Social Security and Divorce: What You Need to Know

Although more and more women are in the workforce, many can receive a larger Social Security benefit based on their ex-spouse’s work record than they would on their own. The Social Security Administration will calculate each benefit for you, and …

Changes to Social Security Claiming Strategies

The Bipartisan Budget Act of 2015 passed by Congress and signed into law by President Obama, included the elimination of two Social Security benefit claiming strategies- commonly known as “File and Suspend” and “Restricted Claims”.  The legislation also eliminates the …

Government Pension Offset & Windfall Elimination Provision

Government Pension Offset and Windfall Elimination are two provisions that may affect your Social Security benefit if you receive a pension from a government job where you did not pay Social Security taxes. Government Pension Offset The Government Pension Offset …

Pension and Social Security Benefit Integration

Under the law, a pension plan can subtract all or part of your Social Security benefit from your pension benefit, sometimes leaving little or no pension benefit in the end.  This is called pension integration. Lower and moderately paid workers, …