The soil stays wet because there is too much organic content to the potting soil. Both the peat and various composts included in this mix retain a considerable amount of moisture. Watering on a schedule (i.e., weekly/monthly) whether the plant requires it or not will definitely lead to problems.

I am not a huge fan of any of the MG products. And potting soil for containerized plants needs to follow some rather specific guidelines. Look for a potting 'soil' (really a soilless mix) that has minimal compost as an ingredient - it is very moisture retentive, really doesn't serve much purpose for indoor plants and it tends to compact over time, decreasing porosity and reducing drainage. It should not be soil based, but with peat or coir and a healthy percentage of bark fines and non-organic assists to drainage like perlite, pumice or high-fired clay particles (Turface). I'd avoid vermiculite as it has very similar characteristics to compost - it holds too much water then collapses over time when fully saturated. Make up your own if you can't find a suitable commercial mix.

Make sure the container is not too large for the rootball - generally no more than 1-2" greater than the rootball circumference. Larger tends to hold in more moisture than the roots need and will lead to problems. And contrary to common belief, adding a layer of gravel, stones or pot shards to the bottom of the container only serves to impede proper drainage rather than enhance it - it has to do with maintaining a uniform texture throughout the container as well as lifting the saturated zone up close to the roots. You may find it helpful doing some reading on the Container Gardening forum to educate yourself on these issues as well as tips for many good container soil recipes.

Water only when the soil becomes completely dry. Ficus benjamina develops large bulbous roots that are water storage organs and the plant is relatively drought tolerant as a result. And be sure to empty any saucers under the container after watering.

Also, keep away from drafts or any direct heat sources - ficus tend to be quite sensitive to both and will defoliate rapidly when exposed to either.

I will repot in a suitable asap. Unfortunately I live in an apartment with 3 north facing windows, all three under vents. I have it in the living room with the vent right above it sealed off. Also I should have noted that the new growth leaves are bright green and about 20% of them have curling brownish green edges that take over half the leaf. I have one of these moisture worms in the pot or watering indicators and its made from clay I think. The head of this worm that is sticking up out of the soil is covered in some sort of white mineral substance.. looks like salt.

Sound like over watering at some point. Sometimes once the roots start rotting its hard to stop and rotting roots won't use any water. I would change soil and prune off anything dead. No fertilizer. It just may have been from sitting in water a few days and you didn't notice. It will go into shock and may loose most of its leaves.But if you can pull it through you may get a plant thats acclimated to its situation.