Hi Larry,
I am fun of your publications since 2014. I am 66 and my husband is 67. We are still working and planning to do so for couple more years. My current spousal benefit is $1,109. It was $1,106 in 2016 based on $2,212 PIA for my husband.
I am using your software for the second year and I just found a discrepancy. Per your calculation, my spousal benefit for 2017 should be $1,132 not $1,109. I hope it is not an error!

I enrolled in the Maximizing software service today and ran a couple of scenarios. I like the service, but it isn't clear to me if you take into consideration the social security taxes that I will continue to pay in if I elect to work until I'm 70. If not netted out against the increased benefits of waiting it would give a skewed answer.
Thanks,
Kevin

Hi Kevin,

I purchased the maximize my social security but I'm really confused about timing. I'm the higher earner. I am married Charlie's birth year is1953 mine 1958. he will quit working 2018 I will continue until 2024. What's the best strategy?? For Charlie to get his SS benefit then 50% spousal? I am really confused over spousal benefits and filing and restricting and suspending.

Hi,

Does it even make sense for me to purchase your program to determine if claiming divorced spousal benefits would be recommended for me? I just read the new edition of "Get What's Yours," so I know I'm not grandparented from the new 2015 rules. I do know that I qualifty for divorced spouse benefits by length of marriage and time of divorce. I'm born 07/57 and my former spouse 11/65. I retired in 2014 and believe she had higher earnings for at least the last ten years and probably plans on working until her FRA.

Currently near age 59 and my wife near age 58, when would be the best time for us to purchase your software for evaluating our best case retirement strategies?

Hi,

It's never to early to start planning for retirement, so you might want to start now. However, you can't apply for Social Security retirement or spousal benefits until age 62, so you could probably wait a while if the $40 per annum fee doesn't fit in your budget.

Best, Jerry

Do you update your software when there are changes to Social Security rules?

Hi,

Absolutely. The maximization software on this website is fully updated, including the most recent Social Security amendments that became effective this year.

Best, Jerry

Hi Larry, I already purchased, read and highlighted your book, "GET WHAT'S YOURS". I retired 8 years ago and get my regular full SS retirement benefit. My wife still works at age 74 and will retire soon. During a period when she was unemployed, she applied for "early" SS retirement benefits at age 62, but later went back to work and now draws a reduced SS retirement benefit. I will happily purchase your computer program "Maximize My Social Security" if there is any way now to "maximize our social security" benefits. If I can't then there is no point.

Hello,
I am a Canadian, but found myself working the last years of my working life in the USA. If I work for 4 more years I will have 10 years into SS & eligible for a pension at age 66. I am wondering how/where I can find out what the estimated pension would be. I tried the calculator on the SS site, but it is hard to work, as it assumes you have been working for 40+ years, and I couldn't input just the years I had worked. Thanks, Gail

Hi Gail,

Hi, how do i apply for that extra $1000 benefit that i read recently to my social security check that is on page 9 of the Franklin Prosperity Report. Thanks, Calvin

Calvin, don't believe everything you read or hear about Social Security. Our software will show you how to maximize your lifetime household benefits and lets you enter other what-if scenarios to see how they compare to the maximized results and to each other. Thanks, John