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3 Reasons You May Get Stuck With a Smaller Social Security Benefit

Maurie Backman warns readers that they may get a permanently reduced monthly Social Security benefit for life if they do three things. First, failing to work 35 years means less than otherwise, as “zeros” are factored into the calculation. Second, taking benefits before full retirement age (now 67 for most) reduces benefits by up to 30%. Third, you’re only entitled to a miserly spousal benefit because you failed to accumulate enough work credits (10 years). Full article here.

The AMAC Foundation offers a free-to-the-public advisory service to all folks ageing into–or already in–Social Security. This service provides guidance in understanding the complexities of Social Security and the myriad rules and regulations associated with the process for claiming benefits, with NSSA-Certified Social Security Advisors available via email or telephone to discuss options. Learn more about this service via the Foundation’s website.

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