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When claiming early might be the best strategy

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I recently wrote a white paper on survivor benefits. One of the points I made in the paper was that dependent children (up to age 19 if he or she is still attending high school) of a deceased parent can claim Social Security benefits.  And because I was writing about the benefits that a worker’s survivors are eligible for I didn’t cover the benefits of workers claiming benefits but still very much alive.  In fact, the one time it might truly be beneficial for someone to begin collecting benefits early is if they have dependent children.

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Phasing into retirement: Is it for you?

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Some people think that they will work “until they drop” and others can’t wait to “take this job and shove it” but there’s another option for people in the middle and not quite interested in giving up the benefits or the pay or even the relationships but still wanting to slow down a bit and take in all the grandkids baseball games or spend some time travelling and fishing. 

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The importance of sleep in healthy aging

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When I was a child, my then 26-year old aunt died, unexpectedly and suddenly.  She simply felt tired, lay down and never got up again.  My family was quite disbelieving that foul play hadn’t happened and so we did something most families don’t’ do when someone dies.  We had an autopsy performed.  When that didn’t find anything, we had another one performed and finally a third.  What all this is leading up to is that because my aunt died, my family knows it has a tendency towards sleep apnea. 

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Understanding Social Security's Totalization Agreement

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Social Security tax is non-refundable, meaning that if someone from another country pays into the U.S. system but never qualifies for benefits, it isn’t possible to get a refund of the taxes paid.  As more and more large companies become multinational and their employees work overseas, a growing number of individuals have emerged who don’t work for a long enough period in a foreign country under that country’s Social Security program and therefore may “lose” their contributions. 

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When married men claim Social Security too early

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According to the Administration on Aging, 37 percent of women 65 and over in the United States were widows in 2012.[1]  Not only do women tend to live longer than men by an average of five years[2] but men tend to marry younger women.[3]  While those statistics are changing, the odds are that if you are a woman, you will experience extra-long life (as compared to men) and therefore face some unique challenges including aging single, lower annual retirement income, greater health care costs, and caregiving responsibilities according to a MetLife Study of Women, Retirement and the Extra-Long Life.[4]

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