3 Phone Calls Add $570 to Your Social Security — Almost Nobody Makes Them

Most people over 65 are leaving money on the table every single month — not because they did anything wrong, but because nobody at Social Security or Medicare has any reason to call and tell them. In this video I walk you through 3 simple phone calls (plus one bonus) that can add as much as $570 a month back to your retirement income — for life. That's more than $130,000 over a 20-year retirement, with your name on it the whole time. I'm Weston. Here's exactly what each call is, the exact words to say, and the order to make them in: CALL 1 — Social Security: ask them to review your earnings record year by year and recompute your benefit (and if you're a widow or widower, check your survivor amount). A wrong or missing year means you've been underpaid for years. CALL 2 — Your State's Medicare Savings Program: if your income qualifies, they pay your Medicare Part B premium for you — $202.90 a month in 2026 back in your check. While you're on that call, also ask about Extra Help, which can cover most of your prescription costs. CALL 3 — The IRMAA Appeal (Form SSA-44): if you retired or your income dropped, you can appeal the extra Medicare fee built on your old income — and they refund what you already overpaid. I also cover the 3 mistakes that get these requests denied, and one bonus form that stops the surprise tax bill every spring. ------------------------------------------------ ⏱️ TIMESTAMPS: 00:00 – The $570 hiding in your check 03:28 – Call 1 — Social Security (Recompute Your Benefit) 05:06 – Fix Your Earnings Record + Survivor Benefits 07:28 – Call 2 — Medicare Savings Program (+$202.90/mo) 09:09 – Bonus: Extra Help For Prescriptions 10:02 – Call 3 — The IRMAA appeal (Form SSA-44) 12:59 – The Best Part — They Pay You Back 13:58 – 3 Mistakes That Get You Denied 15:02 – Putting It All Together ------------------------------------------------ This channel is general education, not personal legal or financial advice for your situation. Programs, income limits, and dollar amounts change every year — always confirm your own numbers with Social Security, Medicare, or a qualified professional before you act. #seniorfinance #socialsecurity #medicare #retirement #irmaa #retirementincome #retirementtips