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<v Speaker 1>It's Night Side with Dan Ray I WBS Costs Radio.

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<v Speaker 2>Well, thank you very much. Welcome back everyone to hour

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<v Speaker 2>number two. Delighted to be joined by Jim Roosevelt. James

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<v Speaker 2>Roosevelt who's been a friend for many, many years, and

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<v Speaker 2>last night we were supposed to have him, but he

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<v Speaker 2>was on a train that ran some transportation problems and Jim,

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<v Speaker 2>I trust your off that train. How are you tonight?

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<v Speaker 3>I'm off that train and I slept in my own

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<v Speaker 3>bed last night. Yeah.

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<v Speaker 2>Let me tell you. We spoke last night for about

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<v Speaker 2>an hour about Social Security, which has obviously had a

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<v Speaker 2>lot of a lot of conversation lately dealing with Social Security.

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<v Speaker 2>You probably know more about Social Security than anyone that

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<v Speaker 2>I know, as the grandson of Franklin Roosevelt, who signed

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<v Speaker 2>the Sociecurity Act in five and you've been involved in

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<v Speaker 2>insurance and been served as as a commissioner on the

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<v Speaker 2>so Security Board. I'd just like to start off with

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<v Speaker 2>a couple of questions that I think are foundational. And

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<v Speaker 2>I'm not sure most people really understand Social Security, and

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<v Speaker 2>I think it's important for people to understand it. I

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<v Speaker 2>do social Security system as an insurance program. How far

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<v Speaker 2>how far wrong am I on.

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<v Speaker 3>That, and you've got it right. Actually, a lot of

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<v Speaker 3>people think of it as a retirement investment program. Apparently

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<v Speaker 3>our friend Elon thinks of it that way. That's not

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<v Speaker 3>what it is. I'm all for people saving money and

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<v Speaker 3>having all kinds of investment accounts, but particularly for one

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<v Speaker 3>case and health savings accounts and so on, that's not

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<v Speaker 3>what social Security is. Social Security, as my grand father said,

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<v Speaker 3>is insurance against destitution in old age, or in disability,

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<v Speaker 3>or from the loss of a parent. It's fundamentally it's

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<v Speaker 3>just like your homeowner's insurance, your auto insurance, or even

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<v Speaker 3>your health insurance. You buy insurance, you spread out the

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<v Speaker 3>risk when you need to need payments, either of your

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<v Speaker 3>age or because of a disability or something like that.

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<v Speaker 3>The people who currently are paying premiums.

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<v Speaker 4>Pay for that.

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<v Speaker 3>But it's not a Ponzi scheme. As Elon decided to

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<v Speaker 3>call it. That indicated he either doesn't understand what Social

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<v Speaker 3>Security is or he doesn't understand what a Ponzi scheme is.

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<v Speaker 2>I also look at it as a besides being an

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<v Speaker 2>insurance program, it's also a contract. I don't want to

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<v Speaker 2>take it to the level of it being a social contract.

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<v Speaker 2>But I think it's a contract where if you pay

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<v Speaker 2>in and you work the requisite number of years, which

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<v Speaker 2>is ten years or forty quarters upon a certain time,

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<v Speaker 2>you then are able to receive some retirement benefits. So

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<v Speaker 2>I see it as kind of twofold insurance and contractual. Yes.

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<v Speaker 3>No, so, yeah, social security. A lot of people kind

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<v Speaker 3>of shigh away from the term social contract, but it's

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<v Speaker 3>a contract between you as a worker and other workers

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<v Speaker 3>represented by the government. Basically, you pay your fair share,

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<v Speaker 3>you expect to get your fair share of benefits.

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<v Speaker 2>Yeah, so there's sort of these dual elements of it.

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<v Speaker 3>Now.

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<v Speaker 2>I know that a lot of people are pretty freaked

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<v Speaker 2>out about some of the stories that have been written

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<v Speaker 2>into the newspaper. In the newspapers recently, I referenced last

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<v Speaker 2>night not only your experience, but also the piece that

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<v Speaker 2>now I guess is I'm not sure if it's hit

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<v Speaker 2>the Globe yet or not, but there's there's a piece

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<v Speaker 2>with you in the in the Globe, and I'm not

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<v Speaker 2>sure if it's in the digital edition or if we'll

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<v Speaker 2>get it tomorrow.

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<v Speaker 3>Was updated, it's only been in the in the digital edition.

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<v Speaker 3>You're right, you know that I know that because we

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<v Speaker 3>still look at the great edition, right.

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<v Speaker 2>Yes, of course, of course, of course we're of the

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<v Speaker 2>same uh, the same vintage Jim Roosevelt. So uh that.

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<v Speaker 3>Yeah.

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<v Speaker 2>Robert Reisman of the Globe staff, uh has has this

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<v Speaker 2>piece which I suspect will be in the paper tomorrow.

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<v Speaker 3>Uh.

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<v Speaker 2>Sean Murphy wrote a piece yesterday, uh, digging into Social Security,

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<v Speaker 2>which which looked at a lot of these these issues.

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<v Speaker 2>And what troubles me is I I did an hour,

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<v Speaker 2>well I did two hours last night on it, and

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<v Speaker 2>there were a lot of people who had questions. And

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<v Speaker 2>I'm not the expert on soci security. I think I

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<v Speaker 2>understand it, but I was trying to sort of assuage

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<v Speaker 2>people's apprehensions. I mean, I think people need to be alert,

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<v Speaker 2>People need to be aware of what's going on. You yourself,

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<v Speaker 2>you know, not only again you served you're an Associate

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<v Speaker 2>Commissioner for retirement policy at the Social Security Administration. It's

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<v Speaker 2>been headed by Republicans and Democrats. Jim Astrew is a

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<v Speaker 2>friend of mine who was the Social Security Commissioner cast

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<v Speaker 2>My Gaster. I apologize, I apologize. I was thinking of

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<v Speaker 2>his son. Actually they went to school together at Roxbury

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<v Speaker 2>Latin School. So that's what happened. You you you missed,

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<v Speaker 2>but he's uh, he was a George Bush forty three appointee,

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<v Speaker 2>if I recall.

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<v Speaker 5>Yeah, correct and R and so this is this has

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<v Speaker 5>become this political issue with you know, Elon Musk having

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<v Speaker 5>been injected.

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<v Speaker 2>Into the middle of it. And I'm just wondering if uh,

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<v Speaker 2>I don't know anybody who is in favor of waste

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<v Speaker 2>and uh and you know, wasteful spending and fraud. So

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<v Speaker 2>I'm assuming everyone would like to see any waste of

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<v Speaker 2>fraud that is identified cleaned up. But how much waste

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<v Speaker 2>of fraud? I've read enough of your piece yesterday. You

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<v Speaker 2>don't think there's a lot of waste and fraud. There

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<v Speaker 2>may be mistakes, there may be some people who are

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<v Speaker 2>on the system who shouldn't be, but the Republicans have

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<v Speaker 2>made and matter of fact, President Trump in his speech

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<v Speaker 2>to the Joint Session of Congress made that comment that

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<v Speaker 2>they were like, I don't know, three five thousand people

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<v Speaker 2>over the age of one hundred and fifty did you

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<v Speaker 2>watch that speech? And if you did, I'd love to

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<v Speaker 2>know what your reaction was to it, because I think

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<v Speaker 2>what the President was saying clearly clearly was misleading.

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<v Speaker 3>Well, I did watch the speech, and I'm not going

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<v Speaker 3>to comment on my views overall. I'll just on Social

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<v Speaker 3>Security mislet someone misled him on that what he was taking.

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<v Speaker 3>He seemed to say that there was this large number

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<v Speaker 3>of people over getting benefits over the age of one

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<v Speaker 3>hundred and fifty. There is nobody getting benefits in that category.

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<v Speaker 3>First of all, when you reach out when the records

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<v Speaker 3>show that you reached one hundred and fifteen, your benefits

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<v Speaker 3>automatically stop and they will reach out to you and say,

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<v Speaker 3>show us that you're still alive. Okay, So it's just

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<v Speaker 3>mechanically impossible. But secondly, the reason it appears that way,

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<v Speaker 3>and this is the problem with what the kids and

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<v Speaker 3>I do mean kids. If you consider a nineteen twenty

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<v Speaker 3>twenty one year old a kid, which I do. When

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<v Speaker 3>the kids go in and don't really understand something, they

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<v Speaker 3>make mistakes and they have not had enough experience to say,

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<v Speaker 3>wait a minute, that doesn't compute. They also don't takes

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<v Speaker 3>the time. You know, the Silicon Valley is saying work

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<v Speaker 3>fast and break things. Well, they work fast and they

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<v Speaker 3>don't ask, well, why would it show up that there's

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<v Speaker 3>that many people that old. Well, it's because so Security

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<v Speaker 3>had one of the first totally computer based systems for

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<v Speaker 3>doing people's benefits. It's written in a computer language that

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<v Speaker 3>was invented fifty or sixty years ago, invented actually by

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<v Speaker 3>a team led by the first female admiral ever, Grace Hopper,

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<v Speaker 3>and there was no setting in that language to insert

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<v Speaker 3>the date when people when people were born. So they

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<v Speaker 3>made up a date as a default and they picked

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<v Speaker 3>a date sometime in the eighteen eighties so that people

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<v Speaker 3>wouldn't get confused. Yeah, there was no default date. If

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<v Speaker 3>you had a date, it was okay, But there was

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<v Speaker 3>no default date.

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<v Speaker 2>So one would characterize that, and I've characterized it to

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<v Speaker 2>the dismay of some of my listeners as in effect

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<v Speaker 2>what would be called a coding error.

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<v Speaker 3>That's exactly what it will was. And it's not that

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<v Speaker 3>it was somebody's fault. It's that the code at that

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<v Speaker 3>point did not allow for a default date, and so

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<v Speaker 3>that all the people who had signed up for SOCI

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<v Speaker 3>Security before there was computer code were listed on this

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<v Speaker 3>data in eighteen eighty okay. And it doesn't impact benefits

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<v Speaker 3>at all, because, as I say, there's automatic cutoffs, and

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<v Speaker 3>in general, Social Security has the Master Death List, where

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<v Speaker 3>almost every death that occurs in the United States is

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<v Speaker 3>reported to Social Security.

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<v Speaker 4>Right.

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<v Speaker 2>I learned that the other day as I was doing

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<v Speaker 2>some research on it. I did not realize as an

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<v Speaker 2>obligation of funeral homes to file a report of someone's passing.

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<v Speaker 2>I was unaware of that.

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<v Speaker 3>That is absolutely right, Yeah, that's absolutely right. That is

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<v Speaker 3>a major source. But state medical examiners and departments of

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<v Speaker 3>public health are also required to report.

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<v Speaker 2>Now, I assume that if there's some people living in

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<v Speaker 2>the wiles of Montana and someone passes away and there's

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<v Speaker 2>no I guess it's conceivable that someone could be buried

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<v Speaker 2>out on the back forty and a nice you headstone there,

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<v Speaker 2>but the government would not know that. So there could

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<v Speaker 2>be theoretically a handful of people here or there. But

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<v Speaker 2>those people, if they were getting so Security checks every

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<v Speaker 2>month for someone who had not been reported had passed,

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<v Speaker 2>and if they were crazy enough to cash those checks,

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<v Speaker 2>they're involved. They're committing fraud against the government, cashing a

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<v Speaker 2>check on behalf of someone other than themselves.

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<v Speaker 3>Correct, they would end up in federal court charged with

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<v Speaker 3>a crime. Absolutely so Okay. Another little known fact people

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<v Speaker 3>don't know, and another reason that there is so little

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<v Speaker 3>fraud at Social Security is so Security has its own

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<v Speaker 3>police force that goes after things like this. It works

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<v Speaker 3>out of the Inspector General's office, but they're actually Social

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<v Speaker 3>Security police that investigate things like this. And there are

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<v Speaker 3>a few people who try to defraud the system. The

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<v Speaker 3>most notorious one is when people try to have checks

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<v Speaker 3>diverted to their bank account by stealing people's bank account

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<v Speaker 3>and social security numbers. When I was, as you remember, Dan,

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<v Speaker 3>when I ran tough self planned, one day a couple

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<v Speaker 3>of Social Security police officers showed up at the front

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<v Speaker 3>desk and they called me from down there and said,

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<v Speaker 3>we've got a couple of people here who say there

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<v Speaker 3>are Social Security police officers. And I said, yeah, I

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<v Speaker 3>know what that is. You do, Yes, I do from

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<v Speaker 3>when I worked to work there, And so we talked

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<v Speaker 3>with them about My general counsel joined me in talking

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<v Speaker 3>with them, and they said, we think three of your

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<v Speaker 3>employees are taking screenshots of people's health plan records to

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<v Speaker 3>get their day to birth, their social Security number, and

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<v Speaker 3>their and their bank account numbers and diverting checks there.

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<v Speaker 3>And they investigated they had arrested three health plan employees

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<v Speaker 3>on the spot and ultimately prosecuted them and they went

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<v Speaker 3>to prison. Okay, this is not like, you know, like

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<v Speaker 3>just let it go.

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<v Speaker 2>No, I just did it because obviously, if money is misdirected,

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<v Speaker 2>or if there are those engaged in fraud, that means

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<v Speaker 2>that So Security has less funds available to pay out

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<v Speaker 2>to people who either have a disability, you know, or

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<v Speaker 2>the surviving spouse of someone who hadn't worked, or a retiree.

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<v Speaker 2>My guest is Jim Rosell. As you can tell, he

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<v Speaker 2>knows a lot about this subject. And I have tried

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<v Speaker 2>to cut through the statements that has been made that

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<v Speaker 2>have been made by the Trump administration, and I have

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<v Speaker 2>not taken any of them on face value, and every

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<v Speaker 2>one that I have tried to investigate. The latest one

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<v Speaker 2>that they have, which I'm going to ask Jim if

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<v Speaker 2>if he's heard about it, is that some of the

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<v Speaker 2>folks who have come in in the last few years

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<v Speaker 2>have been given Social Security numbers even though they are

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<v Speaker 2>not US citizens. Now, those comments were made by Musk,

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<v Speaker 2>I believe over the weekend in Wisconsin. Jim, I don't

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<v Speaker 2>know if you're up to date on those or not.

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<v Speaker 2>But I wanted to ask you about those on the

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<v Speaker 2>other side because it seems to me that the burden

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<v Speaker 2>of proof does risk rest with the Trump administration. And

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<v Speaker 2>when I as go back to the to the speech

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<v Speaker 2>the President made to the Joint Session of Congress, when

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<v Speaker 2>he was going on with those numbers, I thought to myself,

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<v Speaker 2>this cannot be true. It just cannot be true, or

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<v Speaker 2>people would know about it, because if people were ripping

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<v Speaker 2>off the government, they would tell their friends. Hey, it's easy.

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<v Speaker 2>So if you like to ask Jim Roosevelt a question

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<v Speaker 2>about Social Security, and I want to get into some

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<v Speaker 2>of the plans. There are our offices that are going

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<v Speaker 2>to be closed. There's going to be a couple of

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<v Speaker 2>changes that are significant regarding a telephone access, when you

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<v Speaker 2>have when you want to change your depositor bank. We'll

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<v Speaker 2>go through all of that and take your questions along

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<v Speaker 2>the way. My name is Dan Ray. This is Nightsime.

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<v Speaker 2>My guess is Jim Rosevelt, who knows probably more about

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<v Speaker 2>Social Security than anyone I know. Six one, seven, two, five,

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<v Speaker 2>four ten thirty, six one seven, nine, three, one, ten

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<v Speaker 2>thirty Those are the numbers that get you through. Jim

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<v Speaker 2>will stay with us until ten o'clock and he's he's

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<v Speaker 2>agreed to do an hour and take some phone calls.

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<v Speaker 2>So if you want to ask a question, now is

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<v Speaker 2>the time I learned in law school. As I've told

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<v Speaker 2>you many times, there are no such things as dumb questions.

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<v Speaker 2>The only dumb questions the ones you don't have the

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<v Speaker 2>courage to ask, because those are the ones that show

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<v Speaker 2>up in the midterm of the final exam. Trust me, back,

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<v Speaker 2>couldn't That's through Jim, It's through back, couldn't that side?

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<v Speaker 1>Right after of this, you're on Night Side with Dan

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<v Speaker 1>Ray on Boston's News Radio.

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<v Speaker 2>My guest is Jim Roosevelt, the grandson of Franklin Delano Roosevelt.

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<v Speaker 2>He certainly understands the Social Security system. He worked as

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<v Speaker 2>an Associate Commissioner for Retirement Policy for soci Security Administration

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<v Speaker 2>before joining Tough's Health Plan as their senior vice president

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<v Speaker 2>and general counsel. Now, I don't want to put you

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<v Speaker 2>on the spot here, but there was some comments made

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<v Speaker 2>I think at a campaign rally in Wisconsin. They're having

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<v Speaker 2>a fight out there for one of these they elect

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<v Speaker 2>their state Supreme Court justices. In response and putting that aside,

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<v Speaker 2>and over the weekend, either Elon Musk or one of

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<v Speaker 2>his associates claimed that they had found a lot of

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<v Speaker 2>people who were getting Social Security benefits who had been

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<v Speaker 2>given Social Security numbers by the bidenministration, but people who

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<v Speaker 2>are here illegally. Is there any substance to that. If

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<v Speaker 2>you haven't heard about it, there's no reason for you

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<v Speaker 2>to comment on it.

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<v Speaker 3>But I did hear about it over the weekend, so

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<v Speaker 3>I did some checking yesterday because the numbers didn't make

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<v Speaker 3>sense to me, and they were large numbers. What I

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<v Speaker 3>found out is these are people who legally got Social

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<v Speaker 3>Security cards because and they would get them now under

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<v Speaker 3>the Trump administration. It's not a political Like almost everything

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<v Speaker 3>within Social Security, it's actually not a political issue. It's

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<v Speaker 3>actually an administrative issue. If you are here legally on

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<v Speaker 3>a visa that lets you work, and you get a

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<v Speaker 3>Green card, you are required to get a Social Security

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<v Speaker 3>number so that when you work, you pay taxes and

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<v Speaker 3>your employer pays taxes. So that's what these numbers are. Again,

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<v Speaker 3>this is a matter of not understanding what they're dealing

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<v Speaker 3>with fair enough.

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<v Speaker 2>I mean, the numbers that they threw out there are

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<v Speaker 2>are astonishing if true. But but again I think you've

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<v Speaker 2>You've given an explanation, and let's we have full lines.

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<v Speaker 2>Let's see what some of our callers want to talk about.

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<v Speaker 2>And what I'm going to do is just take a

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<v Speaker 2>very quick pause. We have to break for the news

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<v Speaker 2>at the bottom of the hour. I wanted to get

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<v Speaker 2>rid of that question. Uh, some of these questions might

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<v Speaker 2>be with their own circumstances. Again, if you can help

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<v Speaker 2>them and guide them, that's great. I do know that

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<v Speaker 2>there will be some Social Security offices closed if the

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<v Speaker 2>DOGE team has their way, And I do know that

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<v Speaker 2>I believe you can help me here on this one.

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<v Speaker 2>That some of the telephone services that were available before

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<v Speaker 2>today no longer can be accomplished over the phone. Most specifically,

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<v Speaker 2>if you want to change the bank that where your

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<v Speaker 2>so security check is deposited directly. My correct on that

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<v Speaker 2>that now people once they want to change their bank,

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<v Speaker 2>theoretically an effort to avoid people becoming the victims of fraud,

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<v Speaker 2>they have to go to the to a Social Security

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<v Speaker 2>office and make that request in person.

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<v Speaker 3>That is the rule that has been announced by the

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<v Speaker 3>Acting Commissioner appointed by Musk and Trump. And actually I

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<v Speaker 3>don't think that's a bad rule if you really want

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<v Speaker 3>to know. Okay, there, it's not so security fraud, it's

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<v Speaker 3>bank fraud. Okay. And yes, you can ask enough questions

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<v Speaker 3>on the phone to eliminate ninety nine point nine percent

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<v Speaker 3>of the fraud. But the point one percent people pretty

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<v Speaker 3>unhappy if someone gets their so security check. So I

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<v Speaker 3>actually think that one's okay.

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<v Speaker 2>Okay, Well again, I think that's when I hear you

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<v Speaker 2>say that, that means a lot to me. So we'll

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<v Speaker 2>take a quick break. We've got a news break coming up,

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<v Speaker 2>and I'm going to ask everyone who wants to get

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<v Speaker 2>on the line if you have a question, great, not

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<v Speaker 2>here to debate Jim Roosevelt. Please, you don't want to

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<v Speaker 2>make that mistake. If you have a question, more than

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<v Speaker 2>happy to entertain the question. And we'll try to get

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<v Speaker 2>to as many callers as we can between now and

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<v Speaker 2>ten o'clock right after this.

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<v Speaker 3>Quickness, and we can talk about the office closures when

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<v Speaker 3>we come back.

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<v Speaker 2>Yes, absolutely, that's that's that's another one that we can

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<v Speaker 2>that we will hit upon, that's for sure. Back on

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<v Speaker 2>night Side right after this.

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<v Speaker 1>Night Side with Dan Ray on Boston's News Radio with.

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<v Speaker 2>Me's Jim Roosevelt. Jim, we wanted to talk about there

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<v Speaker 2>will be some office closures, which I don't know how

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<v Speaker 2>much inconvenience. It's impossible to even anticipate how much inconvenience

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<v Speaker 2>that will cause people. But I guess if they're going

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<v Speaker 2>to cut back staff, and they have there will be

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<v Speaker 2>there will be fewer office closures.

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<v Speaker 3>Your comments on those, so be the doge kids that

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<v Speaker 3>I call them, release a long list of offices that

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<v Speaker 3>are going to be closed. Some of them were regular

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<v Speaker 3>field offices, like you having many cities and towns, including

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<v Speaker 3>Cambridge where I live. Some of them were hearing offices

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<v Speaker 3>where you go when you appeal a denial of disability

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<v Speaker 3>benefits or some problem with your retirement benefits. The list

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<v Speaker 3>as it first came out was very long, many closures.

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<v Speaker 3>Some of them did not make sense geographically. Some of them,

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<v Speaker 3>as you say, are going to be necessary if they're

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<v Speaker 3>going to cut the staff. They have proposed cutting the

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<v Speaker 3>staff by twelve percent, and SOUB Security was already at

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<v Speaker 3>a bare bone staffing, the lowest staffing in the history

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<v Speaker 3>of the agency, while having the highest number of beneficiaries

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<v Speaker 3>in the history of the agency. So if they're going

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<v Speaker 3>to cut the staff. They probably do need to close

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<v Speaker 3>some offices. They've already pulled back on some of those

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<v Speaker 3>that we understand that that would be too much of

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<v Speaker 3>a burden on people. I think there will be more changes,

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<v Speaker 3>but people should stay alert on that.

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<v Speaker 2>Okay, And one final question. I was able to a

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<v Speaker 2>few years ago create my own social security my personal

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<v Speaker 2>social Security account. It's called a free insecure of my

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<v Speaker 2>Social Security. My understanding is that if you have a

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<v Speaker 2>my Social Security account, you have already proven your identity

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<v Speaker 2>to the government satisfactorily that if I were to move

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<v Speaker 2>and have to change my bank deposit, if you have

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<v Speaker 2>a my Social Security account, you can do that electronically.

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<v Speaker 2>You do not have to visit an office. Am I

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<v Speaker 2>correct in that?

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<v Speaker 3>That is the current state of the rules?

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<v Speaker 2>Okay?

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<v Speaker 3>That works great for somebody who's computer savvy, even to

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<v Speaker 3>a basic degree like me, and I suspect you.

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<v Speaker 2>Let me tell you it was. It was not a

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<v Speaker 2>walk in the park, but I was able to accomplish

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<v Speaker 2>it myself.

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<v Speaker 3>I feel about things thought on computer right. So if

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<v Speaker 3>you can do that, yeah, you're all set. But not

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<v Speaker 3>everybody can do that. And that's why again, cutting staff

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<v Speaker 3>is going to be a problem.

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<v Speaker 2>Yeah, and I hope I hope that some of the

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<v Speaker 2>senior centers and some of the senior organizations with every community,

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<v Speaker 2>we'll learn how to do that and help people and

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<v Speaker 2>walk them through it. Let's go to phone calls, my friend,

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<v Speaker 2>we got a lot of people want to talk with you.

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<v Speaker 2>Let me start it off with and again, I'm going

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<v Speaker 2>to ask everyone please, we're not looking at debates, questions, comments.

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<v Speaker 2>I'm going to move through a lot of callers quickly.

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<v Speaker 2>Let me start it off with John and Boston. John,

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<v Speaker 2>go right ahead, You're on with Jim Roosevelt.

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<v Speaker 4>Yeah, h good evening, good evening.

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<v Speaker 3>Sure.

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<v Speaker 4>I'm wonder if you could just mention what is the

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<v Speaker 4>difference between the three types of social securities? Is A

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<v Speaker 4>d I is as regular social security that I might

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<v Speaker 4>know it as and SSI Because I know on the SSI,

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<v Speaker 4>I am not allowed to leave the country more than

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<v Speaker 4>thirty days. If I do, we'll take it away from me.

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<v Speaker 4>I'm not allowed to have more than two thousands of

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<v Speaker 4>the banks. And okay, let's.

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<v Speaker 2>Explain that before we get to your situation. John. Let's

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<v Speaker 2>get Jimmy. You're familiar with those specific categories. Can you

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<v Speaker 2>comment on those.

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<v Speaker 3>I am yes. A basic part of social Security is

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<v Speaker 3>Social Security Disability Insurance ssd I, and that's you applied

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00:23:32.680 --> 00:23:36.359
<v Speaker 3>if you're disabled or injured, and there are a lot

401
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<v Speaker 3>of rules to follow because you have to demonstrate that

402
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<v Speaker 3>you are unable to work in order to get it.

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<v Speaker 3>But that's the basic disability coverage. Then there there is SSI,

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<v Speaker 3>which actually is not related to pardon me, yeah, what

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<v Speaker 3>is the difference.

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<v Speaker 2>He's about to explain it, John, Just hold on, okay,

407
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<v Speaker 2>go ahead, go ahead, Please get this.

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<v Speaker 3>So FFI is something totally different. That's Supplemental Security Income

409
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<v Speaker 3>and it is essentially an income, an income replacement program.

410
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<v Speaker 3>It's not an arned benefit like the rest of Social Security.

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<v Speaker 3>It depends on a means test and it's not funded

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<v Speaker 3>out of the Trust Fund of Social Security. It's appropriated

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<v Speaker 3>by Congress out of the general budget. So that's a

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<v Speaker 3>separate thing. And then there is a Supplemental Disability Income,

415
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<v Speaker 3>which if you are extremely disabled you can get some

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<v Speaker 3>supplemental disability income.

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<v Speaker 4>No, I think you know. I asked if I could

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<v Speaker 4>leave the country to go to school another country, and

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<v Speaker 4>they said I can't because if I do, I would

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<v Speaker 4>lose it.

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<v Speaker 2>Okay, let's see if that's true. Let's see John, Let's

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<v Speaker 2>see if that's true.

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<v Speaker 3>Jim Roselt. So you would not lose sociecurity disabilit the

424
00:25:00.279 --> 00:25:04.319
<v Speaker 3>income coverage, but you would lose SSI coverage because that's

425
00:25:04.400 --> 00:25:10.799
<v Speaker 3>to meet your cost of living in this country.

426
00:25:11.359 --> 00:25:13.559
<v Speaker 4>I wish you would mention there was a woman in you.

427
00:25:14.079 --> 00:25:16.920
<v Speaker 4>I saw this cabinet that doesn't get credit for Social Security.

428
00:25:16.960 --> 00:25:19.519
<v Speaker 4>Her name was Francis Perkins. Do you know can you

429
00:25:19.559 --> 00:25:20.039
<v Speaker 4>mention her?

430
00:25:20.319 --> 00:25:25.559
<v Speaker 3>I'm actually I actually did a talk last week at

431
00:25:25.599 --> 00:25:29.240
<v Speaker 3>Temple Israel about Francis Perkins with the author of a

432
00:25:29.279 --> 00:25:32.000
<v Speaker 3>new book about her. The new book is called Dear

433
00:25:32.039 --> 00:25:33.200
<v Speaker 3>Miss Perkins.

434
00:25:33.400 --> 00:25:33.799
<v Speaker 6>UH.

435
00:25:34.079 --> 00:25:36.519
<v Speaker 3>She was the only she was the first woman ever

436
00:25:36.799 --> 00:25:39.640
<v Speaker 3>in a presidential cabinet. She was the only person in

437
00:25:39.799 --> 00:25:43.720
<v Speaker 3>all four cabinets of my of the New Deal administrations.

438
00:25:44.279 --> 00:25:44.759
<v Speaker 2>UH.

439
00:25:45.200 --> 00:25:48.279
<v Speaker 3>And she was a real hero. The dear Miss Perkins

440
00:25:48.279 --> 00:25:52.720
<v Speaker 3>are people who would write about UH, people particularly children

441
00:25:52.880 --> 00:25:57.119
<v Speaker 3>and Jewish people who were displaced by the Nazis, and

442
00:25:57.240 --> 00:26:00.279
<v Speaker 3>they would write and say, dear miss Perkins, and you

443
00:26:00.400 --> 00:26:04.799
<v Speaker 3>help us get refugee status. And she particularly helped those people.

444
00:26:05.200 --> 00:26:08.960
<v Speaker 3>So she was a wonderful wonderful hero. She was also

445
00:26:09.039 --> 00:26:13.160
<v Speaker 3>controversial in her time because she tried to expand people's

446
00:26:13.200 --> 00:26:17.480
<v Speaker 3>access to benefits, even with an attempt to impeach her,

447
00:26:17.720 --> 00:26:23.400
<v Speaker 3>which failed. Fortunately she but my grandfather did not walk

448
00:26:23.440 --> 00:26:25.519
<v Speaker 3>away from her. He kept her in the cabinet even

449
00:26:25.559 --> 00:26:26.720
<v Speaker 3>though people went after her.

450
00:26:27.279 --> 00:26:29.200
<v Speaker 2>John great questions. Thank you much for your call. Let

451
00:26:29.200 --> 00:26:32.200
<v Speaker 2>me go next to Kathleen and Melrose. Kathleen, you're next time,

452
00:26:32.240 --> 00:26:33.160
<v Speaker 2>Nisager right ahead.

453
00:26:34.119 --> 00:26:36.079
<v Speaker 7>Hi, thanks for taking this call. I have a quick

454
00:26:36.160 --> 00:26:38.640
<v Speaker 7>question at specifics, so tell me if you can answer

455
00:26:38.680 --> 00:26:41.160
<v Speaker 7>it or not. I'm calling for my mom. She's eighty

456
00:26:41.200 --> 00:26:45.000
<v Speaker 7>three years old. She lives in California, and my father

457
00:26:45.160 --> 00:26:47.319
<v Speaker 7>died of a surprise heart attack when she was fifty three.

458
00:26:47.400 --> 00:26:49.359
<v Speaker 7>She's been a school teacher her whole life, which means

459
00:26:49.359 --> 00:26:51.839
<v Speaker 7>she paid She doesn't get Social Security because she paid

460
00:26:51.880 --> 00:26:53.559
<v Speaker 7>into the California state.

461
00:26:53.599 --> 00:26:57.000
<v Speaker 2>Whatever she does know she does now but glhead.

462
00:26:57.640 --> 00:27:00.440
<v Speaker 7>Okay, so that's where I'm going with this. So my

463
00:27:00.599 --> 00:27:04.319
<v Speaker 7>dad was in sales his whole life and had his

464
00:27:04.440 --> 00:27:07.559
<v Speaker 7>pension was literally like twenty eight dollars a month.

465
00:27:07.599 --> 00:27:08.359
<v Speaker 8>I mean, it was crazy.

466
00:27:08.640 --> 00:27:12.319
<v Speaker 7>Anyway, her George for a very poor school district, and

467
00:27:12.480 --> 00:27:17.640
<v Speaker 7>her retirement plan has been like twenty seven thousand dollars

468
00:27:17.720 --> 00:27:20.640
<v Speaker 7>a year in total, so she's never gotten SOID security.

469
00:27:20.640 --> 00:27:23.599
<v Speaker 7>Apparently it's happening now she's over the moon at age

470
00:27:23.599 --> 00:27:25.720
<v Speaker 7>eighty three. She's going to start getting something like I

471
00:27:25.759 --> 00:27:29.039
<v Speaker 7>don't know, fifteen hundred dollars a month. And someone just said,

472
00:27:29.119 --> 00:27:32.119
<v Speaker 7>oh my goodness, I heard about that, and their mother

473
00:27:32.880 --> 00:27:36.039
<v Speaker 7>same situation school nurse paid into the schools here in Massachusetts.

474
00:27:36.400 --> 00:27:38.279
<v Speaker 7>She not only is going to be getting like thirteen

475
00:27:38.359 --> 00:27:40.400
<v Speaker 7>hundred dollars a month, but she got a check for like,

476
00:27:41.160 --> 00:27:43.799
<v Speaker 7>I don't know, twelve thousand dollars. Is like a catchup

477
00:27:44.200 --> 00:27:44.880
<v Speaker 7>because her.

478
00:27:47.319 --> 00:27:49.359
<v Speaker 2>I know a little bit about that. Jim probably knows more,

479
00:27:49.400 --> 00:27:51.359
<v Speaker 2>but I think those checks were more in the vicinity

480
00:27:51.400 --> 00:27:54.880
<v Speaker 2>of about five thousand dollars because it was ketchup from

481
00:27:56.000 --> 00:27:58.720
<v Speaker 2>last January January twenty twenty four, Jim, I'm sure you

482
00:27:58.799 --> 00:28:00.400
<v Speaker 2>got a better answer, Goretta.

483
00:28:00.599 --> 00:28:03.759
<v Speaker 3>Well, so, starting in nineteen eighty three, when they made

484
00:28:03.759 --> 00:28:05.759
<v Speaker 3>a whole lot of changes in the Social Security law,

485
00:28:06.319 --> 00:28:10.839
<v Speaker 3>people who worked for state and local governments that had

486
00:28:10.880 --> 00:28:16.079
<v Speaker 3>chosen not to participate in Social Security were penalized, not

487
00:28:16.200 --> 00:28:19.440
<v Speaker 3>just because they didn't get Social Security since they hadn't

488
00:28:19.480 --> 00:28:24.559
<v Speaker 3>paid their Social Security tax and their employer had not,

489
00:28:25.799 --> 00:28:28.720
<v Speaker 3>but they were penalized on not getting their spouses of

490
00:28:28.960 --> 00:28:34.559
<v Speaker 3>benefits either. With some small exceptions. The law change was

491
00:28:34.640 --> 00:28:38.799
<v Speaker 3>changed by Congress about six or seven months ago. It's

492
00:28:38.920 --> 00:28:44.440
<v Speaker 3>great news for people. And that large check is because

493
00:28:44.759 --> 00:28:47.200
<v Speaker 3>it took so long to pass the law that it

494
00:28:47.359 --> 00:28:51.400
<v Speaker 3>actually went into effect a year before it passed. It

495
00:28:51.440 --> 00:28:54.720
<v Speaker 3>was retroactive, and so that's catch up for that year.

496
00:28:56.079 --> 00:28:59.880
<v Speaker 7>Okay, so the catchup was one year. Her husband happened

497
00:28:59.880 --> 00:29:02.279
<v Speaker 7>to passed away recently, so they thought it was and

498
00:29:02.279 --> 00:29:04.599
<v Speaker 7>I thought, oh my goodness, there's no chance they're going

499
00:29:04.680 --> 00:29:06.039
<v Speaker 7>to give my mom thirty years.

500
00:29:06.039 --> 00:29:11.319
<v Speaker 3>But the catchup, that's right. The catch up is one year.

501
00:29:12.880 --> 00:29:16.680
<v Speaker 3>And what it does, it's not it doesn't just give

502
00:29:16.720 --> 00:29:20.680
<v Speaker 3>people those security benefits who hadn't paid in to Social Security,

503
00:29:21.079 --> 00:29:24.119
<v Speaker 3>but if they had a spouse, it gives the benefits

504
00:29:24.119 --> 00:29:29.119
<v Speaker 3>from their spouse, correct, whereas they were deprived of those before.

505
00:29:29.880 --> 00:29:31.279
<v Speaker 7>Yeah, because my mom was like.

506
00:29:32.960 --> 00:29:35.119
<v Speaker 2>Keathley, I hate to do this to you, but I

507
00:29:35.119 --> 00:29:36.759
<v Speaker 2>got a whole bunch of callers and I think we

508
00:29:36.839 --> 00:29:38.319
<v Speaker 2>got an answer for you. So I got to let

509
00:29:38.400 --> 00:29:40.680
<v Speaker 2>you go. Thank you, Kathleen, appreciate it. We've got to

510
00:29:40.680 --> 00:29:43.160
<v Speaker 2>take a quick commercial break back with Jim Roosevelt's going

511
00:29:43.200 --> 00:29:45.319
<v Speaker 2>to get try to get everyone in. That's why it's important.

512
00:29:45.359 --> 00:29:47.599
<v Speaker 2>Everybody has to get a couple of minutes. I wish

513
00:29:47.599 --> 00:29:49.839
<v Speaker 2>I could give everybody twenty minutes. I can't do that

514
00:29:50.559 --> 00:29:52.480
<v Speaker 2>in fairness. Back on nights Side right after.

515
00:29:52.319 --> 00:29:58.319
<v Speaker 1>This Night Side with Dan Ray on WBS, Boston's news radio.

516
00:29:58.559 --> 00:30:02.359
<v Speaker 9>In this week's Marketers Before, Corey Marchisoto, CMO of ELF Beauty,

517
00:30:02.440 --> 00:30:05.279
<v Speaker 9>partner of I Hurt Women's Sports, talks about partnerships.

518
00:30:06.079 --> 00:30:09.319
<v Speaker 7>I see brands as antennas, so we send out the

519
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<v Speaker 7>ELF signal and what comes back is people who want.

520
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<v Speaker 10>To be a part of this story.

521
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<v Speaker 3>Why are we partnering with iHeart because we want to

522
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523
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524
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525
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526
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<v Speaker 11>Retirement planning is complicated enough without having a formal budget

527
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<v Speaker 11>to help you maintain your lifestyle during your later years.

528
00:30:35.680 --> 00:30:38.480
<v Speaker 11>This is Mike Armstrong from the Armstrong Advisory Group. Our

529
00:30:38.519 --> 00:30:41.079
<v Speaker 11>new guide called how to Build a Retirement Budget was

530
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531
00:30:43.799 --> 00:30:46.839
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532
00:30:46.839 --> 00:30:49.799
<v Speaker 11>are numerous issues to deal with when creating a retirement budget,

533
00:30:49.839 --> 00:30:52.519
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534
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<v Speaker 11>setting up a proper withdrawal strategy, to being able to

535
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<v Speaker 11>remain flexible as market conditions change. This new guide offers

536
00:30:58.480 --> 00:31:00.880
<v Speaker 11>structural guidance that may leave we eate the pressures of

537
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538
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540
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541
00:31:13.480 --> 00:31:15.960
<v Speaker 10>The proceeding was paid for by Armstrong Advisory Group, a

542
00:31:16.039 --> 00:31:18.440
<v Speaker 10>registered investment advisor. Nothing in the ad or in any

543
00:31:18.519 --> 00:31:21.640
<v Speaker 10>Armstrong Guide a specific financial, legal, or tax advice. Consult

544
00:31:21.640 --> 00:31:24.359
<v Speaker 10>your own financial, tax, and estate planning advisors before making

545
00:31:24.400 --> 00:31:27.480
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546
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<v Speaker 10>advisory services.

547
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548
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549
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550
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551
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552
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553
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554
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555
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556
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557
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558
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<v Speaker 12>Time is short, so please visit Nina's showrooms or Nina's

559
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560
00:32:26.759 --> 00:32:31.440
<v Speaker 1>It's night Side with Boston's news radio.

561
00:32:32.359 --> 00:32:35.519
<v Speaker 2>I'm gonna try madily to get four callers in for you, toub.

562
00:32:35.599 --> 00:32:36.839
<v Speaker 2>Let's see what we can do. You're gonna go to

563
00:32:36.920 --> 00:32:39.680
<v Speaker 2>David in San Francisco. David questioned a comment right.

564
00:32:39.559 --> 00:32:45.400
<v Speaker 13>Ahead, Yes, Dan, thank you for taking my calls. I

565
00:32:45.480 --> 00:32:49.079
<v Speaker 13>want to thank you for your grandfather was just He

566
00:32:49.160 --> 00:32:52.519
<v Speaker 13>did everything he used to put colb the country together.

567
00:32:53.400 --> 00:32:59.200
<v Speaker 13>Kind of victory in your oppression, Dallas Francis Perkins. However,

568
00:32:59.279 --> 00:33:02.920
<v Speaker 13>my question, sir, is do you have any suggestive things

569
00:33:02.960 --> 00:33:07.640
<v Speaker 13>for me so I can get to the handicapped portion

570
00:33:07.799 --> 00:33:11.559
<v Speaker 13>of Social Security.

571
00:33:11.839 --> 00:33:16.880
<v Speaker 3>Yes. On the Social Scurity website there is affection regarding

572
00:33:17.000 --> 00:33:22.079
<v Speaker 3>disability access and you should go to that. If you

573
00:33:22.119 --> 00:33:24.880
<v Speaker 3>don't find what you're looking for, I do recommend that

574
00:33:24.920 --> 00:33:28.160
<v Speaker 3>you make an appointment out of SOBI Security Field Office.

575
00:33:28.400 --> 00:33:32.119
<v Speaker 3>The agents there are trained to help you access the

576
00:33:32.200 --> 00:33:34.079
<v Speaker 3>disability benefits.

577
00:33:34.480 --> 00:33:37.039
<v Speaker 13>All right, thank you, thank you very much, Thank you, David.

578
00:33:37.079 --> 00:33:39.960
<v Speaker 2>Appreciate the quickness of the call. Appreciate it. Let me

579
00:33:40.000 --> 00:33:42.839
<v Speaker 2>go next to Larry and down to the Cape. Larry

580
00:33:42.839 --> 00:33:45.039
<v Speaker 2>next on Nightside with Jim Rosevelke right a head talking

581
00:33:45.079 --> 00:33:45.920
<v Speaker 2>about social security.

582
00:33:46.920 --> 00:33:49.400
<v Speaker 6>Yes, about ten years ago, my wife and I went

583
00:33:49.400 --> 00:33:51.920
<v Speaker 6>down to the Hyenna's office to sign up the social security.

584
00:33:52.000 --> 00:33:55.079
<v Speaker 6>She had her own statement and I had mine, and

585
00:33:55.160 --> 00:33:56.920
<v Speaker 6>we went in and we signed up for it. And

586
00:33:56.920 --> 00:34:00.160
<v Speaker 6>that's what we were informed that. Unfortunately, my wife was

587
00:34:00.200 --> 00:34:03.480
<v Speaker 6>involved with that WEP because she was a teacher, but

588
00:34:03.559 --> 00:34:07.519
<v Speaker 6>she also had a social security also paid into social Security,

589
00:34:07.559 --> 00:34:10.519
<v Speaker 6>so she had her own statement. So he said, and

590
00:34:10.559 --> 00:34:13.039
<v Speaker 6>I don't know if this was the proper advice at

591
00:34:13.039 --> 00:34:16.239
<v Speaker 6>that time, he said, my wife is better off collecting

592
00:34:16.280 --> 00:34:20.079
<v Speaker 6>on her social security statement. I collect on mine and

593
00:34:20.119 --> 00:34:23.000
<v Speaker 6>then when she's seventy switch it over and what happened

594
00:34:23.039 --> 00:34:25.480
<v Speaker 6>was then COVID came and then I got sick. Long

595
00:34:25.559 --> 00:34:30.320
<v Speaker 6>story short, I have an appointment now coming up next month.

596
00:34:30.880 --> 00:34:33.760
<v Speaker 6>I couldn't make I couldn't reach anybody by phone. I

597
00:34:33.840 --> 00:34:36.239
<v Speaker 6>did it online and I got an email and a

598
00:34:36.360 --> 00:34:40.880
<v Speaker 6>text saying it's going to be a telephone appointment. Is

599
00:34:40.960 --> 00:34:44.760
<v Speaker 6>that the case now? And should my wife switch over

600
00:34:44.840 --> 00:34:46.880
<v Speaker 6>to collect half of mine? That's what I want to do,

601
00:34:47.000 --> 00:34:49.039
<v Speaker 6>because I'm collecting more than hers.

602
00:34:49.559 --> 00:34:53.119
<v Speaker 2>I would say, do the telephone thing, Larry, and I'm

603
00:34:53.119 --> 00:34:55.239
<v Speaker 2>sure Jim will have a better answer. But do the

604
00:34:55.280 --> 00:34:57.519
<v Speaker 2>telephone thing. Have your wife with you at the time

605
00:34:57.559 --> 00:34:59.800
<v Speaker 2>of the telephone thing so both of you can be available.

606
00:35:00.239 --> 00:35:05.880
<v Speaker 3>Jim, yes that Dan, You're exactly right. It has all

607
00:35:06.000 --> 00:35:09.400
<v Speaker 3>changed with the web as you referred to. It is

608
00:35:09.400 --> 00:35:14.360
<v Speaker 3>the windfall Elimination provision, and that is part of what

609
00:35:14.519 --> 00:35:17.360
<v Speaker 3>was changed by Congress about six or seven months ago.

610
00:35:17.440 --> 00:35:20.599
<v Speaker 3>So it's worth taking another look at it. It might

611
00:35:20.719 --> 00:35:23.280
<v Speaker 3>still be the same as it was before, but it

612
00:35:23.360 --> 00:35:26.599
<v Speaker 3>might be better to do it differently. So it's a

613
00:35:26.639 --> 00:35:31.920
<v Speaker 3>good idea to have that telephone appointment. A telephone appointment

614
00:35:32.320 --> 00:35:35.280
<v Speaker 3>is probably just as good as an in person appointment

615
00:35:35.559 --> 00:35:37.840
<v Speaker 3>and they can get the details that I don't have here.

616
00:35:39.000 --> 00:35:42.000
<v Speaker 2>So make sure your wife, Jim, Jim, Jim Rothera, Larry,

617
00:35:42.320 --> 00:35:45.360
<v Speaker 2>make sure your wife is there because the time that.

618
00:35:45.440 --> 00:35:47.440
<v Speaker 6>You get we're both going to be there. But doesn't

619
00:35:47.440 --> 00:35:49.880
<v Speaker 6>it make sense for me to switch her to half

620
00:35:49.960 --> 00:35:52.159
<v Speaker 6>of mine? It's another two one do dollars a month.

621
00:35:53.280 --> 00:35:56.039
<v Speaker 3>Let them run the actual numbers and tell you.

622
00:35:55.639 --> 00:35:58.599
<v Speaker 2>Let them do the analysis. Okay, thanks mis s calculator,

623
00:35:58.880 --> 00:36:01.199
<v Speaker 2>good night, real quickly get Marrian Moubern. Gary next on

624
00:36:01.280 --> 00:36:03.440
<v Speaker 2>Nice How with Jim Rosow. Go ahead, Gary, gotta be quick.

625
00:36:04.400 --> 00:36:06.239
<v Speaker 8>Yes, I have a quick question. I'll just take the

626
00:36:06.280 --> 00:36:08.519
<v Speaker 8>answer of the year. I'm going to be taking to

627
00:36:08.519 --> 00:36:11.280
<v Speaker 8>an application on the phone tomorrow. So sixty one sixty

628
00:36:11.280 --> 00:36:13.280
<v Speaker 8>two in May. They said my fresh check will be

629
00:36:13.280 --> 00:36:15.719
<v Speaker 8>in July for fourteen hundred dollars a month. Jim, could

630
00:36:15.760 --> 00:36:18.760
<v Speaker 8>you tell me all the other benefits are involved where

631
00:36:18.800 --> 00:36:20.920
<v Speaker 8>I'll be also just getting a check?

632
00:36:21.039 --> 00:36:27.280
<v Speaker 3>Thank you. So I think you should keep in mind

633
00:36:27.400 --> 00:36:30.159
<v Speaker 3>that if you start taking benefits at sixty two what

634
00:36:30.320 --> 00:36:33.400
<v Speaker 3>you're entitled to do, you will get a lower benefit

635
00:36:34.519 --> 00:36:37.639
<v Speaker 3>than if you wait until your full retirement age, which

636
00:36:37.679 --> 00:36:42.199
<v Speaker 3>is probably sixty seven and a half in your age

637
00:36:42.199 --> 00:36:45.559
<v Speaker 3>bracket or a seventy when you'd get the highest benefit.

638
00:36:45.960 --> 00:36:48.400
<v Speaker 3>But if you want the benefit now, you can take

639
00:36:48.440 --> 00:36:53.039
<v Speaker 3>that cut and eventually when you hit seventy, they will

640
00:36:53.079 --> 00:36:57.360
<v Speaker 3>adjust it to get you up with the full benefit.

641
00:36:58.400 --> 00:37:01.239
<v Speaker 2>All right, I hope you heard that answer. Gary. Thank

642
00:37:01.320 --> 00:37:04.119
<v Speaker 2>you for the quickness of the call. Quickly, let me

643
00:37:04.159 --> 00:37:07.000
<v Speaker 2>go to Michael and Attenborough. Michael, you got to be

644
00:37:07.079 --> 00:37:08.840
<v Speaker 2>quick for me. Got one out of call here. Please

645
00:37:08.840 --> 00:37:09.840
<v Speaker 2>go ahead, Michael.

646
00:37:10.480 --> 00:37:13.599
<v Speaker 6>Yeah, sir, I think you answer my question, but I

647
00:37:13.639 --> 00:37:18.679
<v Speaker 6>want to ask you directly. My wife passed about six

648
00:37:18.719 --> 00:37:20.960
<v Speaker 6>months ago. She worked for the state.

649
00:37:21.079 --> 00:37:23.639
<v Speaker 14>They said, if you're not married at the time you're working,

650
00:37:24.719 --> 00:37:30.280
<v Speaker 14>your husband's not entitled to any benefits. And I didn't

651
00:37:30.320 --> 00:37:33.079
<v Speaker 14>realize maybe Social she did get a little bit of

652
00:37:33.159 --> 00:37:36.400
<v Speaker 14>Social Does that only mean my pension?

653
00:37:36.480 --> 00:37:40.000
<v Speaker 6>I did call Social Security office and they said, no,

654
00:37:40.119 --> 00:37:40.519
<v Speaker 6>she's not.

655
00:37:40.719 --> 00:37:45.599
<v Speaker 3>But I suspect that not everyone knows the rules, So

656
00:37:46.480 --> 00:37:50.440
<v Speaker 3>I'm sorry for your loss. First of all, this is

657
00:37:50.480 --> 00:37:54.159
<v Speaker 3>really a state pension question more than a Social Security question.

658
00:37:56.400 --> 00:37:59.440
<v Speaker 3>Getting the Social Security benefit is not dependent on being

659
00:37:59.440 --> 00:38:03.159
<v Speaker 3>married at the time you were working. Getting the state

660
00:38:03.199 --> 00:38:06.559
<v Speaker 3>pensure benefit is right right.

661
00:38:07.440 --> 00:38:12.320
<v Speaker 2>Well, Michael, I can't get into it much more deeply.

662
00:38:12.360 --> 00:38:14.840
<v Speaker 2>I think when you talk to the people, you've got

663
00:38:14.880 --> 00:38:17.599
<v Speaker 2>to explain your specific situation.

664
00:38:18.039 --> 00:38:20.360
<v Speaker 6>Right, Okay, thank you very much, by bye.

665
00:38:21.000 --> 00:38:23.280
<v Speaker 3>And the change in the law might help you. We'll see.

666
00:38:23.679 --> 00:38:25.519
<v Speaker 2>Okay, hope you heard that. Let me go to Brenda

667
00:38:25.559 --> 00:38:27.679
<v Speaker 2>on the Cape. Brenda, you the last call of the hour.

668
00:38:27.760 --> 00:38:30.760
<v Speaker 4>Go right ahead, Brenda, by Dan, how are you?

669
00:38:31.559 --> 00:38:33.719
<v Speaker 15>I want to just call? I was listening to you

670
00:38:33.760 --> 00:38:38.079
<v Speaker 15>tonight and heard the conversation about the Social Security offices closing,

671
00:38:38.519 --> 00:38:40.639
<v Speaker 15>and I just happened to be online with them the

672
00:38:40.760 --> 00:38:43.280
<v Speaker 15>other day and they put out a press release dated

673
00:38:43.280 --> 00:38:46.679
<v Speaker 15>in March twenty seventh stating that none of the offices

674
00:38:46.679 --> 00:38:50.840
<v Speaker 15>are going to be permanently closing. That all you're hearing

675
00:38:51.000 --> 00:38:51.599
<v Speaker 15>is false.

676
00:38:51.840 --> 00:38:53.880
<v Speaker 8>So I would encourage.

677
00:38:53.440 --> 00:38:55.480
<v Speaker 15>People to go to the site and read what I

678
00:38:55.559 --> 00:38:58.880
<v Speaker 15>just read.

679
00:38:58.960 --> 00:39:04.719
<v Speaker 3>That's partly correct. I would say some will be, but

680
00:39:04.840 --> 00:39:06.760
<v Speaker 3>some of them will be just temporary as well.

681
00:39:07.800 --> 00:39:11.119
<v Speaker 2>Yeah. Thinks a political process that's going on, and Congress

682
00:39:11.159 --> 00:39:14.360
<v Speaker 2>may step into some of this as well. Brenda. Thank you, Bob,

683
00:39:14.519 --> 00:39:17.000
<v Speaker 2>thank you for that information. We talked a little bit

684
00:39:17.039 --> 00:39:18.960
<v Speaker 2>about that last night, as well, because I think we

685
00:39:19.000 --> 00:39:21.119
<v Speaker 2>all need to kind of calm down a little bit.

686
00:39:21.159 --> 00:39:24.960
<v Speaker 2>And you know, it may not be the Trump administration

687
00:39:25.079 --> 00:39:26.880
<v Speaker 2>may not get everything they want. Here is what I'm

688
00:39:26.880 --> 00:39:27.400
<v Speaker 2>trying to say.

689
00:39:27.440 --> 00:39:31.079
<v Speaker 15>Okay, simplest thanks, that's right, and the more information that's

690
00:39:31.079 --> 00:39:33.679
<v Speaker 15>out there for everyone to know about it think is better.

691
00:39:34.119 --> 00:39:35.920
<v Speaker 8>We thank you, appreciate it.

692
00:39:36.039 --> 00:39:37.159
<v Speaker 15>So nice to talk to you.

693
00:39:37.440 --> 00:39:40.239
<v Speaker 2>Good to talk with you as well, Jim Roosevelt. Delightful

694
00:39:40.280 --> 00:39:43.320
<v Speaker 2>to talk with you. Thank you for your time, and

695
00:39:43.679 --> 00:39:46.440
<v Speaker 2>thank you for what you've done over the years for

696
00:39:46.440 --> 00:39:49.639
<v Speaker 2>for people you know, in and and out of government.

697
00:39:49.679 --> 00:39:51.519
<v Speaker 2>I really do appreciate our friendship as well.

698
00:39:52.639 --> 00:39:55.920
<v Speaker 3>I appreciate it very much as well. And I always

699
00:39:55.960 --> 00:39:59.599
<v Speaker 3>enjoyed talking with you, Dan and with your listeners.

700
00:39:59.199 --> 00:40:02.079
<v Speaker 2>And we'll keep in touch, and who knows, a couple

701
00:40:02.199 --> 00:40:04.880
<v Speaker 2>three months down the road, we may revisit this if

702
00:40:05.039 --> 00:40:06.559
<v Speaker 2>circumstances change, if that.

703
00:40:06.480 --> 00:40:09.119
<v Speaker 3>Would work for you, happy to do it.

704
00:40:09.440 --> 00:40:12.800
<v Speaker 2>Thank you much, Jim Roosevelt, Ladies and gentlemen, a friend

705
00:40:12.880 --> 00:40:15.559
<v Speaker 2>for many years and someone who is just a font

706
00:40:15.559 --> 00:40:18.360
<v Speaker 2>of great information, and I hope all of you if

707
00:40:18.400 --> 00:40:20.840
<v Speaker 2>maybe your question wasn't asked, you might have bet your

708
00:40:20.920 --> 00:40:22.840
<v Speaker 2>question might have been asked by someone else. We're coming

709
00:40:22.880 --> 00:40:26.039
<v Speaker 2>back on Nightside, going to talk about the decision of

710
00:40:26.079 --> 00:40:29.039
<v Speaker 2>the Attorney General today to seek the death penalty against

711
00:40:29.440 --> 00:40:32.400
<v Speaker 2>Luigi Mangioni. I think you know who he is. He's

712
00:40:32.440 --> 00:40:34.639
<v Speaker 2>the guy that killed the insurance executive in New York

713
00:40:34.719 --> 00:40:36.760
<v Speaker 2>City on December fourth. I don't have a big problem

714
00:40:36.800 --> 00:40:38.320
<v Speaker 2>with that. Left to know what you think. Coming back

715
00:40:38.360 --> 00:40:38.840
<v Speaker 2>on Nightside,