DR. ED’S GUIDES & CALCULATORS
Big questions.
Clearer answers.
Social Security, Medicare, and benefits can feel complicated. Let’s make your next step a little easier.
Free guides to Social Security, Medicare, and benefits.
Find your free guideFree guides to read, save and share.
NOT SURE WHERE TO BEGIN?
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ONE QUESTION IS A GOOD PLACE TO START
What would you like help with?
Choose a guide to get started. After your first saved request, this browser can remember your access for up to 6 months.
Retiring soon
When should I start Social Security?
Understand the tradeoffs of claiming early, at full retirement age, or later.
Get the free guideWorking while getting Social Security
Understand the 2027 work-earnings rules for retirement, spouse and survivor benefits, with clear examples and printable worksheets.
Get the free guideCheck and correct your earnings record
Compare your Social Security earnings with your records, gather proof, and follow through on a correction.
Get the free guideRetirement withdrawals and your Social Security check
Understand which questions to ask about retirement-account withdrawals, Social Security and Medicare costs.
Get the free guideUnderstand your Social Security work credits
Learn what Social Security work credits are used for and which questions to ask about your own record.
Get the free guideMarried, divorced or widowed
Disability
Filing for Disability
Prepare an SSDI application, explain your limits, organize evidence and understand your next step.
Get the free guideWorking while receiving SSDI
Understand trial work, reporting earnings, and keeping Medicare while you work. For SSDI, not SSI.
Get the free guidePreparing for a medical disability review
Organize information for a Social Security Continuing Disability Review with a workbook and journal.
Get the free guideWhen SSDI Becomes Retirement
Learn what usually happens to SSDI at full retirement age, what changes about work, and what to check about your other benefits.
Get the free guideChecking SSI and SSDI back pay
Use your SSI and SSDI notices to prepare questions about back pay. The guide helps you check the calculation while protecting the appeal deadline in your notice.
Get the free guideMedicare
New to Medicare?
A starting point for turning 65 or otherwise becoming eligible: enrollment, coverage, and next steps.
Get the free guideMedicare Advantage vs. Medigap
Compare the two coverage paths, including doctors, costs, prescriptions, and switching rules.
Get the free guideChoosing a Medicare Advantage plan
Use the 2027 guide and worksheet to compare plans and check what matters to you.
Get the free guideVA Benefits, Medicare, SSI and SSDI
See how VA benefits fit with Medicare, SSI and SSDI, and learn which questions to ask before changing your health coverage.
Get the free guideMy Medicare Advantage plan is ending
Understand what your plan’s notice says and organize the information you need to compare replacement coverage.
Get the free guideMy Medicare drug plan costs more
Compare Medicare drug plans using your medicines and pharmacy. This one-page worksheet helps you look beyond the monthly premium.
Get the free guideWhy is my Medicare premium so high?
Understand the income-related charge that can raise Medicare premiums, and prepare questions about a charge on your notice.
Get the free guideMoney is tight
Your 2027 Benefits Checklist
Find the help worth asking about, open the guide that fits your life, and choose one next step.
Get the free guideMedicaid & Medicare Savings Programs
Four lessons on Medicaid and Medicare Savings Programs (MSPs): apply, follow through, renew coverage, and understand work rules and exemptions.
Get the free guideGetting paid to care for a loved one
Learn how Medicaid may pay an approved family caregiver, what varies by state, and how to start the process.
Get the free guideSSI in 2026
Understand who may qualify, what income and savings Social Security counts, and how your living arrangements can affect your SSI.
Get the free guideReporting cash and savings on SSI
Organize cash gifts, work earnings and savings for an SSI report. The guide explains what to record and what to ask Social Security.
Get the free guideRespond to a Social Security overpayment
Read an overpayment notice and organize your next step. The guide separates questions about the decision from questions about repayment.
Get the free guideFacts and changes
The Big Beautiful Bill & your benefits
Get a plain-language look at benefit changes and the questions to check for your situation.
Get the free guide18 myths about Social Security
Get clear answers to common Social Security claims, short replies you can share, and official sources you can check.
Get the free guideSocial Security Fairness Act Guide
Understand who the repeal affects, what to check about your benefits, and why Dr. Ed believes Congress chose the wrong fix.
Get the free guideYou’ll see the email permission before you submit. Reading another guide with saved access does not send another email.
FREE INTERACTIVE CALCULATORS · NO EMAIL REQUIRED
Try the numbers
Start with a question, enter your numbers, and see what changes. These tools help you explore your options.
COLA + Medicare
See how a benefit increase and a change in your Part B premium affect your check.
Try the calculator Free calculatorRetirement break-even
Compare two claiming ages and see when the total benefits from waiting catch up.
Try the calculator Free calculatorSocial Security taxes
Estimate the portion of your benefits that may be taxable, not your tax bill.
Try the calculator Free calculatorIRMAA premiums
Explore higher Medicare premiums and how income from two years earlier can affect what you pay.
Try the calculatorGOOD INFORMATION IS WORTH SHARING
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