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Social Security Office Cheating Retirees

Posted on November 22, 2018 by bobrichards

You expect the folks at the Social Security office to give you the best advice.  But they don't. Did you know that there are 12 ways to claim your Social Security benefit and only ONE of those ways will give you the biggest check?

Avoid the Social Security Office

You may have heard that when people go to the Social Security office to claim their benefits, they get incompetent, incorrect and incomplete information.   The Government Accountability Office just completed a study of the advice that the folks at the Social Security office provide. Here's what they found:

SSA claims specialists did not discuss the advantages to waiting to claim benefits at a later age in eight of 26 in-person interviews, even though this is required.

In 10 observed interviews, claims specialists at the Social Security office offered the opportunity for people to claim up to 6 months of retroactive benefits as a lump sum. While a lump sum may be attractive to retirees, only one of the 10 claims specialists revealed that the retroactive benefit would reduce future payments.

Do You Know How to Get the Largest Social Security Check?
Learn to use the government rules to get the largest payment due you

Most people think that they get the largest payment automatically.  Not true. You need to make choices when you apply and if you make the incorrect choice, you get a smaller check -- for life. Even if you already receive Social Security Benefits, you may be able to change your selections.

Access Your Free Copy

Most people, as well as the "specialists" at Social Security, are totally in the dark that there are 12 ways to file for Social Security and you will not get good advice from the Social Security Administration. Make the wrong choice and you get a smaller monthly check, for life!

If you have not yet claimed Social Security or have done so in the last 12 months (you can still change your selection), here are 10 top sources to get the information you need. These are sources that will help you get the largest possible check so you don't need to rely on misinformation for the Social Security office.

Here are your top 10 sources that will help you determine how to file for your largest Social Security benefit:

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Consult an Expert

If you want to be told what to do by an expert, there are some sites that list advisors who are knowledgeable. Do not assume that your existing financial advisor knows the intricacies of SS. Most do not. Those who want to offer this expertise to their clients have taken specialized training.


These advisors have been through the training provided by the National Social Security Association, a for-profit company which trains advisors to be knowledgeable about SS choices.


These advisors have been through the training from the Corporation for Social Security Claiming Strategies, a for-profit training company.

http://www.designationcheck.com/advisor-search
These advisors have completed the Retirement Income Certified Planner course given by the American College, a non-profit college primarily serving insurance professionals.

https://consumer.socialsecuritytiming.com/Home/AdvisorSearch
These are advisors who use Social Security Timing software for calculating the optimal SS choice.

Online Services

These services provide a plan on how to maximize your SS benefit either online, over the phone or combination of both.

https://www.silverwealth.co/

http://www.socialsecuritychoices.com/

Do-It-Yourself Software

https://maximizemysocialsecurity.com/households

http://www.socialsecuritysolutions.com/getyoursolution.php (also has an option to get help from an advisor)

Some of the online software is free to use but please be cautious. My advice is to use the free tools and then pay for one of the online analyses (less than $50) or consult with a trained advisor. If you have 2 or 3 sources giving you the same advice, there’s comfort in that.

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Maximize Your Social Security Income

Get the one-page social security Cheat Sheet

You may think that the folks at the Social Security office will tell you how to get the biggest monthly check. In fact, the federal rules PREVENT them from advising you. There are millions of people who have given up more than $50,000 just by making a simple yet incorrect method of taking their Social Security benefits. Don’t let that be you! Get your free copy now.

Filed Under: Social Security Tagged With: maximize social security, social security advice, social security answers, social security benefits, social security information

About bobrichards

Bob Richards
Editor | Involved in Various Marketing Positions within the Financial Services Industry

Comments

  1. erptree says

    October 21, 2016 at 10:43 am

    So nice and thank you for sharing useful content

    Reply
  2. Gail Lehto says

    June 21, 2020 at 5:59 pm

    How can I raise the amount of my Social Security and SSD TO MAKE MY LIFE A LITTLE MORE ACCEPTABLE.

    Reply
    • bobrichards says

      February 24, 2022 at 11:08 am

      Please get a free copy of our booklet on maximizing social security benefits
      https://retirementbooklet.com

      Reply
  3. diana says

    July 22, 2020 at 10:16 pm

    Getting ready to inherit 20,000 retirement Medicaid & Medicare VIP...how do I set $ aside for future medicines(..$10,000 in a trust) how much could I take out a month w/0 loosing benefits...HIV 1998

    Reply

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