Bill McKee wrote:

"DSK" wrote in message
. ..


Call up any insurance agent. Total SS payments on max salary are around
$13,000 a year. You can buy a decent long term disability policy and and
have investment money left over for less than this.


That's just about what my SS check is after deductions ---- THANK YOU!

"Jim," wrote in message
...
Bill McKee wrote:

"DSK" wrote in message
. ..


Call up any insurance agent. Total SS payments on max salary are around
$13,000 a year. You can buy a decent long term disability policy and and
have investment money left over for less than this.


That's just about what my SS check is after deductions ---- THANK YOU!

My checks start next month. I will get more than you! HA-HA

You can buy a lot better long term / life insurance policy for a lot less
money than SS takes out.

Where?


Bill McKee wrote:
Call up any insurance agent. Total SS payments on max salary are around
$13,000 a year. You can buy a decent long term disability policy and and
have investment money left over for less than this.


And what can one get for less than "max salary" payments?

Considering the benefits that Social Security offers (disability,
dependent support, retirement, long term care supplement, etc etc) I
suggest that you are either misinformed, or you're deliberately lying to
try and push a political agenda.

My disability + long term care policies (healthy mid-40s) cost me around
$10K per year, and that offers NO coverage for my spouse or any dependent.



DSK

That's just about what my SS check is after deductions ---- THANK YOU!


Bill McKee wrote:
My checks start next month. I will get more than you! HA-HA


So, you're in favor of socialism as long as you personally benefit?

DSK

"DSK" wrote in message
.. .
You can buy a lot better long term / life insurance policy for a lot
less money than SS takes out.

Where?


Bill McKee wrote:
Call up any insurance agent. Total SS payments on max salary are around
$13,000 a year. You can buy a decent long term disability policy and and
have investment money left over for less than this.

And what can one get for less than "max salary" payments?

Considering the benefits that Social Security offers (disability,
dependent support, retirement, long term care supplement, etc etc) I
suggest that you are either misinformed, or you're deliberately lying to
try and push a political agenda.

My disability + long term care policies (healthy mid-40s) cost me around
$10K per year, and that offers NO coverage for my spouse or any dependent.



DSK





Long term care is not covered by SS. Long term disability is. As to less
than the max, you buy a less than max policy. You pay less than max to SS,
you get less than max payments. As to your children, get a term life
policy. If you are young enough to have children under 18 and that is what
the kids are covered too, you can get a large term policy for about $35 /
month. And when the widows and children act (as SS was originally known) it
was not the national retirement plan.

"DSK" wrote in message
. ..
That's just about what my SS check is after deductions ---- THANK YOU!


Bill McKee wrote:
My checks start next month. I will get more than you! HA-HA

So, you're in favor of socialism as long as you personally benefit?

DSK


I am going to take the money. But for the over $160k that I have paid in
for 42 years, I could have got a bigger payout. And the younger people, in
their 20's to 40's are going to pay a whole lot more in than I did. I paid
in the max of $330 / year and the company matched it for some of those
years.

Bill McKee wrote:
Long term care is not covered by SS.

Really? I was under the impression that Social Security offered a
variety of supplemental benefits which were the same thing, in effect.

I suppose one just can't rely on what the Social Security office tells
one...


... As to less
than the max, you buy a less than max policy.

Really? I'd never have guessed. And there quickly comes a point where
one cannot buy effective coverage, period. Does SS cover those below
that point? Nod your head yes...



... As to your children, get a term life
policy.

And don't count the cost of that, so as to maintain the fiction that SS
is more expensive than comparable insurance?


... And when the widows and children act (as SS was originally known) it
was not the national retirement plan.


It still isn't "the national retirement plan" except for those who are
either very low on the economic scale and/or too friggin' stupid to save
for their own future. Which are you?

DSK

So, you're in favor of socialism as long as you personally benefit?


Bill McKee wrote:
I am going to take the money.

So your principles are for sale to the high bidder? Please tell me you
don't consider yourself "conservative."


... But for the over $160k that I have paid in
for 42 years, I could have got a bigger payout.

Sure.

... And the younger people, in
their 20's to 40's are going to pay a whole lot more in than I did.

That depends.


... I paid
in the max of $330 / year and the company matched it for some of those
years.


And your point is?

Oh wait, I know... you're PO'd because it's the gummint. Somebody lied
and told you that Social Security was an investment program, then lied
again and told you that you could get insurance cheaper.

It didn't ever occur to you that Social Security shouldn't be your main
retirement plan, that it is neither an investment program nor insurance,
and yet you try to make pinheaded comparisons to "prove" that Social
Security is somehow bad.

No wonder the country is in such a mess, with politics based on such
stupidity.

DSK

"DSK" wrote in message
. ..
So, you're in favor of socialism as long as you personally benefit?


Bill McKee wrote:
I am going to take the money.

So your principles are for sale to the high bidder? Please tell me you
don't consider yourself "conservative."


... But for the over $160k that I have paid in for 42 years, I could have
got a bigger payout.

Sure.

... And the younger people, in their 20's to 40's are going to pay a
whole lot more in than I did.

That depends.


... I paid in the max of $330 / year and the company matched it for
some of those years.

And your point is?

Oh wait, I know... you're PO'd because it's the gummint. Somebody lied and
told you that Social Security was an investment program, then lied again
and told you that you could get insurance cheaper.

It didn't ever occur to you that Social Security shouldn't be your main
retirement plan, that it is neither an investment program nor insurance,
and yet you try to make pinheaded comparisons to "prove" that Social
Security is somehow bad.

No wonder the country is in such a mess, with politics based on such
stupidity.

DSK


You must not comprehend what you read. I have argued for a long time that
SS is not a retirement plan. But lots here think it is the national
retirement plan. Keep the old living large. My retirement plan outside of
SS is very adequate. I am going to take the money. Just like I would take
lottery winnings.

"DSK" wrote in message
. ..
Bill McKee wrote:
Long term care is not covered by SS.

Really? I was under the impression that Social Security offered a variety
of supplemental benefits which were the same thing, in effect.

I suppose one just can't rely on what the Social Security office tells
one...



Long term care is not covered. If you get disabled, you will get a monthly
stipend. It does not cover you expenses. If you have no money to cover the
expenses, then you get welfare. Medi-Cal here in California. A long term
care policy will pay you a lot more.

... As to less than the max, you buy a less than max policy.

Really? I'd never have guessed. And there quickly comes a point where one
cannot buy effective coverage, period. Does SS cover those below that
point? Nod your head yes...



Those below your effective coverage will get a bare minimum from SS.



... As to your children, get a term life policy.

And don't count the cost of that, so as to maintain the fiction that SS is
more expensive than comparable insurance?



$35 bucks a month will get you $500k of term life at about 36 years old.
That $500k will give your kids a lot more monthly money if you die than SS
will



... And when the widows and children act (as SS was originally known)
it
was not the national retirement plan.

It still isn't "the national retirement plan" except for those who are
either very low on the economic scale and/or too friggin' stupid to save
for their own future. Which are you?

DSK


Why are you so bitter? You have no money are are depending on SS? Me, I
can afford to retire. And an extra $16k a year is nice. Keep working and
sending me that money. Will pay for the new motor for the boat in about 6
months.