Social Security

Social Security is an important benefit, especially for women. It is never too early to start understanding Social Security benefits for both you and your loved ones. The more you learn now, the better prepared you will be in the future. Use these helpful resources to find out more about how Social Security benefits work and what you need to know to best utilize them.

News in Social Security:


IMPORTANT! Changes to Social Security Claiming Strategies 
The Bipartisan Budget Act of 2015 signed into law in November 2015 includes the elimination of two Social Security benefit claiming strategies commonly known as "File and Suspend" and "Filing a Restricted Application for Spousal Benefits." The legislation also eliminates the option of a "lump sum" payout option of suspended benefits. The Social Security Administration recently clarified details about how it will implement the rule.  

PLEASE NOTE: WISER is in the process of updating the Social Security Fact Sheets on our website to reflect these changes, as well as developing a fact sheet that describes these changes in detail. Some of our materials, however, do not include this new information yet.  

To learn more about these changes from Social Security, click here.

You can also read Social Security's Voluntary Suspension FAQs and Deemed Filing FAQs.


Cost of Living Adjustment (COLA)- 2016
Each year, the Social Security benefits are adjusted to fit the cost of living increase measured by the Consumer Price Index. Due to inflation, the Social Security Administration may increase benefits to help elders with the resulting cost of living. Monthly Social Security and Supplemental Security Income (SSI) benefits will not automatically increase in 2016, however, as there was no increase in the Consumer Price Index from the third quarter of 2014 to the third quarter of 2015.

Compassionate Allowances 
Compassionate Allowances help provide benefits quickly to applicants with serious medical conditions that meet disability standards. For more information, please click here.

Resources on Social Security and Social Security Reform:


Social Security Administration - The SSA has a wealth of information about your benefits and how to apply, and you can also find information about the program itself, including history, data, and policy analysis.  Call: 1-800-772-1213 or visit the Social Security Administration web site:

Sign up for an online account with the Social Security Administration. You can access your Social Security statement and learn more about your benefits. Visit

Social Security Administration booklet, What Every Woman Should Know:

Anti-Fraud Website
The Social Security Administration launched a web page highlighting its efforts to fight fraud, waste, and abuse in its programs. You can also find materials to help spread the word and even report fraud.

Institute for Women's Policy Research conducts rigorous research and disseminates its findings to address the needs of women, promote public dialog, and strengthen families, communities, and societies. Included in this research is Social Security and the impact of reform on women. Visit For their Retirement and Social Security Initiative:

AARP has a variety of publications for women on Social Security, reform proposals, privatization, and impact on women. See

National Academy of Social Insurance has a comprehensive list of policy and academic publications on 
Social Security financing, reforms and administration. Visit

National Committee to Preserve Social Security and Medicare has a useful questions and answers feature on their website, as well as policy analysis and other information about proposals to change Social Security and Medicare. Visit

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