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When to Apply for Social Security Spouse Benefits
Here at the AMAC Foundation’s Social Security Advisory Service, we answer thousands of inquiries each year, largely focused on when the questioner should claim their personal SS retirement benefit. And we usually say “it depends” – on each person’s individual…
Social Security Disability Insurance (SSDI): Everything you need to know
Here’s a disquieting thought: About 25% of those first entering the workforce will become disabled at some point in their life. Not a pretty outlook, but it is one of life’s proven statistics. However, take some comfort in knowing that…
Poll Results: How do you feel about Social Security?
In one of the most comprehensive analyses we’ve seen lately, the Cato Institute, in this article, provides a very detailed and comprehensive evaluation on how Americans of all generations view the Social Security program. And the picture is not particularly…
Social Security Insolvency – Coming up fast!
The clock is ticking, with Social Security’s reserved funds expected to be depleted as early as the year 2032! And that would be a crisis for most American seniors (and others) who rely on Social Security for much of their…
Social Security: It’s not just for the elderly!
What do you think of when you hear the term “Social Security?” Those words might conjure up thoughts like “senior citizens,” “retirement,’ or, perhaps, “golden years.” And while those monikers are at least partially descriptive of the American Social Security…
Be Alert for Social Security Scams
If you receive a text, e-mail, or phone call saying it is someone from Social Security, odds are it’s a scam. Social Security will not initiate contact with you in these ways. Authentic Social Security Administration (SSA) contacts are almost…
Check Your Social Security Earnings Record Every Year
It is essential to review your Social Security earnings record annually. Your Social Security benefit amount is based on your 35 highest-earning years. Social Security averages your highest 35 years of earnings to calculate your monthly benefit, so it is…
Social Security Changes in 2026
You will see your monthly Social Security payments increase by 2.8% due to the cost-of-living adjustment (COLA). However, you need to factor in that the cost of Medicare Part B has increased to $202.90 for 2026, up from $185 in…
The Secure 2.0 Act Made Changes to RMDs and Roth 401(k)s Withdrawals
The primary goal of the Secure 2.0 Act is to encourage more people to save for retirement. Some of the primary changes were that the mandatory age for RMD withdrawals has increased, penalties for late withdrawals have been reduced, and…
Social Security and Federal Debt: An Ongoing Debate
Pew Research Center recently observed1 that the U.S. federal debt is a growing concern among the American public, with now more than half of the sampled population considering it a top priority. At this writing, the “debt clock” shows our…