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Be Realistic When Estimating Social Security Benefits

Maurie Backman’s message in this piece is don’t set yourself up for a rude awakening by expecting Social Security to be something it is not and never has been. That is– income replacement. It does not replace most income from employment. Benefits replace only around 40% of pre-retirement income, which is not enough to survive on by themselves. Backman notes people often expect 80% to 100% and will says so when asked. Full piece 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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