Social Security and Medicare Basics
I’ll make a series of posts over time. Hopefully some of this is helpful. This post just lists some useful resources.
Disclaimer: I’m an insurance and retirement newb so keep that in mind.
RESOURCES:
- Social Security Administration (SSA)
The government website for Social Security and Medicare is at ssa.gov. You can create an account (“myaccount”) to review/update personal information and apply for benefits here.
So far, I’ve been able to do everything online but most cities have local offices. You can walk in but you’d probably want to make an appointment to save time.
- Social Security Statement
You probably set this aside when SSA sends this to you in the mail but it contains some useful information. The “statement” has your earnings record but not your SSN. It gives you an estimate of your benefits depending on when you elect to start. If you’re concerned about identity theft, you can stop the yearly physical statement coming in the mail through your myaccount.
The mailing includes a basic fact sheet for Social Security and one for Medicare. You can also find these here:
Scoff if you want but I found these very helpful. They take a more direct and serious approach than usual for this series. Check your local public library; they might have them as audiobooks or ebooks as well as physical books. If you have Audible, they have older editions available to listen for free.
Social Security for Dummies, 5th Ed., by Jonathon Peterson
Medicare for Dummies, 5th Ed., by Patricia Barry
- State Health Insurance Assistance Programs (SHIPs)
This government service offers free help navigating Medicare. They’re in every state. Since my situation is relatively simple, I will try to figure things out on my own but for people with more complicated circumstances, these seem like way better options than relying on sales pitches from insurance companies or independent agents.
I’ve found Microsoft Copilot and Google Gemini are pretty good at answering questions about these topics. Of course check citations and verify anything important.
AARP publishes a lot of stuff and they also endorse things. I assume they are trustworthy but slightly wary. There’s probably good information on youtube but I haven’t looked there. Obviously stick to reliable channels.