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Feed Our Vets uses $100K state grant for upgrades to Utica food pantry
UTICA, N.Y. — New York State Assemblywoman Marianne Buttenschon (D–Marcy) recently announced the successful delivery of a $100,000 state grant to Feed Our Vets, a Utica–based nonprofit organization dedicated to fighting hunger among veterans and their families. The funding, secured by Buttenschon through the State Assembly, supported two essential upgrades at Feed Our Vets’ Utica […]
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UTICA, N.Y. — New York State Assemblywoman Marianne Buttenschon (D–Marcy) recently announced the successful delivery of a $100,000 state grant to Feed Our Vets, a Utica–based nonprofit organization dedicated to fighting hunger among veterans and their families.
The funding, secured by Buttenschon through the State Assembly, supported two essential upgrades at Feed Our Vets’ Utica facility: the reconstruction of the parking lot to ensure accessibility for veterans of all abilities, and the purchase of a new walk-in freezer to expand food-storage capacity and meet growing community demand.
“We appreciate the support of Assemblywoman Buttenschon and her office. The $100,000 provided by her helped us tremendously. We are especially thankful for the freezer. With the funding, we were able to purchase a 20-foot-long by 10-foot-wide freezer; we can now roll in the pallets we receive smoothly and efficiently,” Richard J. Synek, founder and executive director of Feed Our Vets, said in the announcement. “This upgrade gives us greater capacity to provide even more frozen food items to the veterans we serve. The funding also allowed us to repair our parking lot, which is now free of cracks and much safer for our visitors. Our organization, and the veterans in need who rely on us, are forever thankful to Assemblywoman Buttenschon.”
Founded in 2009, Feed Our Vets says it has become a lifeline for veterans and their families across the nation. Since its inception, the organization has provided food assistance to more than 73,103 veterans and their families, distributed 5.5 million pounds of food, and delivered over $395,000 in Walmart gift cards to help families purchase groceries.

Golisano Institute for Business & Entrepreneurship expands to Buffalo
BUFFALO — The Golisano Institute for Business & Entrepreneurship is opening a location in Buffalo and is expected to welcome its first students in the fall of 2026. The new campus center will be located in the former office building of The Buffalo News on Washington Street. It represents an expansion of the Golisano Institute’s
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BUFFALO — The Golisano Institute for Business & Entrepreneurship is opening a location in Buffalo and is expected to welcome its first students in the fall of 2026.
The new campus center will be located in the former office building of The Buffalo News on Washington Street. It represents an expansion of the Golisano Institute’s footprint in Western New York.
Ian Mortimer, president of Golisano Institute for Business & Entrepreneurship, shared the announcement Oct. 16 at the future campus center, emphasizing that the Buffalo location will deliver the same accelerated, non-traditional business education offered in Rochester — a model made possible by the Golisano Institute’s founder, entrepreneur, and philanthropist Tom Golisano.
“At Golisano Institute, we remain committed to providing a highly focused set of business learning and experiences that students complete in just two years,” said Mortimer. “With our first class graduating this past August, we have evidence that the Institute’s approach yields business career success, and we’re excited to bring that same opportunity to students in Buffalo and across Western New York.”
The Buffalo campus center will join the Institute’s Rochester–area flagship location in Brighton, which opened in 2023. Its two-year professional certificate program in business & entrepreneurship is designed to equip students of all ages with practical business skills and real-world experience, at a tuition cost of $8,900 per year.
During the program, students will gain broader exposure to the business world through a variety of experiences, including multiple internships and through the Golisano Institute’s weekly “Speaking from Experience” series, which propels students to engage directly with some of today’s most successful business and entrepreneurial leaders.
“I founded the Institute to make quality business education more accessible and grounded in what truly matters for success,” Golisano said. “Over the last two years, it’s been inspiring to watch our students in Rochester grow and gain economic opportunities. Buffalo is a city with a strong entrepreneurial spirit, and by expanding here, we’re not only opening doors for more students but also helping regional businesses gain the skilled, motivated talent they need to thrive. If we further the business energy and opportunities across the entirety of Western New York, students and businesses will grow economic wealth.”
Mortimer was joined by Golisano Institute leadership, faculty, and business leaders for the announcement, which also included a special commitment from businessman Terry Pegula, owner of both the Buffalo Bills and Buffalo Sabres. Pegula announced that he will endow 10 scholarships for Golisano Institute, citing his belief in the Institute’s mission.
“It fits into what I believe. I think our country needs more people like the people this Institute will be preparing,” Pegula said.
Andrew Goldner, founder of venture-capital firm GrowthX, works with both Golisano Institute and the Buffalo entrepreneurial community. “The Golisano Institute’s expansion to Buffalo will link Western New York business opportunities in a new and distinctive way,” Goldner said in the Institute’s announcement.
Golisano has ties to the Buffalo region — from his years as owner of the Buffalo pro sports teams to his recent $50 million donation to Oishei Children’s Hospital, which will be renamed in his honor.
The Golisano Institute is accepting applications for the fall of 2026. Those who would like more information can visit Golisanoinstitute.org/Buffalo.

Launch NY to use $1M grant for technical assistance for startups
BUFFALO — Launch NY will use a $1 million state grant to provide a new State Small Business Credit Initiative (SSBCI) technical-assistance program. Empire State Development (ESD) awarded the money through ESD’s NY Ventures division, the agency announced on Oct. 29. The grant is funded through New York’s allocation from the U.S. Treasury State Small
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BUFFALO — Launch NY will use a $1 million state grant to provide a new State Small Business Credit Initiative (SSBCI) technical-assistance program.
Empire State Development (ESD) awarded the money through ESD’s NY Ventures division, the agency announced on Oct. 29.
The grant is funded through New York’s allocation from the U.S. Treasury State Small Business Credit Initiative. It will provide hands-on support to early-stage startups across New York to help founders strengthen business operations, improve financial readiness, and position their companies to attract investment capital, ESD said.
Entrepreneurs interested in applying for the technical-assistance program can visit launchny.org/ssbci-ta.
“Empire State Development is proud to support Launch NY with this $1 million investment in expanding access to critical technical assistance that helps entrepreneurs across our state turn bold ideas into high-growth businesses,” Hope Knight, president, CEO, and commissioner of Empire State Development said in the announcement. “By providing startups with professional legal, accounting, and financial advisory services, we’re removing the barriers that too often prevent innovative companies from securing the capital they need to grow. This initiative ensures more New York founders can successfully navigate the path from idea to investment, creating jobs and driving economic growth statewide.”
Launch NY’s selection as the grant recipient recognizes its position as a long-time investor in the Upstate ecosystem and its network built over years of working with businesses of the future. The organization’s “extensive experience and proven track record make it the ideal partner” to identify and coordinate the legal, financial, and accounting services that will support selected startups statewide, ESD contended.

“Based on our experience delivering pro bono mentorship to more than 350 startups annually — and over 1,850 since 2012 — we know that preparing these businesses to raise equity capital is one of their biggest challenges,” Marnie LaVigne, Ph.D., president and CEO of Launch NY, said in the ESD announcement. “This program offers the first widely available, hands-on resource for founders to receive the legal, accounting, and financial guidance necessary to become investment-ready.”
Starting in November, Launch NY’s technical-assistance program will provide expert services to pre-seed and seed-stage companies across multiple industries. Through this initiative, companies will receive professional assistance with developing investment term sheets, evaluating purchase agreements, setting up banking relationships, and creating financial models for investors — “the kind of support that is critical to early-stage growth,” ESD noted.
Through the technical-assistance program, founders will be able to access professional expertise in three key areas. They include legal services focusing on business-formation filings, contract development, employee agreements, ownership transfers, and equity fundraising transactions.
They also include accounting support, such as financial-software implementation, pro formas, bookkeeping practices, and investor presentations.
In addition, the program offers expertise in financial advising, such as fundraising strategy, banking-relationship development, small-business program applications, and financial modeling.
Launch NY is the only nonprofit venture-development organization and U.S. Treasury-designated Community Development Financial Institution (CDFI) serving startups across 36 upstate New York counties.
Since 2012, the organization has supported nearly 1,860 companies that have raised more than $1.5 billion in capital, generated more than $275 million in annual revenue, and created more than 9,600 jobs.
More than 70 percent of Launch NY’s portfolio companies are located in low-income neighborhoods, “reflecting its mission to drive inclusive economic growth through mentorship and capital-access programs” — including its Entrepreneur-in-Residence initiative, Founders Go Big program, Emerging Cleantech Opportunity (ECO) Incubator, and InvestLocal Financing programs, as described in the ESD announcement.

SUNY Canton receives $8K grant as part of SUNY “Outdoors for All” Program
CANTON — SUNY Canton recently announced it received an $8,000 SUNY grant to help equip students for outdoor adventures. SUNY Canton was included in SUNY Chancellor John B. King, Jr.’s Oct. 10 announcement launching “Outdoors for All,” a program designed to promote inclusivity, sustainability, wellness, and community development. “With the launch of SUNY’s Outdoors for
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CANTON — SUNY Canton recently announced it received an $8,000 SUNY grant to help equip students for outdoor adventures.
SUNY Canton was included in SUNY Chancellor John B. King, Jr.’s Oct. 10 announcement launching “Outdoors for All,” a program designed to promote inclusivity, sustainability, wellness, and community development.
“With the launch of SUNY’s Outdoors for All program, we are working to ensure that our students have access to inclusive, welcoming, and accessible outdoor spaces on- and off-campus,” King said in his announcement. “Through this program, more students and New Yorkers of all ages will have access to hands-on and engaging experiences that will hopefully inspire a life-long love of nature and demonstrate that there is a place at SUNY for every New Yorker, both indoors and outdoors.”
Outdoors for All is the latest climate initiative announced by Chancellor King and supports the SUNY Climate and Sustainability Action Plan’s commitment to engage students on sustainability issues, along with SUNY’s diversity, equity, and inclusion pillar. Thirteen SUNY campus proposals will each receive an $8,000 grant award.
At SUNY Canton, the new funding will be used to make outdoor recreation accessible to all students by eliminating barriers such as cost, a lack of equipment, and transportation, according to Richard J. Thayer, SUNY Canton’s director of student affairs technology, who will oversee the new initiative.
“The project supports student wellness, inclusion, and leadership development, aligning with the college’s goals to expand outdoor-based programming and enhance campus spaces,” Thayer said in an Oct, 23 SUNY Canton announcement. “We are located on a 555-acre campus near the Adirondack Park. Our natural environment is one of our greatest and most defining assets.”
Thayer added that the funding will be used to create a gear library and fund introductory skills workshops, so students can safely and confidently explore nature without having to purchase equipment. SUNY Canton plans to buy snowshoes, daypacks, rain layers, trekking poles, and basic repair kits for future adventures, in addition to a new storage shed to house the new equipment.
During the first phase, which launches during the spring semester, participants will focus on winter gear and safety equipment. Plans for future phases include incorporating items and supplies suitable for warm weather.
SUNY Canton says it has an active outdoor adventure club and a rock-climbing club. Resources purchased through the Outdoors for All program will also be available to these student-led organizations, per the college’s announcement.

TCPDC wraps up renovation of mixed-use building in downtown Owego
OWEGO — The Tioga County Property Development Corporation (TCPDC) recently announced the completion of its latest revitalization project — a newly renovated historic building located at 81 North Avenue in downtown Owego. The project highlights the successful partnership between the TCPDC and Tioga County through the leveraging of funds from the New York State Homes
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OWEGO — The Tioga County Property Development Corporation (TCPDC) recently announced the completion of its latest revitalization project — a newly renovated historic building located at 81 North Avenue in downtown Owego.
The project highlights the successful partnership between the TCPDC and Tioga County through the leveraging of funds from the New York State Homes and Community Renewal Land Bank Initiative and Empire State Development’s RESTORE NY program, according to an Oct. 23 announcement from the TCPDC, which is part of Team Tioga.
The building features 990 square feet of ground-floor commercial space and two updated two-bedroom residential apartments on the second and third floors. The TCPDC said it worked with the State Historic Preservation Office and the Owego Historic Preservation Commission to “maintain the original historic features of the building and return it to its former glory,” the TCPDC said. “This effort showcases the TCPDC’s role in restoring dilapidated buildings and adding units of high-quality housing to Tioga County’s housing stock,” it added.
To celebrate the project, the TCPDC hosted a public open house on Oct. 24, welcoming community members to explore the space and learn more about the project’s role in ongoing downtown revitalization efforts.

OPINION: NYS Electric System Faces Era of Profound Reliability Challenges
The closer we get to the deadlines imposed by the disastrous Climate Leadership and Community Protection Act (CLCPA), the more obvious it becomes that New York State’s overall energy plan is not merely inadequate but extremely dangerous. The latest indication the state’s energy policy is headed in the wrong direction comes by way of two
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The closer we get to the deadlines imposed by the disastrous Climate Leadership and Community Protection Act (CLCPA), the more obvious it becomes that New York State’s overall energy plan is not merely inadequate but extremely dangerous.
The latest indication the state’s energy policy is headed in the wrong direction comes by way of two separate reports from the New York Independent System Operator (NYISO), which indicated major concerns about grid reliability in the New York City and Long Island region as well as the state’s broader energy policy over the next decade.
The first report, NYISO’s third-quarter Short-Term Assessment of Reliability, warns that downstate energy consumers could face critical reliability issues as soon as next summer. It cites “generator deactivations, increasing consumer demand, and transmission limitations” as the key drivers of the energy shortfall. There is a reason the Assembly Minority Conference has warned against transitioning away from traditional energy sources without adequate safeguards in place, and this report speaks directly to the concerns our members have raised for years. We do not have the infrastructure to handle complete electrification.
Further highlighting the impending unreliability of our power grid, a second NYISO report, the 2025-2034 Comprehensive Reliability Plan (CRP), offered an even more dire view of the state’s trajectory.
“The CRP warns that the New York State electric system faces an era of profound reliability challenges driven by the convergence of three structural trends: the aging of the existing generation fleet; the rapid growth of large loads (e.g.: data centers and semiconductor manufacturing); and the increasing difficulty of developing new supply resources due to public policies, supply chain constraints and rising costs for equipment.”
This is extremely alarming. We are moving toward unprecedented energy demands due to technological advancements, industrial needs, and other external factors. Now, more than ever, we need an energy plan that not only accounts for a massive spike in tech-based consumption but also meets basic heating and cooling needs for residents. We already came close to disaster in June when NYISO was forced to issue an Energy Warning, which immediately precedes a full-blown Energy Emergency. Should the grid fail during a heat wave or during extreme winter weather, New Yorkers would be in real danger.
One potential solution we have identified is expanded nuclear energy production. Recently, Gov. Kathy Hochul directed the New York Power Authority to develop and execute a plan to build a “zero-emission advanced nuclear power plant” in upstate New York. I am glad to see some acknowledgment that we must bolster our grid’s reliability with nuclear energy, but more needs to be done.
An unreliable energy grid is unsafe, economically disadvantageous, and entirely avoidable. To my Democrat colleagues in the legislature, I ask: What are you waiting for? We must address these concerns now, with the full measure of our legislative tools. Waiting until we are face to face with a widespread power shortfall is simply not an option.
William (Will) A. Barclay, 56, Republican, is the New York Assembly minority leader and represents the 120th New York Assembly District, which encompasses all of Oswego County, as well as parts of Jefferson and Cayuga counties.

OPINION: Washington’s Farewell Address holds lessons for today
George Washington’s Farewell Address is one of the key documents of America’s founding era. It’s not as familiar as the Declaration of Independence, the Constitution, and some other writings, but it was a clarion call for national unity when the United States was forming its identity. It’s also remarkably pertinent to our own time. As
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George Washington’s Farewell Address is one of the key documents of America’s founding era. It’s not as familiar as the Declaration of Independence, the Constitution, and some other writings, but it was a clarion call for national unity when the United States was forming its identity.
It’s also remarkably pertinent to our own time. As political scientist Robert Strong writes in a recent essay, the dangers that Washington foresaw for the young republic “seem startlingly contemporary and relevant 229 years later.” Chief among Washington’s concerns was excessive partisanship, which, he wrote, “agitates the community with ill-founded jealousies and false alarms, kindles the animosity of one part against another, (and) foments occasionally riot and insurrection.”
The Farewell Address, written with help from James Madison and, especially, Alexander Hamilton, and published in a Philadelphia newspaper on Sept. 19, 1796, explained Washington’s reasons for not seeking a third term as president. Washington was uniquely popular. The hero of the American Revolution, he was already celebrated as the father of his country. Presidential electors had voted unanimously for him in 1788 and 1792. He could have been president for life, but he put the government in the capable hands of his contemporaries.
The Farewell Address, when it’s mentioned, is often cited for its warning that America should “steer clear of permanent alliances” with other nations. That language has been used — wrongly, I believe — to justify isolationism. But Strong, who spent time working in my congressional office as an American Political Science Association fellow, writes that the overall focus is on domestic affairs.
George Washington warned that the government shouldn’t accumulate debt, for example. When it had to borrow money, he wrote, it should promptly repay it, “not ungenerously throwing upon posterity the burden which we ourselves ought to bear.” Today, our national debt approaches $40 trillion, a burden for future generations. He also worried about regional disputes, especially between North and South, a conflict that would tear the nation apart 65 years later. Today, we are divided between blue states on the coasts and red states in the interior. We aren’t at war, but our relations can be tense.
Washington’s strongest warnings were against partisanship, or what he called “the baneful effects of the spirit of party, generally.” At a time when the first American political parties, Hamilton’s Federalists and Thomas Jefferson’s Democratic-Republicans, were taking shape, Washington conceded that creating parties was “inseparable from our nature.” But he feared the consequences: “disorders and miseries” that “incline the minds of men to seek security and repose in the absolute power of an individual; and sooner or later the chief of some prevailing faction … turns this disposition to the purposes of his own elevation on the ruins of public liberty.” The language may seem dated, but the concern about extreme partisanship, the concentrated power of an individual leader and even the “runs of public liberty” should speak to Americans today.
Washington pointed to the Constitution’s checks and balances between the branches of government as a critical safeguard against absolute power. “To preserve them must be as necessary as to institute them,” he wrote. It seems likely that he would be concerned about the way Congress, in recent years, has stood by while presidents accumulate more power.
America’s founders weren’t perfect. They were men of their time (and they were all men). Many of them, including Washington, were slaveowners. They couldn’t foresee the ways the nation would change and grow. But they thought deeply about the meaning of freedom and about how to institute a government that would preserve it. We would do well today to take their words to heart.
Lee Hamilton, 94, is a senior advisor for the Indiana University (IU) Center on Representative Government, distinguished scholar at the IU Hamilton Lugar School of Global and International Studies, and professor of practice at the IU O’Neill School of Public and Environmental Affairs. Hamilton, a Democrat, was a member of the U.S. House of Representatives for 34 years (1965-1999), representing a district in south-central Indiana.

NBT Bancorp profit surges 43 percent in Q3
NORWICH — NBT Bancorp Inc. (NASDAQ: NBTB), parent company of NBT Bank, recently reported that its net income rose 43 percent to $54.5 million in the third quarter from $38.1 million in the year-prior period, as it improved margins and benefitted from a recent merger. NBT’s earnings per share rose to $1.03, compared to 80
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NORWICH — NBT Bancorp Inc. (NASDAQ: NBTB), parent company of NBT Bank, recently reported that its net income rose 43 percent to $54.5 million in the third quarter from $38.1 million in the year-prior period, as it improved margins and benefitted from a recent merger.
NBT’s earnings per share rose to $1.03, compared to 80 cents over the same period.
Norwich–based NBT Bancorp completed the acquisition of Evans Bancorp, Inc. on May 2, adding 200 employees and 18 branches in Western New York, $1.67 billion in loans, and $1.86 billion in deposits. In connection with the transaction, NBT issued 5.1 million shares of common stock, with a value of $221.8 million as of the closing date.
“For the third quarter of 2025, we achieved record net income and earnings per share, and we reported a return on average assets of 1.35% and a return on average tangible common equity of 17.35%,” NBT Bancorp President and CEO Scott Kingsley said in the Oct. 27 earnings report. “These results reflect productive growth in earning assets, deposits, and our sixth consecutive quarter of net interest margin improvement, including a full quarter of our merger with Evans Bancorp, Inc. completed in May.”
The NBT board of directors approved a fourth-quarter cash dividend of 37 cents per share at a meeting held on Oct. 27. The dividend is up by 3 cents, or 8.8 percent, over the amount the banking company paid in the fourth quarter of 2024. This is NBT’s 13th straight year of annual dividend increases. The company will pay the new, higher dividend on Dec. 15, to stockholders of record as of Dec. 1.
Kingsley said the dividend increase is “illustrative of our ongoing commitment to providing favorable long-term returns.”
NBT Bancorp did not purchase any shares of its common stock during the third quarter, ended Sept. 30. On the same day as its earnings report and dividend increase, the NBT board authorized and approved an amendment to the company’s previously announced stock repurchase program. Pursuant to the amended stock buyback program, NBT may repurchase up to
2 million shares of its common stock with all repurchases under the program to be made by Dec. 31, 2027.
Ithaca Rotary Club awards nearly $15,000 in community grants to 11 local nonprofits
ITHACA — The Ithaca Rotary Club recently handed out $14,798 to its 2025 Community Grants awardees. From a pool of 41 applications, 11 grant proposals from area nonprofits received funding, the club announced. Awards are made from the Rotary Club’s donor-advised fund held at the Community Foundation of Tompkins County. The Ithaca Rotary Club, in
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ITHACA — The Ithaca Rotary Club recently handed out $14,798 to its 2025 Community Grants awardees. From a pool of 41 applications, 11 grant proposals from area nonprofits received funding, the club announced.
Awards are made from the Rotary Club’s donor-advised fund held at the Community Foundation of Tompkins County.
The Ithaca Rotary Club, in a Sept. 24 announcement, listed the following local not-for-profit organizations as 2025 grant recipients, with dollar amount and grant purpose included:
• Community Science Institute, $1,500 — Provide discounted water testing through the newly launched Water Testing Assistance Fund program
• Downtown Ithaca Children’s Center, $1,000 — Rechargeable two-way radios for organizational safety and emergency support
• Enfield Food Distribution, $1,500 — Offset the sudden 50-percent reduction in funding received from The Emergency Food Assistance Program (TEFAP)
• Family & Children’s Service, $1,500 — Purchase 30 $50 food gift cards for homeless youth supported by the Open Doors program
• Foodnet Meals on Wheels, $875 — Buy a picnic table and a bike rack for staff use
• Friends of Stewart Park, $1,500 — Match Wegmans’ donation to complete construction of one new accessible picnic table near the Stewart Park playground
• Ithaca Children’s Garden, $1,500 — Install a pond liner, replace deteriorating dock decking, and mount interpretive watercolor panels at its Tadpole Pond Habitat
• Ithaca Community Childcare Center, $1,500 — Purchase weather-resistant play materials that support physical development and integrate into the natural playscape
• Lansing Center Trail, $1,423 — Create a Volunteer Tool Library stocked with gardening and outdoor tools
• Loaves & Fishes, $1,500 — Purchase an ice machine to support daily meal service and enhance food safety
• New Roots Charter School, $1,000 — Expand the free personal-care product pantry and add basic school supplies
The Ithaca Rotary Club said it issues a call for proposals in June of each year. Grants are intended to promote the quality of life in Tompkins County. Small nonprofit organizations are especially encouraged to apply. All grant applications must be for projects completed within Tompkins County.

Ask Rusty: How Do I Navigate the Social Security Maze?
Dear Rusty: I am a woman, turning 65 [soon]. It seems that deciding when to claim Social Security is complicated. I would like more information to navigate through this maze. Thank you. Signed: Ready to Claim Dear Ready to Claim: Deciding when to claim Social Security can be challenging, but we hope to make it
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Dear Rusty: I am a woman, turning 65 [soon]. It seems that deciding when to claim Social Security is complicated. I would like more information to navigate through this maze. Thank you.
Signed: Ready to Claim
Dear Ready to Claim: Deciding when to claim Social Security can be challenging, but we hope to make it a bit easier for you. You can, of course, call us at any time to speak to one of our certified Social Security advisors, but I’ll share some pertinent information here as well.
Be aware that at age 65, you have not yet reached your Social Security (SS) full retirement age (FRA). Born in 1960, your FRA is age 67, and that is when you can receive 100 percent of the SS benefit you’ve earned from a lifetime of working. If you claim SS at age 65, your monthly amount will be reduced by about 13.3 percent from your age 67 entitlement (a permanent reduction). If you wait a bit more and claim at age 66 the reduction would be about 6.7 percent. To receive 100 percent of your “primary insurance amount” you should wait until age 67 to claim. Note you can also wait longer than your FRA and earn delayed retirement credits up to age 70, when your monthly amount would be about 24 percent more than your FRA entitlement.
If you are still working, at age 65 you will also be subject to Social Security’s annual earnings test (AET), which limits how much you can earn when collecting SS benefits before your full retirement age. The earnings limit for 2025 is $23,400 (it changes annually) and if you earn more than that, the Social Security Administration will take away $1 in benefits for every $2 you are over the limit. There is also a special rule for the first calendar year you are collecting early benefits, which will result in you not getting benefits for any month your work earnings are more than $1,950 after your early benefits start. So, if you claim SS at age 65 and continue to work, you won’t get any SS benefits in any 2025 month thereafter that you earn more than the monthly limit (unless your total annual; 2025 earnings are less than the annual limit). FYI, the earnings limit no longer applies once you attain your full retirement age.
In the end, when deciding when you should claim Social Security, you should consider your need for Social Security money, your life expectancy, your plans for working, and your marital status. If you are (or were) married, you might be eligible for a spousal (or ex-spouse) benefit. You may also want to peruse the Social Security Q&A section at our website: www.SocialSecurityReport.org. So, as you have already discerned, deciding when to claim Social Security can be confusing, but we are always here to assist you as needed.
You can either call us directly at (888) 750-2622 or email your specific Social Security questions to us at: SSAdvisor@amacfoundation.org. In either case, we will be most happy to help you decide when to claim, based on your unique personal circumstances.
Russell Gloor is a national Social Security advisor at the AMAC Foundation, the nonprofit arm of the Association of Mature American Citizens (AMAC). The 2.4-million-member AMAC says it is a senior advocacy organization. Send your questions to: ssadvisor@amacfoundation.org.
Author’s note: This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained, and accredited by the National Social Security Association (NSSA). The NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration (SSA) or any other governmental entity.
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