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You are not logged in. [Log In] AppleCentral » Forums » General Discussion » Stan's Lounge » It's official.
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#587415 - 12/27/12 04:25 AM Re: It's official. [Re: steveg]
MrB Offline
I invented modding!

Registered: 08/28/03
Posts: 9722
Loc: SE Kansas
For me, SS at 62. I did the math and the extra I would get ifi waited to 65 to get total would pay out if I lived to something like 75.

As for Medacare, well, have liver surgery and subsequent chemo for five months at $4800 a pop.

Dave
_________________________
If we don't count our blessings
We are just wasting our time

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#587443 - 12/27/12 04:16 PM Re: It's official. [Re: MrB]
DLC Offline
I invented modding!

Registered: 11/04/02
Posts: 20167
Loc: Lindale, TX (Tyler)
I'd do that too but the work penalty is too low.... I can make $13,000 part time teaching ! Glad I didn't take it - this spring I'll make > 1/2 that and if I teach next fall well - I'd be hittin the limit !

IF It weren't for that - like you- I'd do it - takes 20 years to break even - anything before that and you're ahead !! Even after 20 years, the losses are small til you get between 25-30 years. Should I be SOOO lucky !! wink
_________________________
David (OFI)

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#587444 - 12/27/12 04:53 PM Re: It's official. [Re: DLC]
Pirate Offline
Old And In The Way

Registered: 02/21/07
Posts: 3284
Loc: Missouri
But the work penalty goes away at some point in time....mine was at 67, so I went back to work part time and dont have to pay back
anything under the work penalty, not sure at what age work penalty goes away now, if there have been any changes in SS regulations in the recent past.

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#587448 - 12/27/12 05:32 PM Re: It's official. [Re: Pirate]
DLC Offline
I invented modding!

Registered: 11/04/02
Posts: 20167
Loc: Lindale, TX (Tyler)
Yes it does go away when you could have normally collected SS, BUT you would have been eligible to work then any way... I'm looking at the first 2 years for me - age 64-66... and I'd probably get near $0 anyway if I worked or < 50% of it. Thus all it would do is cut my SS income in future years. It sure would help now though... about $1800 / mo !!

IF I hadn't been contacted by 2 different Dept chairs about teaching- I'd probably go for early SS, but looks like I'll have some significant outside income until I'm 66. I may have a chance to go back full time next fall or spring 2014 !! I don't know if I want to do that, but I could probably make $55- to $60,000 doing almost what I'd do part-time (at one third the salary). eek

When I was at CDC and teaching part-time at GPC, for years I taught eight sections of microbiology: three in the spring, two in the summer, and three in the fall. For those services, I got paid about $17,000 ($2200 per section). A full-time faculty at GPC has to teach nine sections per year and makes 2.5 to 3 times the salary. frown Of course I couldn't give up CDC, because I was making a lot lot more there.
_________________________
David (OFI)

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