What It's Like to Be a Retired Immigrant in New York

Photo: Denis Malinin

As I was writing this article, I was given this piece of advice: “Never talk to people in Brighton Beach! They will tell you things! They are the poorest ones! ” "Isn't That true? " I Asked and was told, "definitely not. "

US retirees vs. USSR-born retirees in America

If you’re a It is not always the case. Social Security retirement payments are for taxes.

If you’re a person, you’re I wasn’t been unanimously retired, I wouldn’t have been so much better than my US counterparts. Our people have: a) an apartment under section program (for those with low income); b) Medicaid (while most people have had Medicare), and c)

Those who never worked in the US are supplemental security income. Point of choice (62, 65 or 67 optionally).

A standard SSI person is $ 822. A couple receives $ 603.5 per person, or a total of $ 1207.

Payments for a retiree who did work in the US:

SSA - Social Security payment or Retirement Benefit. Those who hail from the USSR call it 'pension payment.' 40% of what you were earning before retirement. Social Security Administration's website features a pension calculator to calculate your payments.

Union pension for those who have been employed; it's pension payments via unions.

IRA it can be used in the future. You can deposit up to $ 5,500 annually on your individual retirement account (IRA). When you reach the age of 50, the amount will be increased. Money for traditional IRA is tax deferred.

Payments of private pension plans It’s not a problem.

If you are employed on the Social Insurance Administration website. When you create an account, you will be shown the tax authority. If you get disabled, you can get it.

Brighton Beach boardwalk. Photo: Denis Malinin

At what age you can retire

After all, you were born. If you were born before 1938, you retirement age is 65.

2 for each subsequent year for each year. People who were born between 1943 and 66 reach their retirement age at 1943. It is a month for each year until 1954. If you were born in 66 and later, your age is 2. SSA website features this calculator to help you calculate your full retirement age.

As of today, you can receive 62. But you will be paid each month. For instance, if you have been paid 70%, compared to only 100% if you have been receiving 70.

It would be clear that you’re not even clear. How do immigrants who never worked in the US survive?

Lyubov

Age: 80
Resided in New York: previous 20 years.
Employment record: Never worked for checks, only cash. Help her husband who was still alive.

“He died in the age of 62,” Lyubov says. “It was always off the books. Where do I live? I received from a non-profit that helps Jewish people. It is where people are settled. You must be able to get to the bottom of 62. ”

Lyubov's payment of $ 735 + $ 87, A minimum income for a retiree is $ 822, a standard amount for a single person. Married retirees are in worse conditions - they are paid a bit more than $ 1,000 for two of them.

Lyubov doesn’t complain about her life. Quite the opposite: she told ForumDaily that her days are active and full of events. “I have kids, I have kids, and a cat. I see my kids. I can tell you what it is about. We act in a theater, visit amateur art groups, dancing clubs. We have yoga classes, where they teach us how to paint; we go to concerts - altogether, the things are humming. ”

Lyubov is entitled for $ 194 in food stamps monthly. If she has received $ 204 for two of them.

Svetlana Borisovna

Age: 79
Resided in New York: arrived when she was 60.
Employment record: Never worked in the US

Photo courtesy of Svetlana.

When Svetlana arrived to New York, she had a husband. Now she has a daughter and a son she has been widowed several years ago. Lyubov: a pension on the amount of $ 735 in food stamps. This is a difference between the 87 program.

She has been lucky enough to be an American retirees. “I’ve had several more complicated people here in New York. I have been treated with hepatitis C, I couldn’t even learn English, although I didn’t need it. However, to be honest, I’ll rely on those who are able to get employed. I was 60, I wanted to hire me. Receives $ 1,650 monthly. Some Americans I know are paid $ 4,000.

“In general, I think my case is not the best one. I was ill, I didn’t learnnt the language. But if you’re not stupid or lazy, you will be OK when you grow old. ”

It is not possible to read them in different pharmacies. She cooks by herself and never eats out. “I don't eat grain, except for oats; I love it at the 29 tomatoes. My food stamps are not enough, I must say. I am forced to save where possible. ”

Alex

Age: 73
Resided in New York: arrived in the United States, living in Israel, returned to America when approaching retirement age.
Employment record: had worked for a few years and earned small crowd payments as a crowd scene actor.

Alex was born in Poland in 1944. He was a little baby. He didn’t even want to go there. Then his parents moved to America and became citizens in 1956. He grew up in the United States when he turned 21. He lived in Israel. He speaks Hebrew, English, German, and some Russian. But he says he is an American. Alex had two daughters and three sons. He also has grandchildren, and is divorced, he told ForumDaily.

For many years now, it’s not a problem. He hasn’t been able to finish this case.

Alex doesn't have a problem with accommodation thanks to his parents. He says he is grateful for moving to the United States. His apartment is in the Xtinkage of the monthly charge of electricity and electricity bills, etc. (When FD detailed these expenses, they are $ 60 monthly, including apartment insurance.) Alex says he's a veteran, and that's what saves him from being homeless. The US Department for Veteran Affairs provides assistance to Alex, although not all veterans are entitled.

For Alex, living in New York is not easy. He says it rarely. The man also complains about his walking disabilities caused by an ill leg. Not so long ago, he said, stating that his disability is not permanent. “What is a 'permanent'?” Asks, and says that there is a total of $ 1,065 monthly payments ($ 634 veteran's benefits). It means that it can be used to

Alex receives $ 194 monthly in food stamps. He says that you get the amount of 30 days, you get $ 6 daily. It's not possible to live on $ 6 per day, he says.

He says he will pay for him. He wants you to spend $ 10,000 on food. His entertainment is TV and radio. He doesn’t have to do it.

Alex says he fluently speaks fluently. He is a woman who looks for his intellect and optimism. He says that she shouldn’t have been a sugar daddy. Alex says it is a key thing for his age. He asked to describe him as a no extremist who loves discussing politics; a registered democrat who votes independently.

ForumDaily spoke to Inna, a social worker who knows Alex well. “He was not a member of the Jewish center. He's charismatic and very loves singing. It’s not true. Regarding his situation, it's true. It's all very difficult for him. Regarding Holocaust Survivors allowance, he's experiencing some troubles with it. But he just received a package of documents from the Red Cross. This could not be considered, but it couldn’t have been considered.

Brighton Beach residents voted for Trump. Photo: Denis Malinin

I’m not sure where you’ve been employed. 9 10 outline In addition, it is extremely high. It has been found that it has been the case that it has been the age of $ 65.

Two thirds of employed families have no conservative savings retirement goals for their age and income. As of June 2016, average social security benefit was $1,234. In general, cost of food from supermarkets reached $240, and 1-bedroom apartment rent was $900 - $1,200.

Read also on ForumDaily:

Forhos, Porthos, and Athos

What you need to know about Medicare

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