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Avoid Shrinking Your Social Security Check
Christy Bieber notes that Social Security is the most important source of income for retirees, and thus one should not make this mistake that will permanently reduce monthly benefit checks for life– failing to work the maximum years. Social Security bases benefits on one’s highest 35 years of income. Working less than 35 years means a zero is factored into the calculation. Each zero further reduces benefits. Bieber’s full article, that includes an explanation of replacing low income years with high income years is 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.