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social security

Social Security Insights: Can you still file a “Restricted Application?”

August 8, 2019
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Written by Matt Boelter, Financial Advisor & Shareholder Choosing the wrong time to pull Social Security benefits can cost you hundreds of thousands of dollars over your lifetime.  On November 2nd, 2015, new Social Security rules were signed into law that ended what was known as the “restricted application.”  However, if you were born before…

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The Fundamentals of Disability Insurance

August 7, 2017
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Disability insurance pays benefits when you are unable to earn a living because you are sick or injured. Most disability policies pay you a benefit that replaces a percentage of your earned income when you can’t work. Why would you need disability insurance? Your chances of being disabled for longer than three months are much…

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Social Security's looming $32 trillion shortfall

August 10, 2016

Originally posted on CNBC – we thought this was a very relevant topic. —————————————————————- You can look at the financial health of Social Security in many ways. The official version, found in the Social Security and Medicare Boards of Trustees’ annual report, is this: Social Security’s total income is projected to exceed its total cost…

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I'm getting remarried. How will this affect my Social Security benefits?

July 25, 2016

If you’re receiving benefits based on your own work record, your benefits will continue. If you’re receiving spousal benefits based on your former spouse’s work record, those benefits will generally end upon your getting remarried, but you may be able to receive benefits based on your new spouse’s work record, or on your own. If…

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Social Security Retirement Benefit Basics

February 12, 2016

Social Security benefits are a major source of retirement income for most people. Your Social Security retirement benefit is based on the number of years you’ve been working and the amount you’ve earned. When you begin taking Social Security benefits also greatly affects the size of your benefit. How do you qualify for retirement benefits?…

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Key Numbers 2016

January 5, 2016
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Social Security Retirement Income: a Primer

December 18, 2015

What role does Social Security play in your retirement income strategy? As you near retirement, it’s likely you’ll have many questions about Social Security. How much will your retirement benefit be? When should you apply? Will earnings from a part-time job affect your benefit? Social Security has always been a major source of income for…

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Five Questions and Answers about New Social Security Claiming Rules

December 9, 2015

When Congress unexpectedly eliminated two Social Security claiming strategies as part of the Bipartisan Budget Act of 2015, retirement planning got a little more complicated for people who expected to use those strategies to boost their retirement income. Here are some questions and answers that could help if you are wondering how the new rules…

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Understanding Social Security

October 5, 2015

Over 63 million people today receive some form of Social Security benefits. (Source: Fast Facts & Figures About Social Security, 2014) But Social Security is more than just a retirement program. Its scope has expanded to include other benefits as well, such as disability, family, and survivor’s benefits. How does Social Security work? The Social…

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Evaluating an Early Retirement Offer

October 2, 2015

In today’s corporate environment, cost cutting, restructuring, and downsizing are the norm, and many employers are offering their employees early retirement packages. But how do you know if the seemingly attractive offer you’ve received is a good one? By evaluating it carefully to make sure that the offer fits your needs. What’s the severance package?…

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