Seniors Born Before 1965 — Don't Pay These 5 Bills! You're Legally Exempt (Most Don't Know)

📕 CLAIM WHAT'S YOURS — The Senior Benefits Playbook (2026 U.S. Edition) Every form, phone number, and script to claim your benefits: https://james-carter-playbook.netlify.app If you're on Social Security or Medicare right now, this could save you hundreds — even thousands — of dollars every single year. In this video I break down 5 bills millions of seniors are legally exempt from paying in full: the Medicare Part B premium, prescription drug costs through Extra Help, heating and cooling bills through LIHEAP, the IRMAA Medicare surcharge (and how to appeal it with Form SSA-44), and senior property tax exemptions. None of these programs come looking for you — you have to know they exist and apply. I walk through exactly who qualifies, what the real numbers look like, and what to do about each one today. ⚠️ This is general education, not personal legal or tax advice. Rules vary by state and income — confirm your situation with your county, your state Medicaid office, the Social Security Administration, or a licensed professional. If this helped you, send it to a parent, neighbor, or friend on Medicare or Social Security — one phone call could change their financial situation for years. 👍 Subscribe and turn on notifications — Medicare and Social Security rules change every year, and I break it all down in plain English before it's too late to act.If you're on Social Security or Medicare right now, this could save you hundreds — even thousands — of dollars every single year. In this video I break down 5 bills millions of seniors are legally exempt from paying in full: the Medicare Part B premium, prescription drug costs through Extra Help, heating and cooling bills through LIHEAP, the IRMAA Medicare surcharge (and how to appeal it with Form SSA-44), and senior property tax exemptions. None of these programs come looking for you — you have to know they exist and apply. I walk through exactly who qualifies, what the real numbers look like, and what to do about each one today. ⚠️ This is general education, not personal legal or tax advice. Rules vary by state and income — confirm your situation with your county, your state Medicaid office, the Social Security Administration, or a licensed professional. If this helped you, send it to a parent, neighbor, or friend on Medicare or Social Security — one phone call could change their financial situation for years. 👍 Subscribe and turn on notifications — Medicare and Social Security rules change every year, and I break it all down in plain English before it's too late to act. Hashtags: #SeniorBenefits #Medicare2026 #SocialSecurity #IRMAA #PropertyTaxExemption #ExtraHelp #LIHEAP #RetirementTips #MedicareSavingsProgram #MichaelHayesFinance