insurance for you’re going to expect FEMA to cover all your flood and fire losses every time even if you keep rebuilding right next to the water or forest plus you’re going to expect the police victim’s assistance programs to cover your theft losses. Soon not only the IRS but every state revenue department will be exacting every growing totally unjustifiable unable to afford healthcare premiums fines.
Of course if you do not have health insurance it makes perfectly good sense for the IRS to take all your income in fines to assure you have no money to pay your medical bills. And where exactly do these new tax revenues go? They should stay in that taxpayer’s H/MSA. Without the middle man insurance companies reaping record profits from collecting unaffordable premiums perchance we could invest enough in our tax free Health/Medical Savings Accounts over a lifetime to be able to actually pay our own bills.
The Congress could better put all healthcare providers on a government salary supported by a truly progressive tax system or make medical licensing dependant on accepting payment on a sliding scale according to patient’s income.  Cost shifting to insurance companies and the government made run away healthcare inflation inevitable. Still, if you cannot afford the premiums, how can ObamaCare work?  The refundable tax credit formulas are beyond comprehension and as always financially unsound, inadequate, and unsustainable. I continue to advocate directing all payroll taxes into IRAs and H/MSAs.  From it’s inception FICA should have been means tested with only those qualifying for SSI receiving assistance and revenues invested in stocks, bonds, and real estate, et seq. like every other investment fund. Soon all Social Security payments will be consumed by Medicare premiums.
Consider those with less than forty FICA credits. Are they required to pay not only Medicare Part A premiums plus Part B, C, and D? Such premiums are not covered under State Medicaid nor any provision of ObamaCare. So, the Supreme Court thinks its fine to fine the most vulnerable seniors who have had even their payroll taxes over a lifetime taken without any compensation.

Invest payroll taxes in IRAs and HSA/MSAs. Slash all government salaries and positions. Only SSI qualified to get FICA checks.

Don't lump small and large savers together nor try to compare income vs capital gains rates.

Focus must be on spending cuts to pay off debt by legally requiring an annual ten percent budget surplus.

End all the corporate tax credits and individual itemized deductions.
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