Now is the time to do the math so you don’t lose the retirement benefits you could have started taking in January 2022, even if you don’t plan to stop working.
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The law eliminates the ability of a spouse to limit the scope of the application to spousal benefits at “full retirement age” if they were born after 1953.
After more than 40 years in the business, one thing I know for certain is that Social Security is complicated and the solutions for common problems aren’t always straightforward.
People have contributed hundreds of thousands of dollars to the Social Security trust funds but are unsure of the “what,” “when,” and “how” the system works.
You cannot visit Social Security Administration offices for an in-person interview. However, a lot can be handled online.
Both programs use the same disability definition: You must have a physical or mental condition that is expected to last at least 12 months or end in death.
It’s time to do some math so you don’t lose the retirement benefits you could have started taking in January 2021, even if you don’t plan to stop working.
Every adult over the age of 18 should create a “My Social Security” account and take care to keep their ID and passwords up to date, changing them annually.
As you read through the changes, pay particular attention to the Retirement Earnings Test Exempt Amounts.