Maximized Social Security Report

How do I ensure I'll actually file as intended?
See the 'How to Apply' section of the report for general information about applying for benefits Regardless of how you apply, make sure that the Re...
Thu, 18 Jun, 2020 at 2:28 PM
Do you account for lost earnings on investments I sell to allow me to delay filing for benefits?
Yes — our software, with the default settings for inflation and nominal return, implicitly compares taking Social Security benefits with equally risky inves...
Thu, 18 Jun, 2020 at 2:29 PM
How do I apply for Social Security benefits?
The most important advice is to access the Social Security website and get their most current official guidance on how to apply. Note that you can apply on...
Thu, 18 Jun, 2020 at 2:32 PM
Can the software's estimates match AnyPIA's estimates if I'm under age 62?
The National Average Wage is used to index past covered earnings when determining your highest 35 years of earnings. Our software compounds the intermediat...
Thu, 18 Jun, 2020 at 2:32 PM
Why does the software show one spouse claiming before their FRA and suspending soon after?
This is due to how Adjustment of the Reduction Factor (ARF) and the Earnings Test are applied. If excess earnings were charged against reduced early retire...
Thu, 7 Mar, 2024 at 12:05 PM
Can I collect early spousal and delay my retirement benefit until 70?
No. If you are eligible for both reduced retirement and reduced spousal benefits, then you cannot restrict your application to just one of these types of be...
Thu, 18 Jun, 2020 at 2:33 PM
Why does the software have me filing and suspending after my FRA?
The maximized results have you filing and suspending when it will be most beneficial for your spouse to take spousal benefits. You can file and suspend at y...
Thu, 18 Jun, 2020 at 2:33 PM
What is the Grace Year and the Monthly Earnings Test?
A beneficiary's initial grace year is the first year that they have at least one Non Service Month (NSM), i.e. a month in which they do not earn more th...
Thu, 18 Jun, 2020 at 2:34 PM
Why is the Earnings Test Applied in My Grace Year?
We don't ask for enough information, i.e. month by month earnings from your age 62 until your full retirement age, to determine if you have at least one...
Thu, 18 Jun, 2020 at 2:34 PM
Why does the software show benefits in today's dollars rather than future dollars?
We show everything in today's dollars to prevent users from thinking they will receive more real benefits than will actually be the case. If inflation ...
Mon, 6 Jul, 2020 at 12:15 PM