When Should I Take Social Security to Maximize My Benefits?

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Maximize My Social Security helps you decide when and how to collect retiree, spousal, survivor, divorcee, parent, and child benefits to achieve the highest lifetime benefits.

Developed by Laurence Kotlikoff, Professor of Economics at Boston University, Maximize My Social Security incorporates all Social Security provisions and options for singles and married couples:

  • Retirement, spousal, and survivor benefits
  • Child, divorcee, mother and father benefits
  • Reductions for early retirement
  • Re-computation of benefits
  • Delayed retirement credit
  • Family benefit maximum
  • Handles benefits for children who became permanently disabled before age 22.
  • Windfall elimination provision
  • Government pension offset
  • Deeming provisions
  • File and suspend & start, stop, start strategies
  • Social Security's earnings test
  • Adjustment of the Reduction Factor
  • Does not currently handle adults receiving a disability benefit, we will do so this fall. Please check back soon.