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Claiming Social Security Benefits at Age 70

Posted by Nina Whitehurst | Apr 04, 2022 | 0 Comments

The decision of how long to wait to claim Social Security benefits depends on a number of factors, including other income sources in retirement and projected longevity.  But Social Security experts advise waiting as long as possible to start collecting benefits, up to age 70. 

Your Duties as a Representative Payee for an Elder's Social Security Benefits

Posted by Nina Whitehurst | Oct 15, 2019 | 0 Comments

There often comes a time in a older adult's life when he or she cannot handle his or her finances any longer. The usual solution is to already have a general durable power of attorney in place that authorizes a trusted person (such as a healthy spouse or an adult child) to handle the elder's financial affairs in the event of incompetency or other disability. This is a sound strategy but, unfortunately, does not apply to management of Social Security benefits. This is because the Social Security Administration (SSA) simply does not honor powers of attorney and, because SSA is a federal agency, they do not concern themselves with state laws that require financial and other institutions to honor valid power of attorney.

Maximizing Social Security Survivor's Benefits

Posted by Nina Whitehurst | Jun 11, 2019 | 0 Comments

Social Security survivor's benefits provide a safety net to widows and widowers. But to get the most out of the benefit, you need to know the right time to claim.  While you can claim survivor's benefits as early as age 60, if you claim benefits before your full retirement age, your benefits w...

When Should You Begin Taking Social Security?

Posted by Nina Whitehurst | Mar 07, 2019 | 0 Comments

Social Security is likely to be very important to your retirement. But wait, the amount can vary. Figuring out when to begin taking Social Security can be a real challenge, because the time to begin filling your claim ranges from the age of 62 to 70, according to the Independent Record in “The...

The Wrong Benefit Is Likely to Be Smaller and Forever

Posted by Nina Whitehurst | Feb 20, 2019 | 0 Comments

Social Security options need to be approached carefully. Many people have been known to confuse “Restricted Application” with the “Claim and Suspend” strategy and that can cause some problems, according to Forbes in “Put Thousands In Your Pocket By Taking Advantage Of the Social Security...

Set Social Security Aside when Planning Retirement

Posted by Nina Whitehurst | Sep 20, 2018 | 0 Comments

What are the options with your benefits and what is the future of Social Security in general? There are many, many variables when determining Social Security benefits, so it is probably best to plan for your retirement and leave it as an unknown factor, according to The Motley Fool...

Retiring? 61 Is NOT the Magic Number

Posted by Nina Whitehurst | Aug 15, 2018 | 0 Comments

Social Security rules and regulations are the key to the magic retirement age. For some reason, many American have come to believe the magic number for retirement is 61 and they are wrong, according to The Motley Fool's article “Americans' Ideal Retirement Age–and Why It's Not Realistic.”

Social Security Is Not Going to Disappear

Posted by Nina Whitehurst | Jul 11, 2018 | 0 Comments

Opponents often claim that Social Security is going broke and will soon be bankrupt.  However, that isn't true. A recent government report is being used by opponents of Social Security and government spending, as ammunition to charge that if something is not done, then Social Security will...

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