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Home/Retirement & Benefits/PAYMENT FOR ORDER FLOW SEC · SOCIAL SECURITY CUT

The $2,400 Medicare benefit seniors miss because no one tells them it exists

SD

Sage Donnelly

payment for order flow SEC · Apr 14, 2026

Seniors are losing up to $2,400 a year because they never learn about a benefit they’ve already earned. The Medicare Savings Program (MSP) eliminates the $174.70 monthly Part B premium for eligible beneficiaries — a savings of more than $2,000 annually. Yet 89% of Medicare-eligible seniors leave this money unclaimed.

Related Brief3h ago
retirement planning

Social Security beneficiaries face a 23 percent benefit cut by 2033

Social Security beneficiaries will face a 23 percent benefit cut if Congress does not act to address the funding shortfall. Total scheduled benefits will drop to 77 percent after 2033. This shortfall occurs because the program's cost has exceeded its cost has exceeded its non-interest income since 2010, which has depleted the Social Security trust funds. According to the 2025 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds, the Social Security Administration will be able to pay 100 percent of total scheduled benefits only until 2033.

The reason isn’t ineligibility. For 2024, individuals earning up to $1,357 per month and couples earning up to $1,823 per month qualify. Asset limits are $8,400 for individuals and $12,600 for couples — and those limits exclude a primary home and one vehicle.

Related Brief8h ago
retirement planning

Social Security's 2.8% COLA Forecast Leaves Retirees Exposed to Inflation

Social Security beneficiaries may find a 2.8% cost-of-living adjustment (COLA) offers little to no help in covering everyday expenses, according to a survey of beneficiaries. The Senior Citizens League predicts a 2.8% COLA for 2027. This adjustment is calculated based on the inflation rate. Annual inflation recently reached a two-year high of 3.3%, driven by soaring oil prices caused by the war in Iran. These oil prices increase transportation and manufacturing costs for businesses, which raises consumer prices for gas, plastic products, and fertilizers. Between 2010 and 2024, the COLA outpaced the inflation rate in only five years. 68% of beneficiaries say the 2.8% adjustment offers little to no help in covering everyday expenses.

No one sends a reminder. There’s no automatic enrollment. The burden falls entirely on the beneficiary to discover and apply through their state Medicaid office. But doing so unlocks more than just premium relief. Approval for MSP automatically qualifies seniors for Extra Help with prescription drug costs, potentially saving hundreds more each year.

Related Brief10h ago
retirement planning

Medicare’s 2026 premium hike erases Social Security’s COLA for many retirees

For many retirees, the 2.8% Social Security cost-of-living adjustment in 2026 will deliver no actual increase in income. The standard Medicare Part B premium has risen to $202.90 per month, up from $185.00 in 2025 — a $17.90 jump that is deducted directly from Social Security checks. For the average retiree collecting $2,071 monthly, the COLA adds $56 before Medicare. After the premium increase, the net gain is about $39. But for retirees with smaller benefits, the math is worse. A monthly check of $600 receives a COLA of just $16.80 — less than the premium hike. Under the 'hold harmless' provision, those beneficiaries won’t see their checks shrink, but they also won’t see any raise. Their entire COLA is absorbed by Medicare. Higher-income retirees face steeper cuts. Those with MAGI of $500,000 or more (or $750,000+ for joint filers) pay an IRMAA surcharge of $487.00 on top of the base premium, bringing their total Part B cost to $689.90 per month. For these beneficiaries, the surcharge can erase the entire 2.8% COLA increase.

The $2,400 figure reflects the unclaimed value of the Part B premium for those who qualify but don’t apply.

Related Brief1d ago
retirement planning

The 35-Year Earning Windows That Cap Social Security Benefits

A hypothetical monthly Social Security check of $4,640 for Harrison Ford would be the result of the lapping of cost-of-living adjustments on a maximum benefit of $3,266 established in 2012. This calculation assumes the actor began receiving benefits at age 70 in 2012. The Social Security Administration calculates disbursements based on the top 35 earning years of a worker's life. The average Social Security retirement benefit is $2,071 per month.

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