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In defense of Social Security

The newswaves at times seem saturated by pessimistic reports of Social Security’s lack of long-term viability, and survey results appearing in a variety of places support that many younger workers do not expect to benefit from the program in their…

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Medicare premium hikes and the “hold harmless” provision–an explanation

As the planning for 2016 unfolds, and as the likelihood of a zero COLA for Social Security recipients sinks in, attention is being focused on what could be a major increase in Medicare premiums for an estimated 15 million seniors.…

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Rubio in Myrtle Beach, advocates reasonable changes to Social Security

Presidential hopeful Marco Rubio’s campaign visited Myrtle Beach Friday, discussing many of the main aspects of his political platform. During a breakfast speech, he touched on Social Security, suggesting potential modifications that he characterized as “not outrageous and unreasonable changes.”…

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AMAC President Airs Thoughts on Early Retirement Account and More

Association of Mature American Citizens (AMAC) Founder and President Dan Weber appeared today on David Holland’s “Real Money Radio” program, discussing a series of issues currently active on the Association’s agenda. Leading off with an explanation of the Early Retirement…

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CBPP provides additional insights on Social Security Trustees’ Report

The Center on Budget and Policy Priorities (CBPP) provides an analysis of the 2015 Social Security Trustees’ Report, with comments on key points from the report and thoughts on what direction Congress needs to do to achieve solvency in a…

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Q & A View More Answers »

“I am two years older than my wife and the higher lifetime earner. Our Social Security plan is for me to delay my benefits but take spousal benefits when my wife reaches full retirement age (FRA) in three years, then switch to mine at age 70. Because my wife is 63 and wants to start her benefits, how will her start of benefits affect the spousal benefit I will receive? I think I will receive 50% of her FRA amount, but if she starts early, will it be 50% of that lower amount?”

Answer: Congratulations on discovering a great strategy for you both, says Andy Landis, president of Thinking Retirement in Seattle and author of Social Security: The Inside Story, 2014 Edition: An Expert Explains Your Rights and Benefits. If you file for your spousal…

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