I’m sure you’ve heard that old saying that goes something like this: “If it looks like a duck, walks like a duck and quacks like a duck — it’s a duck!”
Well, I offer you another version of that old chestnut. And it goes like this: “If it looks like a crazy Social Security rumor and sounds like a crazy Social Security rumor — it’s a crazy Social Security rumor!”
And in another email I got, also about the disability program, a guy complained that his claim was denied. But he said he expected that because he heard that “all disability claims are automatically denied the first time around.” And another caveat. There are certainly some people getting Supplemental Security Income disability benefits who may not have ever worked and paid Social Security taxes. But SSI is a federal welfare program managed by the Social Security Administration, and SSI is not a Social Security benefit and is not paid for out of Social Security taxes. Still, many people confuse the SSI program with Social Security.
These are just two of maybe thousands of Social Security rumors out there floating around — mostly on the internet — that don’t pass the “looks like a duck” test. I’ve always joked that I could write a book called something like “The Top 1,000 Social Security Myths.” But that huge missive would be unwieldy and as thick as the Encyclopedia Britannica.
The second half of the book deals with program myths and is further subdivided into sections clearing up myths about retirement benefits, spousal and widow’s benefits, benefits for children, disability benefits and Supplemental Security Income payments. There is also a small section on Medicare myths — although, as I always point out to my readers, I am a Social Security expert but not much of a Medicare expert.
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