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A Seniors Lament on Social Security and Medicare: I Want What I Paid for and I Don't Care Who Has to Do It!

Updated on March 31, 2020
Don Bobbitt profile image

Don is a Writer and a Storyteller. He has published over 9 books on varied subjects along with many articles and commentary on his blogs.

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My Rights as a Senior

Yes, the title is right, as I watch my "paid for" benefits dwindle I also see a lack of concerned for me and my fellow Seniors in America.

I want my money and my benefits refreshed as my country promised they would be.

And honestly, I don't care if you have to pay for it, or if OUR kids have to pay for it, I want what I worked my whole life for and as I said, paid for. At one time this money of mine and my fellow seniors was put away by our government and we were promised it would be there for us.

I really don't care if Congress tosses out their standard excuse that the money is gone, because these special accounts were raped by our Congress then.

I don't care if illegal aliens in our country doesn't get money from one of the many insane welfare programs we have in place.

I especially don't care if we have to drop back on the international handouts to those countries of the world who take our checks and then tell us how they hate us.

I just want what is mine.

I worked from the time that I was 16-years old. delivering papers, working in a hamburger joint after work while going through High School. I knew I had to do demeaning jobs if I wanted money to live on and I ended up having a productive and eventually well-paying career.

I served a tour in the Navy during the VietNam War era. It was a voluntary enlistment, not a move to dodge the draft at the time. So, I spent almost five years of my life, not building a career and making big bucks, but serving my country when they needed me.

And while my peers were working their soft jobs and getting promoted to higher positions, I spent that time "sitting on the ramparts" while the rest of you slept well.

I gave up this time in my life for my family and for yours, which meant that I started a business career later than my peers, as I mentioned, and I was always playing catch-up.

I finished my service, I got married and I went to work in a factory. My wife and I both worked to provide for our family and we raised three great kids.

I realized that I needed to get ahead if I wanted to provide more for my family so I went to school at night for 14 years until I eventually got my engineering degree.

At the same time,I worked my way up through the ranks of the company and eventually ended up in middle management.

During my 45-plus years as a contributor to our economy and society, I paid my taxes and I was charged the maximum allowed by law for Social Security and Medicare for the last 20-plus years of my career.

So,You see, I PAID for my BENEFITS that were, at the time, promised to me, for my retirement.

Today they call it an entitlement. But that term leaves a sour taste in my mouth.

Because? You see I AM ENTITLED to what I PAID for. I don't want anyone's handout.

Who will Pay for My Rights

The real point here is that, now, the politicians who are in control of our country want to strip me of what their predecessors laid out as the law of the land.

I was not given a choice!

IThere was no other option offered to me. The government took my money and at the same time they promised me, in great detail that I would have a certain level of retirement pay and medical care for my money (SS and Medicare taxes).

Whatever YOU want to call it,it was an Insurance Policy for a generation of Americans.

Now? Our rich, pampered, young representatives are scared that their children will have to pay extra taxes in order to care for us, the Seniors of our country, as we age and die over the next couple of decades.

Well my fellow Americans,here is how it works;

I and my peers paid for our parents rightful and hard earned healthcare and retirement income, just as you are required to do now for us and your children will be required to do for you.

And, really, for a wealthy politician,who will leave inheritances to his kids that probably will exceed what I earned over my lifetime, to complain about their having to pay for my Healthcare, to complain about the fairness of it all, is just ludicrous.

So, here is my opinion on your whining over the costs sitting in front of you as you do the annual budget.

Kids! Adults under 50! As well as you others that will be working for another twenty years or more; BUCK UP! Get off of your Butt and get Involved!

Do your duty as an American. Pay your Taxes, and figure out a way to handle the cost. I Did!

Being fair about Taxes to Care for the Elderly

Is it Fair for my children and grandchildren to pay more taxes in order for me to have the Income and Medical care that I was promised?

Well, I am sorry, or the younger generation but get real people, this is how taxes and the politicians who set up our tax system changed the way things will be.

The monies that we paid was stolen by our Congress and now it must be replaced, somehow.

Things are done by politicians to satisfy the majority voting blocks, at the time, and, if you haven't done the math, we,the Baby Boomers, and other Seniors, are and will be a significant voting block for at least another decade. And we will get what we paid for.

What you need to do, my friends, is get off of your butts and become active participants in the voting system now, if you want to have any kind of secure future for yourselves.

And,YOU need to train your Kids to understand the political process in this country and to be active in it as soon as they can vote, to take care of themselves and take care of you when you get older.

Get off of your Butt and Vote

Honestly, you can just sit back and let the existing (backroom) controllers of the political parties take away our insurance and incomes.

You can allow them to strip our medical coverage to where we have to pay more and more ourselves.

You can deny us the adequate income to purchase foods for a balanced diet.

You can strip our Medicare coverage to the point that we cannot afford our portion of critical drugs and doctors charges in order to stay healthy.

You can strip our meager incomes to the point that we cannot afford to heat or cool them and become a burden on the local rescue and emergency services when we become ill.

You can tax our residences to the point that we end up living in a car or on the streets as your omnipotent banks eject us from our meager homes.

You can do all of these thing thinking that you will reduce your own personal tax bill in the future.

Pay me NOW or Pay Me LATER

But,I hope you understand one basic reality that is staring you in the face.

The more that you take away from us, the Seniors, then the sooner we become BROKE.

You see, the majority of us live on Social Security, and any meager cost-of-living increases that Congress might give out.

And, by the way, you should be intelligent enough to understand a fact about inflation. It occurs and hits the Poor and Seniors immediately, even when the price of Milk goes up.

The COL increase, though, will be voted on and implemented at least a year later. That means a whole year when the needy have to pay more before there is any form of financial relief.

Some of us might have small pensions or savings as supplemental income and we use these as our financial buffer for these cost increases.

But these small savings are typically fixed and do not grow. So eventually, a Senior looks and they have eaten up their savings and no longer have the luxury of paying for their once comfortable lifestyle.

I mean, really, the Day-to-day cost of living in this country of ours is going up every year, and it never goes down.

So, a Senior, almost every Senior, has less real income as time goes by.

My point here is, go ahead, take more of our PAID FOR INSURANCE PAYMENTS away form us.

Go ahead and make yourselves feel good about stripping a whole generation of what they paid for.

All you will be doing is pushing us to the point that we will depend more and more as a voting group on such things as; eating in FOOD LINES, wearing SECOND HAND CLOTHES,and sitting in EMERGENCY ROOMS for free healthcare.


What am I telling you?

Well,I'm telling you that it is cheaper to manage and even improve on the system we now have and actually take care of us, the seniors, than it will be to allow things to go to HELL and then be forced to allow more inefficient support systems to be put in place to care for us, because you thought that you were reducing your own taxes.

Or, I don't know, maybe you can hide from reality and your responsibilities as a human being with a heart, and just implement a system to use us as a source of a new and improved SOLYENT GREEN (watch the old 1973 SciFi movie if I have confused you here)!

So, Again, to push my point:


And, I have my RIGHTS as a TAX PAYING AMERICAN for over 45 years, to GET WHAT I PAID FOR, and NOT what you, think I might deserve.

Don't Like it? Get off of your Butt and Vote for what is right for America and Americans, and not what our politicians want to give away to our Nation's Enemies and others who continuously bite the hand that feeds them.

When did it become wrong to take care of our own Seniors and our own Children FIRST!

Social Security by Morningstar

The 10 SS Benefits

This content is accurate and true to the best of the author’s knowledge and is not meant to substitute for formal and individualized advice from a qualified professional.


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    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      14 months ago from Ruskin Florida

      Kelly Ann - You're Right, While I was getting married, and establishing a family, working several jobs while going to school at night, etcetera, Our president Johnson and his cohorts took all of the SS money that was in a protected account, and placed an IOU there to fund his GREAT SOCIETY.

      And we know what a fiasco that was.

      Anyway, as I watch the protections I planned on for my elder years, all I can count on is a continually shrinking part of my planned financials.

      Alway distrust a politician when he has his hands on your money. LOL!

      Thanks for the comment.


    • KC3Lady profile image

      Kelly Ann Christensen 

      14 months ago from Overland Park, Johnson County, Kansas

      I haven't looked at the issue recently, but they were graduating the retirement ages. I think it was also predicted with the Babyboomers retiring and dying that it would reach a point where there were 10 people drawing on it for every one working. Also, wasn't Social Security emptied out years ago and pretty much just contains the equivalent of an "IOU" for a balance. A couple decades ago I began thinking there might not be any Social Security by the time I need it.

    • bradmasterOCcal profile image


      15 months ago


      A little late with my answer

      That leader doesn't exist, but the leaders that want to make it work are running rampant today.

    • Tiffany Dian Payne Bph profile image

      Tiffany Payne 

      15 months ago from Dallas TX

      I enjoyed reading your article

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      20 months ago from Ruskin Florida

      Brad - Well Said!

      BUT---- Where is the LEADER we need to form a group of dissenters who have a viable plan take reverse this system without hurting millions of people tied to what we have now?


    • bradmasterOCcal profile image


      20 months ago


      SS, Medicare and Obamacare are TAXES, the first two are FICA taxes, and the last one is Mandate tax.

      What the people need is equality with the government workers. Today they contribute to SS because it is a Ponzi scheme and it needs more new blood.

      But the government employees have FERS a defined BENEFIT retirement, that means they never get less than that benefit, although they do get more. And they have FEHB in addition to Medicare again because Medicare is also a Ponzi.

      If all American wage earner got the same benefits as government workers then we would be happy as they are.

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      2 years ago from Ruskin Florida

      Ada Sue - Well said! Well Said! But what can we really do to set up a united front of Seniors to back these selfish and thoughtless politicians intheir place?

    • profile image

      Ada Sue Jemison, MD 

      2 years ago

      Thanks to Mr Bobbitt for his honest and insightful comments. I would like to add and emphasize the fact that the Baby Boomer generation paid forward to take care of ourselves and our families during our "retirement" years. No one is giving us anything; we are simply being paid with our own savings and taxes we have paid into for many years.

      There is a lot of finagling and doubletalk coming out of various politicians and other folks' mouths but stealing is stealing. You can call it something else if you want but, in no uncertain terms, it is theft.

      We cannot confront this problem of not respecting our Elders, giving care to our Elders AND our young and less fortunate citizens without addressing the very real lack of genuine regard that is missing from our interactions with each other in American society. We have allowed our children to grow up thinking that the almighty dollar is the most important thing there is; and that acquiring money is the reason for living. And what's worse we have taught them that there is not enough money to go around.

      That is actually antithetical to the American Dream. We have perpetuated the idea that 'them that's got shall get and them that's not shall lose."

      When Billie Holliday wrote that song she was lamenting a terrible American tragedy not advocating the horrible reality of climbing up the ladder on your brothers' and sisters', mothers' and fathers' backs.

      If we steal from the Baby Boomers' the money they worked hard for and paid forward into the system for their active retirement, we are actually no better than PRIMITIVE societies that sent their elderly, sick, ill and handicapped out into the wilderness to die a lonely, cold horrible death.

      Let's get really real! What goes around, comes around. You reap what you sow. These are truths.

      Believe it or not, the retirement of the Millennium Generation is not as far off as some might think it is. Time passes fast. It is important to do the right thing now.

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      7 years ago from Ruskin Florida

      Ralph Deeds- Thanks for the Link. Good site and information.


    • Ralph Deeds profile image

      Ralph Deeds 

      7 years ago from Birmingham, Michigan

      Here's a link to a recent, excellent Frontline program on retirement security.

      This is an excellent program.

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      7 years ago from Ruskin Florida

      Ralph Deeds- Thanks so much for your Comment and support of my position on how we Seniors are being abused by our own government as we move into the world of retirement.

      I keep pushing this point in an effort to drive for more involvement by Seniors and Baby Boomers.

      I hope I have opened at least a few eyes.


    • Ralph Deeds profile image

      Ralph Deeds 

      7 years ago from Birmingham, Michigan

      I'm with you on this one. Obama is dead wrong on his chained CPI proposal which would pick the pockets of retirees in a misguided effort to deal with a deficit which has nothing to do with Social Security at a time when retirement savings are inadequate or non-existent for many Americans. He should be working harder on revising the 401k rules to increase participation and reduce the excessive costs in many pland. In his Social Security proposal he is responding to the misguided deficit hawks in both parties. Big mistake.

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      8 years ago from Ruskin Florida

      cam8510- thanks for the supporting comments. I have to write something like this and put it out there once a month or so, just to calm myself down.

      all I can ask people is to keep writing and being a nuisance to your congressmen.

    • cam8510 profile image

      Chris Mills 

      8 years ago from Traverse City, MI

      It is amazing how many decades and election cycles pass with promises made for these programs. But nothing substantial gets done except that they take a substantial amount of our money and cut a substantial amount of benefits. How long will we fall for the deception? Thanks for putting some good words to how many of us feel.

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      8 years ago from Ruskin Florida

      Tom, My apologies.I now understand.

      As to taxes, No, Iam not paying double SS and M_Care taxes on my stipend,but I am paying federal Income tax on monies that were already taxed. That is what I meant.

      Anyway, Sorry for my confusion.

      And, considering your age category, I truly feel that we all need to get together and have some reasonable people (which leaves the existing Congress out) fix this complex system for everyone.

      Thanks for the Comment.

    • Tom Koecke profile image

      Tom Koecke 

      8 years ago from Tacoma, Washington

      The "finance a campaign" line was tongue in cheek.

      As for double taxation, I don't think you are paying SSI and Medicare from your stipend. I am not volunteering to pay another "level" of tax. If the fund is low, they should consider raising the level at which social security is maxed out. Regardless, I pay social security the entire year. On the other hand, the highest earners max out about noon on the first day of the year. If they paid until mid-January, there might not be a crisis that eliminates benefits.

      I have more reason to worry about this than you do. If I read correctly, you are already on Medi-care. I am the oldest age at which they are talking of changing it if the Tea Partyers get their way.

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      8 years ago from Ruskin Florida

      FYI,Tom, We Seniors already pay taxes on the SS income we receive that in itself was a tax. So, we Seniors are already suffering from "double taxation". Are you volunteering to pay yet another level of tax.

      "Curiouser and Curiouser said the cat!"

      As to your suggestion that I finance a campaign?

      That sounds like "Let them eat Cake!" to me.

      Have a nice day.

    • Tom Koecke profile image

      Tom Koecke 

      8 years ago from Tacoma, Washington

      I don't know what politician would read this and take heed, Don. I didn't notice any offer to finance a campaign!

      If Social Security is having so many problems, maybe we can offer to pay the tax on the first $5,000,000 we make each year. I'm always willing to help a brother out!

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      8 years ago from Ruskin Florida

      I appreciate your support lmmartin. Who know, maybe a politician out there somewhere will read this and take heed?

      OK! OK! That is stretching reality too far, but i was fun to dream for a moment! LOL!

    • lmmartin profile image


      8 years ago from Alberta and Florida

      All I can add is "Bravo!"

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      8 years ago from Ruskin Florida

      Thanks Timetraveler2 for your response. After the debate, I finally stood and Yelled:

      "YEEEASS! He finally said it. He is going to Screw the Senior and middle-class population by removing deductions like home mortgage interest and his tax reductions will ONLY be implemented IF they do not increase the Budget debt."

      SO, It looks like I am going to bed with the "Devil I know and have, and not with the Devil I don't know."

    • TIMETRAVELER2 profile image

      Sondra Rochelle 

      8 years ago from USA

      Outstanding! You are spot on with your views, but one thing you should have added...if you vote for Romney, you can kiss your Medicare and some of your other "benefits" goodbye. I'll be voting for sure, and as a senior, I definitely won't vote for Romney. Great hub and voted up.

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      8 years ago from Ruskin Florida

      Irc7815- Thanks for reading my latest diatribe.

      It's just that I get so darned tired of these Gucci suited people in politics making their snide remarks about myself and my generation, and our "entitlements".

      As I have mentioned before, I am voting for ABN (anybody but those in office now).

      What can they do to me? Treat me like Crap and take my benefits away?

    • Don Bobbitt profile imageAUTHOR

      Don Bobbitt 

      8 years ago from Ruskin Florida

      Well Said! Grayghost!

      I am sick of everyone thinking that I am "on the dole" because I have now been FORCED to have Medicare coverage for my health. Add to that, the fact that I now pay almost $170 a month for supplemental medical coverage here in Florida, and you can imagine my anger each month when I go through my bills and eat Hot Dogs.

      My question is, what are we Seniors going to do if they sneak another paragraph onto some bill in Congress and I have even less coverage next year?

      And they wonder why I want to vote for "ABN" (anybody but who is in office Now).

    • grayghost profile image


      8 years ago

      Great Hub, Don. I fit your profile almost precisely even to the 45 years working. You are right-on: Social Security and later, Medicare were compulsory and we have purchased and paid for our benefits. To call these programs "entitlements" is ludicrous. When people in the private sector loot their employees pension and healthcare plans, people go to jail. These criminals in congress and the executive branch should be treated at least as well.

      Despite the fact that we're being told the country is going broke, we have an Administration squandering vast sums of money on political pay-back, vote buying, and other schemes like Solyndra ($500M), aid to our "friend" Egypt ($450M), and ending "work for welfare". Now we can get paid to sit on on our collective arses with no strings attached! Ben Franklin said " when the people find that they can vote themselves money, that will be the end of the Republic"

      In the midst of all this nonsense we're being told that Medicare has to pony up $500B to fund another hair-brained Utopian scheme, Obama-care, and the Military has to give up another $500B in the middle of a war to help reduce the the deficit. Ya just can't make it up.

      I feel like we're following Alice down the rabbit hole!

    • lrc7815 profile image

      Linda Crist 

      8 years ago from Central Virginia

      This is the best rant I've read in a while Don and I agree with you completely. I am sick and tired of people whining about the impact our economy is going to have on their children. Most of their children wouldn't know a full day's work if it smacked them on the nose. Each generation lives on the promises and mistakes of their parents. Like you, I've earned it and I want it and like you, I don't care who pays for it. It was mine to start with. Great, great rant!


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