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#109 - Social Security Rules That No Longer Apply

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Outdated Social Security advice can create costly mistakes, especially when rules have changed, but old strategies are still being shared today.

Have you ever heard someone say, “I was told I could do this with Social Security”? What if that advice no longer applies and could affect your retirement income for years to come?

In this episode, I explain several Social Security filing strategies that used to work but no longer apply for many women today. I walk through common misunderstandings around ex-spousal benefits, deemed filing rules, restricted applications, and survivor benefits. I also clarify the important differences between rules for married spouses and divorced spouses, along with how filing early can reduce benefits. 

EPISODE SUMMARY

  • Why outdated Social Security strategies can create costly retirement income mistakes today
  • How the deemed filing rules changed spousal and ex-spousal benefit claiming options
  • The difference between survivor benefits and spousal benefits after divorce or widowhood
  • Why filing before full retirement age can permanently reduce monthly benefits
  • How working before full retirement age may temporarily reduce Social Security income
  • And more!

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#108 - Social Security Q&A: What You Need to Know About Work, Taxes, and Medicare

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