Why a Custom Analysis?
Determining when to claim your Social Security benefits is not only an important decision, but also a complicated one for most people. Because the Social Security program is designed to handle many different situations, the regulations covering who can get which benefits and at what age are numerous and complex. (If you want to see for yourself, check out the Social Security Handbook, or the Program Operating Manual.) Even if someone is familiar with all of the provisions that might affect their choice, it can be extremely difficult to determine the optimal strategy.
To help you get around these complexities and determine your best Social Security strategy, we can provide you with a customized analysis, tailored to your specific circumstances.
Select your group below to find out more:
In order to maximize lifetime Social Security benefits, a single person needs to identify the optimal time to start collecting benefits. This puzzle is a surprisingly tricky one to solve. Our customized report solves it for you. It tells you exactly what you need to do in order to get all the benefits that you deserve.
Before proceeding, please consider the following question. Are you "single" because you are divorced or because your spouse has passed away? If so, go to the divorced person page or the widow(er) page to see whether you qualify for benefits as a divorced person or widow(er). When it comes to Social Security benefits, divorced persons and widow(er)s often have valuable options that are not available to single individuals. If you fall into either of these two categories, you may be able to boost your lifetime Social Security benefits by many thousands of dollars.
To begin the process of getting your custom analysis, or for more information, start at our Single Persons Homepage.
A married couple (with no dependent children or parents) is usually eligible for two types of benefits:
- Retirement benefits based on their own individual earnings record
- Spousal benefits based upon the earnings record of the principal earner
In order to maximize your Social Security benefits, you need to know which benefits to claim and when to claim them. Our customized report tells you exactly what you need to do in order to get all the benefits that you deserve.
To begin the process of getting your custom analysis, or for more information, start at our Married Persons Homepage.
A divorced person (previously married for at least 10 years and with no dependent children or parents) is often eligible for two types of benefits:
- Retirement benefits based on their own individual earnings record.
- Divorced-spousal benefits based upon the earnings record of their former spouse.
In order to maximize your lifetime Social Security benefits, you need to know which benefits to claim and when to claim them. Our customized report tells you exactly what you need to do in order to get all the benefits that you deserve.
For more information, start at our Divorced Persons Homepage.
A widow(er) (not now remarried and with no dependent children or parents) is often eligible for two types of benefits:
- Retirement benefits based on their own individual earnings record.
- Widow(er)'s benefits based upon the earnings record of their deceased spouse.
In order to maximize your lifetime Social Security benefits, you need to know which benefits to claim and when to claim them. Our customized report tells you exactly what you need to do in order to get all the benefits that you deserve.
For more information, start at our Widowed Persons Homepage.
The few groups we do not provide custom analyses for:
- Those seeking disability benefits. Disability benefits are not affected by when you claim them. Thus, we have no guidance to offer you if you are applying for Social Security disability benefits. Check out one of the many websites that deal with disability issues.
- Couples with children eligible for Social Security benefits. If, when you retire, you have a child under 18 or a child 18 or 19 attending an elementary or secondary school full time; you can get social security benefits to help support your child. At present, our proprietary software does not support analyses for potential Social Security claimants with children who qualify for Social Security dependent benefits.
- Those with dependent parents who might qualify for benefits on your retirement record.