Social Security Rules That No Longer Apply (Ep. 109)
Outdated Social Security advice can create costly mistakes, especially when rules have changed, but old strategies are still being shared today.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.
Key takeaways:
- Why outdated Social Security strategies can create costly retirement income mistakes today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!
Resources:
- Get Your FREE Simply Retirement Roadmap
- 2026 Tax and Retirement Planning Cheat Sheet
- #14 – Top 5 Things Every Woman Should Know About Social Security
- #24 – Understanding Spousal (and Ex-Spousal) Social Security Benefits
- #37 – Top 5 Questions on Social Security Survivor Benefits
- #63 – Social Security Planning After Divorce: Crucial Rules and Mistakes to Avoid
- #85 – Social Security: Essential Rules for Women and Divorcees
Connect with Eric Blake:
- www.TheSimplyRetirementPodcast.com
- Join the Simply Retirement Newsletter
- Ask a Question or Suggest a Topic for the Podcast
- Blake Wealth Management
- YouTube
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