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A Realistic Look at the “Maximizing Social Security” Incentive

In a post on, nationally syndicated former SSA analyst Tom Margenau takes a look at the popular notion that there exists a secret way of getting the highest possible payout from their earned Social Security benefit. As he points out, the “secret” isn’t a secret at all…it’s merely the fundamental act of waiting as long as you can to claim your benefit. In other words, what this means is avoiding (if you can) taking benefits before your full retirement age, and waiting beyond your full retirement age (as long as age 70) to sign up. It’s really pretty simple and straightforward. Check out Margenau’s post for more background on the issue.


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