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Ask Rusty: How Much Can I Earn in my First Year on Social Security?
Dear Rusty: My 62nd birthday is in late August of this year. I would like to start collecting Social Security, but after reading about the need to keep my earnings less than $21,240 in the first year it doesn’t seem fair to those who have birthdays later in the year. I will have earned a […]
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Dear Rusty: My 62nd birthday is in late August of this year. I would like to start collecting Social Security, but after reading about the need to keep my earnings less than $21,240 in the first year it doesn’t seem fair to those who have birthdays later in the year. I will have earned a lot by the end of August. Or am I missing the part where the year starts from the day you retire? Or is it a fiscal year? Please elaborate?
Signed: Looking Ahead
Dear Looking Ahead: Born in late August, your first month of eligibility for Social Security (SS) will be September (you must be 62 for an entire month to be eligible for SS benefits). If you start your benefits in September, for the months of September through December 2023, you’ll have a monthly earnings limit of $1,770. If you exceed that limit in any of those four months, you won’t be eligible for SS benefits in any month that the $1,770 monthly limit is exceeded. If you exceed the monthly limit in all of those months, you won’t be entitled to any benefits in 2023, unless using the annual earnings-limit formula to determine your penalty would result in a lesser amount.
The penalty for exceeding the annual limit is $1 for every $2 you are over the 2023 limit and, if using that formula yields a penalty which is less than for exceeding the 2023 monthly limit for September to December, the Social Security Administration (SSA) will use the annual limit instead of the monthly limit to compute your penalty. Thus, your annual earnings earned before September will only count if using the annual limit will result in less of a penalty than using the monthly limit for the months after your benefits start. If you plan to retire from working before September, then there will be no penalty for exceeding the annual earnings limit prior to that. But if you continue to work full time there will likely be a penalty that will cause the SSA to take away some of your benefits.
Starting in 2024, only the annual earnings limit (which will be a bit more than the 2023 annual limit) will apply to you. Generally, if you continue working full time and will significantly exceed the annual earnings limit, it may be wise to reconsider claiming your Social Security until your income is below or closer to the annual limit each year — or until you reach your full retirement age, after which the earnings limit no longer applies. And if you do claim early and exceed the earnings limit, and if you have benefits taken away for some number of months to satisfy the penalty, you’ll get time-credit for those months after you reach your full retirement age. That credit will, essentially, move your claim date forward by the number of months you didn’t receive SS benefits, increasing your benefit amount accordingly after your full retirement age.
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 or any other governmental entity.

Talberg joins NYISO board of directors
RENSSELAER, N.Y. — The New York Independent System Operator (NYISO), the nonprofit that operates New York state’s power grid, added Sally Talberg to its board of directors, effective April 18. She has more than 25 years of experience in the energy and environmental fields, with an emphasis on utility regulation and electricity markets, according to
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RENSSELAER, N.Y. — The New York Independent System Operator (NYISO), the nonprofit that operates New York state’s power grid, added Sally Talberg to its board of directors, effective April 18.
She has more than 25 years of experience in the energy and environmental fields, with an emphasis on utility regulation and electricity markets, according to an NYISO news release.
From 2013-2020, Talberg served as a commissioner on the Michigan Public Service Commission. As chair from 2016-2020, she led the agency in formulating strategic priorities, oversaw about 180 employees, and managed a $25 million budget. Talberg also represented the organization on various state, regional, and national boards and committees. She has previously served as an unaffiliated board member of the Electric Reliability Council of Texas and Michigan’s Interagency Environmental Justice Task Force.
“It is a privilege to welcome Sally to the NYISO’s Board of Directors. Her extensive experience will be invaluable as the Board guides the NYISO during this historic period of industry change,” NYISO Chairman Daniel Hill said in the release. “We look forward to Sally’s contributions as we work to meet the state’s climate mandates, ensure grid reliability, and competitive wholesale markets during the grid in transition.”
Talberg holds a bachelor’s degree in environmental and natural-resources policy studies from Michigan State University and a master’s degree in public affairs from the University of Texas at Austin.
The NYISO is responsible for operating the state’s bulk electricity grid, administering New York’s competitive wholesale electricity markets, conducting comprehensive long-term planning for the state’s electric-power system, and advancing the technological infrastructure of the electric system serving the Empire State.
The NYISO board is an independent body consisting of 10 members with vast expertise in the energy sector.

Shineman Foundation awards more than $272K to regional nonprofits
OSWEGO, N.Y. — The Richard S. Shineman Foundation announced it has awarded grants to 11 Oswego County not-for-profit organizations in its first grant round of 2023 at its April board meeting. The projects encompass a range of focus areas, including health and human services, respite care, education and workforce development, and the arts. The foundation
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OSWEGO, N.Y. — The Richard S. Shineman Foundation announced it has awarded grants to 11 Oswego County not-for-profit organizations in its first grant round of 2023 at its April board meeting.
The projects encompass a range of focus areas, including health and human services, respite care, education and workforce development, and the arts. The foundation said its mission is to be a catalyst for change to enhance the quality of life in Oswego County.
The funded projects will benefit Oswego County on several fronts. The largest award, $74,600, was given to Fulton Family YMCA to support its Camp and Outdoor Recreation for Youth — designed as an outdoor recreation space — that provides summer and after-school programming to local youth. The second-biggest grant, $60,000, was awarded to On Point for College to support college-bound students with comprehensive support that includes the college-application process, college visits, and needed resources to ensure their success.
The Shineman Foundation also awarded several grants to support the arts community in Oswego County. The CNY Community Arts Center received a grant to revamp its website and develop a user-friendly online registration system. The Ontario Center for the Performing Arts, which operates the Oswego Music Hall, was awarded a grant to conduct targeted marketing with the goal of increasing its membership and audience. Symphoria received a multi-year grant to expand its Music for Oswego programming throughout Oswego County.
The Central New York Lyme and Tick-Borne Disease Alliance was awarded a disease-prevention education outreach grant for Oswego County services and programming. David’s Refuge was provided a grant to support respite, wellness, and community programming for Oswego County residents. The H. Lee White Museum received a matching grant to support its educational tall ship project.
Three mini-grants were awarded and included a mini-grant to Oswego Industries to support a redesign of its website. The State Street Methodist Church was awarded a mini grant for its Helping Hands Program, which provides under-resourced community members with toiletries and paper products. Peaceful Remedies received a mini grant to support Circle Talk for Men programming and technology upgrades.

Rome Health continues work to centralize, modernize facilities
ROME, N.Y. — Rome Health is continuing the transformation it began about two years ago when it changed its name from Rome Memorial Hospital to Rome Health. The name more accurately reflects the breadth of services the organization provides, COO Ryan Thompson says, and Rome Health continues to work to make sure its facilities adequately
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ROME, N.Y. — Rome Health is continuing the transformation it began about two years ago when it changed its name from Rome Memorial Hospital to Rome Health.
The name more accurately reflects the breadth of services the organization provides, COO Ryan Thompson says, and Rome Health continues to work to make sure its facilities adequately support those services.
“It’s very exciting to watch us transform as a health system,” he says.
That transformation kicked off with an $11.3 million project, completed last November, to renovate the Rome Health Medical Center, located at 1500 James St., and bring together services that were previously spread out.
“We’ve co-located services together,” Thompson says. “This is where the majority of medical imaging takes place.” The 31,000-square-foot, two-story medical center gives patients better access to primary care with other services, such as cardiology, located nearby.
“We also have our community pharmacy … right in the medical center,” he adds. The pharmacy also opened last November. Along with providing medication for hospital patients, the pharmacy provides a convenient option for patients to get prescriptions filled following an appointment.
The changes are all about driving convenience for the patient, Thompson notes, but also factor in provider and staff needs as well. “It was a team that built it together.”
Rome Health also just cut the ribbon on its new women’s surgical services suite located on the fourth floor adjacent to the maternity department. While maternity services have been great, there was no getting around the fact that women who ended up needing a c-section had to be brought in an elevator to the first-floor operating rooms, Thompson says.
Now, those needing surgery travel just a short way down the hall. “It’s going to be a much better experience for the moms,” he says.

Rome Health received a $3 million grant from Oneida County’s American Rescue Plan Act funding for the project. Work on the women’s surgical suite began last September and it will be fully open in June.
This fall, Rome Health expects to break ground on a $30 million project to build four new operating rooms to replace ones that have been in use for more than 57 years. It will use $26 million in state health care facility transformation grant funds for the project.
“We just wanted to modernize surgical services,” Thompson says. The new rooms will be larger and contain the electrical systems necessary for advancements in medical technology such as robotics.
With surgical volume increasing 26 percent between 2020 and 2021, the need is great. The hospital has seen growth in general surgery as well as weight-loss surgery, and spine surgery. “We’re currently in the design phase,” Thompson says, with hopes to start work in late fall.
When the new operating rooms are complete, Rome Health will transform the old operating rooms into pre- and post-operating room space.
“As things continue to evolve and change, you want to be able to evolve and change with that,” Thompson says. Modernizing Rome Health’s facilities to offer new technology means Rome residents won’t have to travel to Utica or Syracuse to receive care. “We’re redefining what community-based health care is to our community.”
“People want and need their health care to be delivered locally,” he says. “It needs to be convenient to them.”
The nonprofit Rome Health provides everything from primary care to specialty care to patients. It is an affiliate of St. Joseph’s Health and an affiliated clinical site of New York Medical College.

Whitman School to launch business and mental-health initiative with donation
SYRACUSE, N.Y. — Syracuse University’s Martin J. Whitman School of Management this fall will start a new program that seeks to support students’ personal and professional development “at the intersection of business and mental health.” Syracuse is using a donation of $500,000 from 1991 graduates David and Dina Nass. David Nass is a graduate of
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SYRACUSE, N.Y. — Syracuse University’s Martin J. Whitman School of Management this fall will start a new program that seeks to support students’ personal and professional development “at the intersection of business and mental health.”
Syracuse is using a donation of $500,000 from 1991 graduates David and Dina Nass. David Nass is a graduate of the Whitman School and Dina graduated from Syracuse’s College of Arts and Sciences.
The program aims to help students develop the tools and skills needed to address mental health-related issues they might face in school and as working professionals, “while also promoting greater work-life balance,” the school said.
The hope is that this programming will help students entering “high-stress” business careers to “confidently identify red flags” associated with mental health and to seek help for themselves and others.
“This kind of support for mental health-related issues is something we haven’t seen at many other business schools, despite it being increasingly important for young professionals to understand,” Alexander McKelvie, interim dean of the Whitman School, said in a news release. “The programming we are creating through the generosity of the Nass family is forward-thinking and rare. It’s asking our students: ‘What does happiness look like to you?,’ ‘How will you prioritize the important things in your life?’ and ‘How will you deal with the challenges?’”
McKelvie went on say, “Creating this signature initiative, which will leverage expertise from across campus, will help students do just that. And, we are very grateful to the Nass family for helping the Whitman School make this possible.”
As managing director and head of real-estate finance at UBS Investment Bank in New York City, David Nass “knows all too well the stresses and long hours involved in rising through the banking industry,” Syracuse said. Dina Nass — who majored in psychology and for a time worked as a substance-abuse counselor — also “understands the pressures and stigma attached” to mental-health issues in the workplace.
The initiative will encompass more than coursework and include expert guest speakers, symposiums, technology, and the introduction of a variety of mental-health topics for both graduate and undergraduate students.
Syracuse University will hold a formal launch event early this upcoming fall semester.

Oswego Health adds gastroenterologist Ali
OSWEGO, N.Y. — Oswego Health recently added experienced gastroenterologist Mohammad Fahad Ali, MD, to its medical staff. Dr. Ali joins the Center for Gastroenterology & Metabolic Diseases, which is located in Suite 400 of the Seneca Hill Health Services Center at 105 County Route 45A, Oswego. In addition, Ali will serve as director of endoscopy
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OSWEGO, N.Y. — Oswego Health recently added experienced gastroenterologist Mohammad Fahad Ali, MD, to its medical staff.
Dr. Ali joins the Center for Gastroenterology & Metabolic Diseases, which is located in Suite 400 of the Seneca Hill Health Services Center at 105 County Route 45A, Oswego. In addition, Ali will serve as director of endoscopy and associate medical director of gastroenterology.
Dr. Ali has experience treating a variety of gastroenterology diseases and has a special interest in GI motility and inflammatory bowel disease (IBD), according to an Oswego Health news release. Prior to joining Oswego Health, Ali worked at the Guthrie Cortland Medical Center, where he served as the chair of the Department of Medicine and the chief of endoscopy since 2021.
Earning his medical degree at SUNY Stony Brook University of Medicine in 2012, Ali completed his post-graduate training along with chief residency and fellowship at the New York University Langone Hospital in Long Island. He served as a trainee in the GI Motility Laboratory of Temple University Lewis Katz School of Medicine in Philadelphia. Ali earned his bachelor’s degree in biological sciences from Columbia University in 2006.

Upstate to be extension campus of SUNY College of Optometry
SYRACUSE, N.Y. — It’s an effort by two SUNY campuses to increase the number of eye doctors in Central New York and Western New York. SUNY Upstate Medical University is planning to become an optometry campus extension program of the SUNY College of Optometry in New York City. The partnership creates an optometry campus extension
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SYRACUSE, N.Y. — It’s an effort by two SUNY campuses to increase the number of eye doctors in Central New York and Western New York.
SUNY Upstate Medical University is planning to become an optometry campus extension program of the SUNY College of Optometry in New York City.
The partnership creates an optometry campus extension program offering a Doctor of Optometry degree, collaborative vision research, access to eye care, and economic opportunities in the region, Upstate said in its late February announcement.
This partnership also “provides a more affordable option for aspiring eye-care professionals, especially those who live in New York State,” Upstate contends.
The program will “parallel” the Doctor of Optometry program currently offered by SUNY College of Optometry. The first class is anticipated to start in the fall of 2025 with an estimated 30 students, pending successful completion of all state and accrediting body approvals, Upstate said.
“We are addressing several critical issues through this partnership — the future of health care delivery with an interdisciplinary focus, collaborative research opportunities to improve eye and vision care, and the regional workforce shortage,” Dr. David Heath, president for SUNY College of Optometry, said. “Being part of the SUNY System provides unique opportunities to participate in solving challenges and we are looking forward to partnering with Dr. Dewan and his team to provide a greater resource for the upstate region.”
Reports from area optometrists and ophthalmologists indicate that many eye-care positions remain vacant “putting pressure on an already lean workforce” and leaving some communities without ready access to eye and vision care, Upstate said.
Further, a recent survey conducted by SUNY College of Optometry found that 25 percent of optometrists practicing in the region anticipate retiring within the next five years, an increase over the previous survey conducted in 2010.
“We are delighted to bring the world-class expertise of SUNY Optometry to enrich Upstate’s internationally-recognized Department of Ophthalmology and Center for Vision Research. By serving as their extension campus, we will increase the number of eye care professionals available to serve our communities,” Dr. Mantosh Dewan, president of Upstate Medical University, said. “This also fulfills Upstate’s goal to deepen partnerships with other SUNY schools and to increase the breadth of health professional programs offered by Upstate Medical University.”

Landsberg begins role as Crouse Health chief medical officer
SYRACUSE, N.Y. — Described as a “long-time member” of the Crouse Health staff, Dr. David Landsberg is now serving as the health-care provider’s chief medical officer. He assumes the duties that Dr. Seth Kronenberg previously performed, prior to his appointment as president and CEO of the health system. In this senior leadership role, Landsberg will
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SYRACUSE, N.Y. — Described as a “long-time member” of the Crouse Health staff, Dr. David Landsberg is now serving as the health-care provider’s chief medical officer.
He assumes the duties that Dr. Seth Kronenberg previously performed, prior to his appointment as president and CEO of the health system.
In this senior leadership role, Landsberg will provide clinical leadership for Crouse Health and will work with Crouse’s medical staff. Landsberg will also oversee the quality improvement department and medical affairs, the organization said in its April 24 announcement.
Landsberg most recently has served as chief of medicine, a position he has held since 2012. From 2018-2020, he served as immediate past-president of the medical staff, and was president of the medical staff from 2016-2018, Crouse said.
Landsberg currently serves as an intensivist and intensive-care unit (ICU) director at Crouse, as well as site director for Upstate Medical University’s internal-medicine residency program.
“I am proud to appoint Dr. Landsberg to this important leadership position. He is well-respected, a proven leader among his peers and colleagues and is recognized for his strong ethics and professional standards,” Kronenberg, the Crouse Health CEO, said in a statement.
Landsberg received his medical degree from Saba University School of Medicine and completed residencies at Mount Sinai School of Medicine and Critical Care Fellowships from Memorial Sloan Kettering Hospital and New York Presbyterian Hospital – Cornell Medical College.
Landsberg currently serves as professor of medicine and emergency medicine at Upstate Medical University. He is also director of adult critical care and ECMO programs at Crouse and is medical director of the Finger Lakes Donor Recovery Network. Additionally, Landsberg serves as deputy coordinator for Onondaga County Emergency Management.

Bassett selected for skin-cancer treatment clinical trial
COOPERSTOWN, N.Y. — Bassett Healthcare Network has been selected as a clinical-trial site for Alpha DaRT, an investigational treatment for recurrent skin cancers. Bassett Cancer Institute received regulatory approval to conduct the trial. “We are proud to be chosen as the first clinical-trial site for Alpha DaRT statewide outside of New York City,” Dr. Timothy
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COOPERSTOWN, N.Y. — Bassett Healthcare Network has been selected as a clinical-trial site for Alpha DaRT, an investigational treatment for recurrent skin cancers.
Bassett Cancer Institute received regulatory approval to conduct the trial.
“We are proud to be chosen as the first clinical-trial site for Alpha DaRT statewide outside of New York City,” Dr. Timothy Korytko, Bassett Healthcare Network chief radiation oncologist, said in a news release. “Bassett Cancer Institute’s full team of nationally accredited medical, radiation, and surgical oncologists, as well as oncology-certified registered nurses, provide the highest standard of care to our patients in Central New York state and beyond.”
Alpha DaRT delivers a highly potent radiation treatment for solid cancer tumors. This differs from local radiation therapy, a mainstay of cancer therapy, which is most limited to modalities using beta or gamma emissions. Alpha DaRT uses alpha particles directly inserted into solid cancer tumors, providing an option to kill cancerous cells without damaging surrounding health tissue.
“Bassett is constantly evolving to meet the changing needs of the people and the region we serve,” Bassett President/CEO Dr. Tommy Ibrahim said. “Bringing advanced care to our rural communities is central to our mission. We are honored to join an esteemed group of healthcare institutions nationwide as a clinical-trial site for a promising treatment option.”
Bassett recently began offering radiopharmaceutical treatments with Lutathera, a radiation therapy for neuroendocrine cancer, and Pluvicto, a treatment for metastatic prostate cancer.
Bassett Healthcare Network operates five hospitals, more than two dozen community-based health centers, 21 school-based health centers, and two skilled-nursing facilities to serve a 5,600-square-mile region of upstate New York.

Health Foundation awards $75K grants to six rural health networks
“Rural health networks are the backbone of community health across much of New York State, relying on their collective strength to effectively meet the needs of the people they serve. Even as they carry out that important work, they have faced highly disruptive reductions in funding over the past several years,” Cheryl Smith Fisher, chair
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“Rural health networks are the backbone of community health across much of New York State, relying on their collective strength to effectively meet the needs of the people they serve. Even as they carry out that important work, they have faced highly disruptive reductions in funding over the past several years,” Cheryl Smith Fisher, chair of the board of trustees of the Health Foundation for Western & Central New York, said. “As part of a group of foundations whose focus areas include rural communities that were provided generous gifts by MacKenzie Scott in 2022, we wanted our first action with these funds to reflect her approach of unrestricted, trust-based giving.”
Rural health networks
Rural health networks are collaboratives of community-based organizations and health-care providers addressing the needs of people in rural communities, as described by the Health Foundation. These networks build on cross-organizational strengths to provide health and social-care services in areas that often “suffer” from health-care provider and facility shortages, underfunded programs, and other resource challenges.
Some examples of the work led by the grant recipients include addressing maternal health needs of migrant farm workers, assisting families victimized by child abuse, providing housing to older adults and respite to caregivers, and keeping infants safe by training the public on safe sleep.
Over the past several years, rural health networks in New York have had a “sharp decline” in public funding, even as they faced additional community health needs resulting from the COVID-19 pandemic, the Health Foundation said. In 2016, rural health programs were allocated $16.2 million. Since then, the executive budget has “repeatedly reduced” funding to these programs to $9.4 million.
These funding cuts “create serious challenges” for rural health networks as they work to improve the lives of the people they serve and meet community-wide health equity goals, the foundation stated.
CNY report
The Health Foundation’s 2022 report Community Health Needs and Opportunities in WNY’s Southern Tier highlighted “systemic barriers” to good health in Allegany, Cattaraugus, and Chautauqua counties. “Social determinants” of health — such as transportation challenges, lack of health insurance, poverty, and food insecurity — are drivers of health outcomes in those regions.
As a complement to that report, the Health Foundation will also fund a report of community health needs in rural Central New York. It’ll use the remaining $50,000 of the dedicated $500,000 for this report and for a public-awareness campaign that tells the story of the personal impact of rural health disparities. The goal of this work is to “influence and inform” public investments and policymaking around rural community health, the foundation said.
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