I was born 7/9/55 and my wife was born 3/27/59, and I am the higher earner I'm wondering a what if she filed for SS at age 62 and I filed for a spousal benefit (after I was at FRA) at age 66.2 how would that compare to if I filed at age 70 and my wife at FRA 66.10.
Does your software show you the comparisons ?
Thanks,
Joe
Hi Joe,
I am 71 years old. I already take social security. I still work. Would using your calculator be of any benefit to me now.
My wife is 60 years old. She does not have 40 quarters of work in the United States. Could she benefit from the analysis?
Hi,
I tried to by your product but my country of residence was not listed. I have a specific question regarding WEP windfall and the affect it will have on my benefits and my German spouses. I will have 35 years combined payment into the Germand and US system. 21 years US and 14 years Germany. I really need your help and am willing to pay. Can you help me?
Hi,
https://maximizemysocialsecurity.com/how-are-disabled-adult-childs-benef... suggests "running the maximization software available on this website in order to explore all of your potential filing options." Does your software include/consider DAC SSDI benefits for a disabled adult child when evaluating filing options for the parents?
spouse started receiving early retirement social security. was living with me. i am disabled and last month was awarded disability for 2 yrs then reevaluate. husband has since left (abandoned ) before disability judgement. no official separation paperwork in place. how should i proceed to MMSS?
Hi,
You used to have a personal advisory service where you would analyze and advise on individual situations. I think the cost was either $150 or $250. Does that still exist, and can I sign up if so?
Hi,
Yes, we offer an 'Expert Review' option that includes a 1 hour phone consultation. For more information on that service, click on the purchase link at the top of this page.
Best, Jerry
I have a decent nest egg and have an annuity with a guaranteed income rider that should pay me $1,000 per month in a few years (I'm 62). My wife is 61 and receives Native American Benefits. I had been thinking of claiming SS early because of the "break even". However, after reading the book I am re-thinking. My question-does the software account for the misc. income streams I've described and will it help indicate if the Native American benefits (some of which are non-taxable) would "fail" an earnings test.
Hi,
Does the calculator include SSDI for disabled child calculations? Will they be based on the higher earning parent only or will the benefit change once both parents retire?
Hi,
Yes, our calculator can compute both Social Security disability benefits (SSDI) and disabled adult child's (DAC) benefits, as well as the combined benefit rate if a person qualifies for both types of benefits (i.e. dual entitlement). A person who is dually entitled can only draw the higher of the 2 benefit rates, though, not both.
Larry:
I heard you on a radio program. I wish I heard you before filing :) I am 66 and my wife is 55. I have been collecting SS since reaching 64. So my question is is there any benefit to your software after I have been collecting already?
Thanks
Sid
Hi Sid,
I'm thinking of purchasing your software. Does the software allow the user to consider the impact on IRA withdrawal? More specifically, taking social security benefits (possibly earlier than FRA) allows one to withdraw LESS from their tax deferred IRA account. This (the IRA) being a primary source of income in retirement could allow more money to stay in the market. Does your software allow you to run scenarios with IRA withdrawals in mind? A retiree certainly wants to maximize their social security benefit but also minimize the impact of their IRA.