Social Security, Medicare & Government Pensions: Get the Most Out of Your Retirement & Medical Benefits [Paperback]

Joseph Matthews Attorney (Author), Dorothy Matthews Berman (Author)

Book Description

ISBN-10: 1413309240 | ISBN-13: 978-1413309249 | Publication Date: January 23, 2009 | Edition: 14

Get the most out of the new Medicare drug coverage!

Everyone wants to get the highest possible retirement and pension income --not to mention the best medical coverage. This book is your guide to finding retirement benefits, figuring out the best time to claim them, and then doing so quickly and easily.

Social Security benefits
Find all the latest information and instructions you need to get your retirement and disability benefits, dependents and survivors benefits, and Supplemental Security Income (SSI).

Medicare & Medicaid
Learn the nuts and bolts of both programs, plus how to qualify and apply for them. Understand Medicare Part D prescription drug coverage what it covers, how to apply for it and how to use it with your medigap policy, managed care plan or Medicaid.

Medical coverage options
Get the latest information on Medicare and Medicaid HMOs and other managed care plans, and learn about the different types of medigap health plans.

Government pensions & veterans benefits
Discover when and how to claim the benefits you have earned.

Practical advice for anyone thinking about retirement

Find out how much your benefits will be when you plan to claim them. Time your retirement to get the best benefits.Fill out and file important benefit forms. And more! (20080208)

Editorial Reviews

Review

A handy reference ... [this] publisher's credentials in self-help law are impeccable. (Michael Pellechia 20080304)

"Guide[s] you through the maze of Social Security and Medicare in simple English..." (The Wall Street Journal 20080307)

"Anyone who can write a readable guide to Medicare should get a medal.... Why can't the system be as straightforward as this book?" (Pasadena Star-News 20090101)

"Offers clear explanations of what to expect from a remarkable safety net that has withstood the test of time..." (Contra Costa Times 20090101)

The inside scoop on how to get the most out of the current system... (Accounting Today 20090101)

Offers clear explanations of what to expect from a remarkable safety net that has withstood the test of time... (Contra Costa Times 20090101)

A guidebook through the maze of Social Security and Medicare options. (Jane Glenn Hass Orange County Register 20090101)

Anyone who can write a readable guide to Medicare should get a medal.... Why can't the system be as straightforward as this book? (Pasadena Star-News 20090101)

Written with clear, complete explanations that will explain how benefits can actually be claimed, how and when to file claims and more. (Senior Times 20090101)

A wealth of information on public and private pensions and insurance. (Silver Circle )

Guide[s] you through the maze of Social Security and Medicare in simple English... (The Wall Street Journal )

Review

"Anyone who can write a readable guide to Medicare should get a medal.... Why can't the system be as straightforward as this book?"

See all Editorial Reviews

Product Details

• Paperback: 480 pages
• Publisher: NOLO; 14 edition (January 23, 2009)
• Language: English
• ISBN-10: 1413309240
• ISBN-13: 978-1413309249
• Product Dimensions: 8.9 x 7 x 1.1 inches
• Shipping Weight: 1.5 pounds
• Average Customer Review: 4.4 out of 5 stars  See all reviews (54 customer reviews)
• Amazon Best Sellers Rank: #1,090,988 in Books (See Top 100 in Books)

More About the Author

Joseph Matthews has been an attorney since 1971, and from 1975 to 1977 he taught at the law school of the University of California, Berkeley. He has for many years been involved in matters relating to seniors, and is the author of Social Security, Medicare & Government Pensions and Long Term Care: How to Plan & Play for It, as well as How to Win Your Personal Injury Claim.

Customer Reviews

Most Helpful Customer Reviews

49 of 51 people found the following review helpful:

4.0 out of 5 stars Good, But Not Perfect, Guide to Entitlement Programs, April 27, 2010

By 

B. Niedt (Cherry Hill, NJ United States) - See all my reviews
(REAL NAME)   

This review is from: Social Security, Medicare & Government Pensions: Get the Most out of Your Retirement & Medical Benefits (Paperback)

(What's this?)

In my line of work, I deal with Social Security, SSI and Medicare rules and regulations every day, so I could be considered a bit of an authority on the subjects. I've always been skeptical of publications that want to "sell" you information that you could otherwise get for free, and this is no exception - nearly all the information on government benefits contained in this book can be obtained free of charge from the source. That said, this is a well-organized and clearly-written book. It will probably appeal to those who would like most or all the information they need in one handy resource, or those who - rightly or otherwise - would rather trust a third party for information that the agencies who administer them. One thing to keep in mind, though - the author of this book is NOT the final authority on the subject. Nevertheless, he does a good job presenting the basic requirements and peculiarities of Social Security, Medicare and government pensions in a clear, "For-Dummies"-style manner. (It should come as no surprise that nearly half the book is devoted to the complexities of the Medicare and Medicaid programs.)

The book gets kudos for its introductory commentary on "saving Social Security" - it criticizes the recommendation made during the Bush administration to "privatize" the system by investing SSA trust funds in the stock market (an idea that all but died with the current recession); and it suggests removing the cap on maximum social security tax (which would not impact lower- and middle-income workers), thus keeping the system solvent for another 75 years. It also offers good explanations on such topics as the so-called "notch babies" (the controversial changes that affected workers born between 1917 and 1921), and figuring out "break even points" when deciding at what point it is most advantageous to collect benefits. The author, who is an attorney, also deserves credit for an objective section on appeals and legal representation - he does not give the reader the impression that an attorney is essential at every step in the claims or appeals process, contrary to what many "social security attorneys" lead the public to believe.

The book isn't without flaws, however. First, it needs to cut or minimize a lot of the discussion of rules that are all but obsolete now, such as rules regarding earnings before 1951 - hardly anyone filing for benefits these days has worked that long ago. There are occasional factual and numerical errors, some of which may have slipped by the updated editing of the book. (For instance, it says that surviving spouses can get full benefits unreduced for age at age 65; the qualifying age is now 66. Also, the book says the SSI limit for countable resources is $5000, when in fact it is $2000 for individuals or $3000 for couples.) Overall, this is a handy reference and general guide to entitlement programs, but it's certainly not the "be-all and end-all". One should always check with the administrating agency (SSA, Medicare, OPM) for the final word on the rules governing entitlement to benefits.

35 of 39 people found the following review helpful:

5.0 out of 5 stars A must read, December 11, 2007

By 

Robert F. Watson (Key West Florida) - See all my reviews
(REAL NAME)   

Amazon Verified Purchase

This review is from: Social Security, Medicare & Government Pensions: Get the Most Out of Your Retirement & Medical Benefits (Paperback)

I picked up the 9th edition when I got ready to retire and it saved me a lot of money and confusion and helped tremendously getting thru all the "red" tape. So a couple of years later as I get ready now to approach Medicare I need all the information I can get so I ordered the new 12 edition. Which included tons of updated information.. A recommend for anyone retiring and/or getting ready to go on Medicare

7 of 7 people found the following review helpful:

5.0 out of 5 stars Worth the price, November 18, 2010

By 

Amy R. Willard - See all my reviews

Amazon Verified Purchase

This review is from: Social Security, Medicare & Government Pensions: Get the Most out of Your Retirement & Medical Benefits (Paperback)

This book introduced me to how to "claim and suspend" retirement benefits. A higher wager earner can claim benefits at full retirement age; the other spouse then claims dependents benefits (which are often higher than the spouse's benefits); and then the higher earning spouse suspends his/her claim. The result is more money in your pocket. This advice by itself made the book worth the price. Because the book is clearly written and contains a wealth of useful information, I recommend it.