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    Interested in receiving timely and informative Social Security, Medicare, Retirement and IRA information right in your in-box? Jim and Chris make it easy with their free, monthly, email newsletter. Each issue contains information and insight pre and post retirees will find invaluable. Click here to begin receiving your copy today!
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    A recent hike to Isabelle Glacier in the Indian Peaks
    Wilderness. This photo is me at the lake. The glacier is above in the mountains. We climbed to it.
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  • The budget bill that was passed by Congress and signed into law by the President on November 2, 2015 has major implications for some Social Security claiming strategies! All information in this blog pertaining to Restricted Applications or File-and-Suspend strategies that were posted prior to Nov. 2, 2015 may no longer be accurate. We strive to bring you the most up-to-date Social Security information and will be blogging extensively on these recent changes to Social Security. If you are unsure if the changes will affect you, please see the Effective Dates and Claiming Deadlines chart on our Resources page or feel free to call or email us with any questions.

  • featured

    COLA and DRC - When Are They Applied?

    This week we received a question that is effectively a two for one since the

    featured

    Disability and Survivor Benefits

    We received the following question regarding Social Security Disability and Survivor benefits recently: “My spouse receives

    featured

    Waiting for Credits to be Applied

    This week we received a question about the timing of becoming “insured” in the Social

    featured

    Switching Social Security Disability Benefits to Retirement Benefits

    The following multi-part question came in recently: “I am on SS disability benefits now.  Next year

    featured

    Question on CSRS and WEP

    The Civil Service Retirement System (CSRS) is a defined benefit pension plan available to those

    featured

    Earnings Test and GPO

    We recently received the following question that relates to both the Earnings Test and the

    featured

    Missed Social Security Payments

    A reader recently asked the following question about claiming missed Social Security payments: “I am trying

    featured

    Question on Switching from Survivor Benefits

    The advantages to claiming survivor benefits versus your own benefits can be confusing. We recently

  • COLA and DRC
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    This week we received a question that is effectively a two for one since the question involves the difference in the application of COLAs (Cost of Living Adjustments) and DRCs (Delayed Retirement Credits).  As with most things related to...

    survivor benefits
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    We received the following question regarding Social Security Disability and Survivor benefits recently: “My spouse receives Social Security disability and has for several years. I worked full time and then went to part time as I now have his responsibilities...

    credits
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    This week we received a question about the timing of becoming “insured” in the Social Security system.  Reaching insured status grants you the eligibility to receive benefits.  There are actually three versions of insured status.  Explaining the differences probably...

    disability benefits
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    The following multi-part question came in recently: “I am on SS disability benefits now.  Next year I reach my full retirement age of 66.  It is my understanding that my disability benefits will automatically convert to a retirement benefit.  Is...

    Read more →

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