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  • Will Spousal Benefits Reduce My Retroactive Social Security Retirement Benefit Payment?

    Will Spousal Benefits Reduce My Retroactive Social Security Retirement Benefit Payment?

    Economic Security Planning, Inc. Today’s column addresses questions about the effect of having collected a spousal benefit before filing retroactively for retirement benefits, potential effects of business losses on Social Security benefit rates and which full retirement age (FRA) applies to the earnings test. Larry Kotlikoff is a Professor of Economics at Boston University and […] More

  • Will Biden’s Tax/Benefit Plans Help/Hurt You And The Economy?

    Will Biden’s Tax/Benefit Plans Help/Hurt You And The Economy?

    If you are follow my writings, you’ll know that I often write about matters of personal finance using my company’s economics-based, personal financial planning software. What you may not know is that, together with UC Berkeley economist, Alan Auerbach, and other economists in academe, the Federal Reserve Bank of Altanta, my graduate students, and my […] More

  • Can My Wife Suspend, Get Spousal Benefits, Then Restart Increased Retirement Benefits?

    Can My Wife Suspend, Get Spousal Benefits, Then Restart Increased Retirement Benefits?

    Economic Security Planning, Inc. Today’s column addresses questions about what’s possible after suspending a retirement benefit, survivor pensions based on a spouse’s non-covered pension, responding to a notice of overpayment from Social Security and why spousal benefits may not have been available. Larry Kotlikoff is a Professor of Economics at Boston University and the founder […] More

  • If I File Six Months Retroactively, What Benefit Rate Will I Get?

    If I File Six Months Retroactively, What Benefit Rate Will I Get?

    Economic Security Planning, Inc. Today’s column addresses questions about how retroactive filing affects benefit rates, when spousal benefits may be available and whether it’s possible or advisable to take a retirement benefit before a survivor’s benefit. Larry Kotlikoff is a Professor of Economics at Boston University and the founder and president of Economic Security Planning, […] More

  • Will My Continuing Income Reduce My Wife's Social Security Retirement Benefit?

    Will My Continuing Income Reduce My Wife’s Social Security Retirement Benefit?

    Economic Security Planning, Inc. Today’s column addresses questions about how the earnings test is applied when a spouse has filed early, whether payments based on an ex’s non-covered pension will invoke the WEP, child benefits for children not in the record holder’s custody and exchange rates and foreign pensions. Larry Kotlikoff is a Professor of […] More

  • Social Security — It’s Been Almost A Year. Pay This Lady Her Benefits

    Social Security — It’s Been Almost A Year. Pay This Lady Her Benefits

    getty I often write about people who are having difficulty getting the benefits they are due from the Social Security Administration and today, I bring you the story of Sarah Bliner from Livingston NJ. Sarah lives at 17 Stonewall Drive, Livingston, NJ 07039. Her home phone is 973-5330635. Her cell is 973-477-5948. Her email is […] More

  • If We Lose Benefits To The Earnings Test, Will Our Family Maximum Increase At FRA?

    If We Lose Benefits To The Earnings Test, Will Our Family Maximum Increase At FRA?

    Economic Security Planning, Inc. Today’s column addresses questions about whether losing benefits to the earnings test will increase the family maximum at full retirement age, verifying past wages along with what wages are counted for Social Security and the family maximum’s potential effects on children’s benefits. Larry Kotlikoff is a Professor of Economics at Boston […] More

  • Will Future Social Security Benefits Decline Due To Covid-19's Economic Slowdown?

    Will Future Social Security Benefits Decline Due To Covid-19’s Economic Slowdown?

    Economic Security Planning, Inc. Today’s column addresses questions about whether the Covid-19 pandemic’s affect on the economy will reduce future Social Security benefits, taking spousal benefits before retirement benefits at 70, how spousal benefits are calculated and filing options after two marriages. Larry Kotlikoff is a Professor of Economics at Boston University and the founder […] More