66 or Older?

January 23rd, 2020 (No Comments)

It is funny how this business goes – totally cyclical.  People think about their Social Security and retirement at weird times.  Since we handle clients all over the U.S. it has been interesting to watch.  Examples are after hurricanes we see clients come from the Florida and Georgia area.  Off football weekends in Mississippi, folks […]

Don’t Assume – Part 2

January 16th, 2020 (No Comments)

Funny thing happened about a month ago – one of our clients was going to file for her Social Security benefit and I told her to take her marriage certificate in case they asked for it – sometimes they do, sometimes they don’t.  Anyway, in the process of trying to locate this document, she found […]

Don’t Assume – Part 1

January 10th, 2020 (No Comments)

As a Social Security Advisor, you get tired of the word DEPENDS – that is because there are so many rules for this benefit that most of the time IT DEPENDS.  We thought the best way to dig into some of these rules was to give you a handful of the more common ones; hopefully […]

Confusion About Divorced Benefits

January 3rd, 2020 (No Comments)

If you were married 10 years or longer, are currently single, having been divorced for two years, were born on or before January 1, 1954 and have not filed for your Social Security benefit, this article is about you and for you. Divorced spouses, if they fall into the category above, have more claiming options […]

Start 2020 Thinking About Social Security Issues and Options

January 1st, 2020 (No Comments)

The month of December for most of us is immersed in celebrations, pageant’s, football, parades, writing and mailing Christmas cards, decorating, cooking, parties and family.  We are all over the top BUSY – BUSY and actually anticipate the colder, slower month of January to simply re-load.  Don’t get me wrong, we all love Christmas and […]

Minimum Widow Benefits

April 5th, 2018 (No Comments)

Widow benefits are indeed complex and have options available that other benefits do not. With that being said, we will try and explain some of these additional options. First of all, widow/widower benefits (Survivor benefits) are available at age 60 or 50 if disabled; other benefits start at age 62. If you start drawing these […]

Currently Insured Status

March 25th, 2018 (No Comments)

There is a special rule for those who do not meet the requirements for “Fully Insured Status” and it is called “Currently Insured Status”. It can be considered a backup that gives only partial protection for your family. If you are “currently insured”, there are only two types of survivors that can be paid your […]

Situational Social Security

March 20th, 2018 (No Comments)

Social Security is available at age 62 for all those that have earned this benefit. But, the age at which you claim can make a huge difference in your financial health during those remaining retirement years. Every situation is different – everyone has a unique earnings history, everyone needs or wants to retire for different […]

Mama Stayed at Home to Raise the Kids

March 10th, 2018 (No Comments)

You would be surprised the number of couples we see where the Mom did not work, or barely worked, and does not know if there are any options available regarding Social Security. If married and your husband qualifies for benefits, yes you do. Many rules and regulations to wade through but don’t lose heart! I […]

Social Security Inspector General’s Audit

February 19th, 2018 (No Comments)

On Valentine’s Day, the audit report from the Social Security Inspector General’s office was released – this audit was regarding internal controls about informing widows and widowers concerning their benefit options. The report found that 82% of current beneficiaries who are entitled to two benefits, were not informed of their options that would have resulted […]

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