For Households

Tens of thousands of households have used our software successfully to maximize their lifetime benefits.

  • The program has been highly ranked by The Wall Street Journal, acclaimed by the New York Times, and featured in virtually every other top media outlet.
  • Accurate and comprehensive. The advanced software addresses the important details that free calculators can’t manage and competitive software doesn’t include.
  • Delaying retirement to receive higher benefits
  • Work longer, earning more to increase benefit
  • Sequence and time spousal and retirement benefits for grandfather under prior law.
  • File/Suspend/Reinstate retirement benefits
  • Early retirement to activate child or disabled-child benefits and child-in-care spousal benefits
  • Start widow(er) benefit before full retirement when deceased spouse took retirement benefits early
  • Take retirement benefits before taking non-covered pension to delay activation of Windfall Elimination Provision
  • Delay retirement benefits to raise widow(er) benefits for surviving spouse or ex spouse.
  • Retirement Insurance Benefits
  • Spouse's Insurance Benefits
  • Divorced Spouse's Insurance Benefits
  • Social Security Disability Insurance Benefits
  • Child In-Care Spouse's Insurance Benefits
  • Widow(er)'s Insurance Benefits
  • Divorced Widow(er)'s Insurance Benefits
  • Child's Insurance Benefits
  • Childhood Disability Benefits
  • Surviving Child's Insurance Benefits
  • Father's and Mother's Insurance Benefits
  • New Social Security law and grandfathering rules
  • Early benefit reductions
  • Delayed retirement credits
  • The earnings test
  • Adjustment of the reduction factor
  • Re-computation of benefits
  • Family maximum
  • Option to suspend and reinstate retirement benefits
  • Combined family maximum
  • Disabled family benefit maximum
  • RIB LIM on widow(er) benefits when the deceased spouse was entitled to reduced RIB
  • Restricted application and deeming rules
  • Alternate widow(er)'s benefits when the deceased spouse died before age 62
  • Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), which are not applied by default, but you can run with these provisions enabled for purposes of comparison
  • It’s easy to use—gives clear instructions and a complete To Do List.
  • Results show you which benefits to collect, when you become entitled to them, and how to collect them. Reports on line and printable (in plain English).
  • Presents detailed annual and lifetime benefit information.
  • Allows you to explore the impact of future Social Security benefit cuts.

Powerful software. Smarter decisions. More benefits.

Under the hood, Maximize My Social Security is extremely careful in capturing Social Security’s incredibly complex provisions. It typically considers tens of thousands of alternative collection strategies before suggesting the one that maximizes your household’s lifetime benefits.

The program also lets you run unlimited “What If” scenarios and compare, side by side, how your own collection strategy compares with the benefit-maximizing strategy, including when the maximized benefits break even with your "what-if" benefits.

Learn more about How It Works

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