epub Social Security Demystified: Smarter Claiming Decisions (English Edition)
por Matt Maresch
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Descrição do livro
When you claim Social Security can change your lifetime retirement income by tens of thousands of dollars. That makes your claiming decision one of the most important choices you may make in retirement. Social Security rules can be confusing, and understanding one rule is rarely enough. Your decision may involve your age, work history, spouse, former spouse, survivor benefits, earnings, taxes, Medicare, and other retirement income. Social Security Demystified: Smarter Claiming Decisions is a plain-English guide to understanding how Social Security benefits work and how to choose a claiming strategy based on your complete retirement picture, not just the size of your monthly check. Inside you will learn how to: • Understand how Social Security retirement benefits are calculated This is not a rulebook you need to memorize. It is a decision book. More than 60 case studies show how Social Security rules work in real-life situations involving singles, married couples, divorced spouses, surviving spouses, families, and retirees with different income and work histories. Whether you are approaching retirement, already receiving benefits, or helping a parent or spouse make a Social Security decision, this book is designed to help you ask better questions, understand your options, and make a smarter claiming decision. Matt Maresch, NSSA®, CLTC®, has worked in financial services since 2002, helping individuals and families navigate retirement planning decisions.
• Compare claiming early, at Full Retirement Age, or later
• Understand how delayed retirement credits can increase your benefit
• Coordinate Social Security benefits for married couples
• Navigate divorced-spouse benefits and survivor benefits for widows and widowers
• Understand how working while receiving Social Security can affect your benefits
• Evaluate taxes on Social Security benefits and Medicare-related issues, including IRMAA
• Understand Social Security Disability Insurance and how disability benefits interact with retirement benefits
• Avoid common claiming mistakes that can reduce your lifetime benefits
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