Displaying 29 results
INmail: Delaying Social Security protects the younger spouse
To maximize benefits over the couple’s joint lifetimes, claiming her Social Security benefits early will likely result in the largest payout.
INmail: How to switch from spousal to retirement benefits online
One of the silver linings of the pandemic is the Social Security Administration has made it easier to conduct business online and over the phone.
INmail: Social Security wants its money back
When a family member dies, the Social Security office will often ask for the last check back.
INmail: When to claim survivor benefits
If the goal is to collect the largest possible survivor benefit, wait until full retirement age to claim it.
INmail: Social Security rules for divorced spouses
Can a divorced person still collect Social Security benefits on an ex’s earnings record?
INmail: Nonworking spouse must wait for husband
A nonworking wife with no Social Security benefits of her own cannot collect on her husband’s earnings record until he files for his Social Security benefit.
INmail: Remarriage rules for survivors
If your client is entitled to Social Security on her own earnings record, she may want to collect reduced retirement benefits at age 62.
INmail: Earnings after age 66 may increase Social Security benefits
Social Security benefits are typically calculated using your highest 35 years of indexed earnings.
INmail: When lump-sum payouts make sense
Requesting a lump payout can make sense for some people.
INmail: Is your clients’ MAGI information up to date?
The IRMAA surcharges outlined in notification letters apply only to 2021 Medicare premiums based on 2019 tax returns.
INmail: Don’t wait beyond 70 to claim Social Security
There is no value to delaying Social Security beyond age 70 since delayed retirement credits end then.
INmail: Unusual rules regarding survivors benefits
Full retirement age for survivor benefits may be different than for retirement benefits depending on the birth year.
INmail: When to claim survivor benefits
Survivor benefits are worth the maximum amount if they are collected at full retirement age.
INmail: The best month to start Social Security benefits
There is a different rule for people who claim Social Security benefits before full retirement age.
INmail: Social Security do-over options
Someone who has been collecting Social Security for more than a year can't stop her benefits now, but she might be able to in the future.
INmail: Birthdate foils ex-spouse’s Social Security claiming strategy
Only people born on or before Jan. 1, 1954, have the right to file a restricted claim for spousal benefits.
INmail: Divorce and Social Security offset rules
if you receive a pension from a government job, including public school teachers in about a dozen states, your Social Security benefits may be reduced.
INmail: Increase in grandson’s dependent benefit should be automatic
The grandson is entitled to dependent benefits until he turns 18 or 19 if he is still in high school.
INmail: Step-up to larger spousal benefit is automatic
Although retirement benefits earn delayed credits for every year a worker postpones claiming them up until age 70, spousal benefits do not.
INmail: Claiming early nixes switching to spousal benefits
Unfortunately, clients can’t switch to a spousal benefit and allow their own retirement benefit to continue to grow until 70 for a few reasons.
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