Effortlessly Create Your Security Bill Format for Security

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Security bill format for Security

hey everyone welcome back hope you're having a fantastic day so far so starting around next week all beneficiaries of Social Security are going to be receiving some type of increase so whether you receive SSI benefits SSDI benefits or if you're a retiree starting right around next week you are going to be receiving some type of increase Plus for right around 3 million Social Security beneficiaries on top of that increase you're also going to be receiving another increase as well on average between $300 to $700 per month and some people actually a whole lot more than that so we're going to be covering all that in today's video but before we go ahead and dive into it for today if you would like to receive up to $200 in free stock or $200 in free cash in a pin comment below I will be leaving a link to Robin Hood all you have to do is once you click on that link is just sign up for a free account and then simply link your bank account you do not not even have to make an opening deposit at that point in time Robin Hood will be sending you one free stock worth all the way up to $200 and if you'd really just have the cash all you have to do is once you receive the free stock is just sell it for what it's worth and then transfer the cash value right back to your bank account okay so diving right into it for today once again starting next year and in just about a week we're going to have two different increases coming for Social Security beneficiaries for one of the increases is going to to be for everyone across the board whether you're a retiree whether you receive SSI benefits or whether you receive SSDI benefits this is going to be the cost of living adjustment and this was actually announced all the way back in October yet you're not going to start receiving it until December 31st if you receive SSI benefits or at some point in January depending on your date of birth and everything like that if you're a social security retiree or if you receive disability benefits now the second increase is actually going to be coming for right around three million Social Security beneficiaries that's going to be for those impacted or previously impacted by the windfall elimination rision or the government pension offset that's because in the Senate over the weekend they finally passed the Social Security Fairness Act on a buy partisan basis so if you were previously impacted or if you're impacted this year by either the winfall elimination provision or the government pension offset because you or your spouse worked a public sector job and therefore also received a pension during your retirement and therefore your Social Security benefits were reduced you will be receiving an increased social security benefit next year in 2025 on top of the cost of living adjustment that you're also going to be receiving this is pretty huge news for Social Security so first off we are going to be diving into the cost of living adjustment ing to the grada during December cold notices will be mailed out in early December you can view your cold notice online through the message center in your individual my Social Security account if you receive disability or retirement payments to receive the 2025 Cola notice online you must first create an account by November 20th 2024 of course that deadline has passed if you haven't already a growing number of reforms no longer need a wet signature and many are are accessible on our website check out further online activities now in 2025 the assal security administration will raise Social Security benefits and supplemental security income payments for over 72.5 million Americans by 2.5% the agency said today starting in January Social Security retirement benefits Will Rise by an average of $50 each month considering this Cola increase beneficiaries will receive the following payment amounts as of January 2025 so as far as the averages go this year the average check was right around $1,900 of course with that 2.5% increase that is going to boost the average benefit up to $1,948 now for those retiring at the age of 70 the max age that you can start you can receive the max benefit at the monthly checks of course could potentially rise all the way up to $4,995 next year if you receive the max amount that would be an increase of $122 now for everyone else if you receive survivor benefits you are going to be receiving right around $1,543 $3 on average an increase of $38 for those receiving disability benefits the average benefit this year is $1,537 per month after the 2.5% increase that is going to boost checks up $38 per month all the way up to $1,575 then for individuals receiving SSI benefits the monthly check the max check is $943 this year that is going to get lifted up to $967 next year an increase of $24 now another another thing to keep in mind with all that is the Medicare Part B premium is also going to be rising next year in 2025 which is going to offset a little bit of this increase that's something you will have to keep in mind as well now for a lot of folks they probably are you probably already would have received your letter in the mail if you don't have access to the online portal if you did not sign up for Access for that online portal by that November 20th deadline I would definitely recommend that you still do so if you feel comfortable doing that just because there is a lot that you can do online and also next year's cost to living adjustment you will be able to get a little bit earlier those forms and everything like that rather than having to wait for the mail to arrive so something definitely to keep in mind now on top of the cost of living adjustment of course we also have that second increase coming for right around 3 million Social Security beneficiaries so ing to Marilyn matters the US Senate approved a broadly bipartisan Bill early Saturday that would increase social security benefits for millions of Americans with pensions by ending two of the program's policies in place for decades the windfall elimination provision and the government pension offset the legislation which would cost more than $195 billion over 10 years now goes to President Joe Biden's desk for his signature while he hasn't released a public endorsement of the bill extensive support in the House and Senate could signal he's likely to support the measure becoming a law the Senate vote was 76 to20 and the House vote in November was 327 to 75 so that's something you definitely have to keep in mind even if Biden were to veto the bill which I don't think that he's going to do I would be very very surprised if he did there is enough support for this bill in the Senate that they could override Biden's veto if he were to do so which I don't think he is going to veto this bill now of course there is going to be a hit to the trust fund that's going to be the uh the uh kind of the backlash to this bill so for example North Carolina Republican senator Tom till said the Bill's title made it sound like motherhood and apple pie but argued it wasn't the right approach to address the problem he expressed concern the bill would reduce the Social Security trust fund by an additional $200 billion during the next decade moving up the insolvency date by six months he said quote this chamber needs courage and needs to say what needs to be said we are about to pass an unfunded $200 billion spending package for a trust fund that is likely to go in solvent over the next 9 to 10 years and we're going to pretend prend like somebody else has to fix it well when you're a US senator and you have your election certificate that falls on us now Tillis head said that he agreed with Collins and others to support the bill that the WEP and the gopo must be fixed but said that it should be part of a larger conversation about addressing Social Security's upcoming insolvency so that's one of the big issues was some of the Senators who actually opposed this bill not that they were against these people receiving reduced benefits but mainly that it wasn't uh it's not being paid for and the fact that we also had the trust fund going in solvent within the next 8 to 10 years and this is only going to speed up that insolvency by another six months that could spell trouble you know in the long run now we also had the two senators in Alabama also vote against this bill so they say that however Senators Katie Britt uh Republican of Alabama and Tommy tuberville also a republican in Alabama were among the minority who voted against the Bill's passage so Brit said that the W and GP are flawed but the Social Security Fairness Act is far from Fair nor is it accurate or fiscally responsible he said I voted against this roughly $200 billion bill because it would accelerate the insolvency of the Social Security trust fund and provide Social Security benefits that were not paid for by the beneficiaries I was disappointed Senator Cruz's Amendment failed which would have helped fix WP in a fairer manner it it is crucial we meet our obligations to the hardworking families and retirees who have paid into social security for generations to come so again that is sort of the big issue Social Security is going to be going in solvent anywhere between 2031 through 2034 if nothing is done to save the program now of course it is good news that we have sort of a bipartisan fix here Republicans and Democrats were able to come together on some issue involving Social Security that should give us at least some hope they can also fix the insolvency issue within Social Security as well and we actually had some Senators working together you know earlier this year as well in 2023 as well on one plan they never really were able to gain enough momentum to you know form this into a bill and get it on the floor for a vote but perhaps maybe sometimes in 2025 or 2026 they can get this bill in the form of a bill and actually get it on the floor for vote let's see what happens so ing to the American prospects basically uh there was a report out in semore that Bill Cassidy he's a Republican senator and Inus King he's an independent but he mainly votes with Democrats they were they were proposing that the federal government create a new fund this would be separate from the Social Security trust fund in which borrowed money would be invested in stocks which typically Grant a much higher rate of return than treasury bonds so in other words they would harness a small amount of American Capital Income returns from stocks debt real estate and so on which reliably con constitutes about 30% of national income on behalf of the public so basically what they would be doing here they would be taking out like three or four trillion dollar in additional debt putting it in a separate fund investing that money in stocks real estate and things like that trying to achieve a gain of like 10% per year and then over time this amount would grow in that fun over time you have seen that the S&P 500 has grown by right around 10% on average and then they would use that money that money to shuttle right back into the trust fund and they would be able to pay out benefits and hopefully even give an increase if it continues growing over the last 20 years if they were to if they would have done something similar to that the trust fund would be in much better shape we wouldn't be facing that insolvency deadline of like 10 years I'm sure we would be in much better Financial shape so you know hopefully uh they they do that or some combination of things that Republicans and Democrats can come together because we definitely cannot have that 19 to 26% cut that would have to take place if nothing gets done about either bringing more money into the trust fund or making sure that less money leaves trust fund leave your thoughts and comments below as always but that's all we have for today's video and I will see you in the next one

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