Why is my Social Security Check LESS than Expected?

February 25th, 2017 (No Comments)

We get phone calls quite frequently from people wanting to know why their Social Security check is less than expected; there are several possible reasons: If you opted to take your benefit before your Full Retirement Age there will be a reduction to your benefit amount. Mind you, this is for life! Could be as […]

What in the World is AIME?

February 5th, 2017 (No Comments)

During our seminars, we try to explain AIME to our attendees. It is quite complicated, so very hard to explain in few short minutes. AIME stands for Averaged Indexed Monthly Earnings. So that the Social Security Administration can determine your PIA (Primary Insurance Amount), 35 top years of earnings are needed to compute the AIME. […]

Checkin’ it Twice

January 25th, 2017 (No Comments)

People often ask why Roy and I are helping people with their Social Security decisions. It is an easy answer….as we were approaching our own retirement, we started to get things in order (why we suggest clients to contact us 2 years prior to retirement). We visited our local SS office and quickly realized that […]

Bucket of Choices

January 14th, 2017 (No Comments)

Life is a bucket of choices….some are easy, some not so much. But we all must take more seriously choices that will have a lifetime of consequences. Agreed? Well, that is what you are looking at when you decide on your Social Security benefit…. basically, a permanent decision. We are going to share with you […]

Did You Know, Did You Know, Did You Know?

January 10th, 2017 (No Comments)

Roy and I read probably 10 news articles a day and listen to several webinars a week to keep up to date with news in the Social Security world. Social Security laws are very complicated and we owe it to our readers to keep up to date. We would like to caution you about the […]

Can I Ever Get the Maximum Benefit from Social Security?

January 6th, 2017 (No Comments)

Did you know that 61% of Social Security retirement benefit recipients receive at least half of their income from Social Security? And, 33% of beneficiaries rely on Social Security for 90% or more of their income. With that being said, how can I get the most from my Social Security benefit? In 2017, the maximum […]

2016 Year-End Housekeeping for Social Security

December 30th, 2016 (No Comments)

As we wind up 2016, there are several items you might want to look at with regard to Social Security: Check for errors in your Social Security statements – in 2016 the SSA processed 92,000 complaints about mistakes found in Social Security statements. Officially, you have to correct errors within 3 years, 3 months and […]

Retirement Benefits and Disability Benefits

December 20th, 2016 (No Comments)

What exactly are disability benefits? Disability benefits are paid to people who cannot work because they have a medical condition that is expected to last at least one year or result in death. There are two earnings tests before qualifying: a recent work test, based on the your age at the time you became disabled, […]


November 28th, 2016 (No Comments)

Women currently represent more than half of all Social Security beneficiaries age 62 and older and two-thirds of all beneficiaries over the age of 85. Because women usually live longer, and because they are more likely to live alone due to widowhood or divorce, they need to pay special attention to the rules and regulations […]


November 20th, 2016 (No Comments)

Some good news to share about Social Security and Medicare: Earnings Limitations in 2017 will increase from $15,720 to $16,920 annually or $1410 per month. In the year you turn Full Retirement Age, Earnings Limitations increase from $41,880 to $44,880 or $3740 per month. The maximum SS benefit in 2017 rises to $2687. Medicare will […]