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19 Ways to Get the Most Out of Social Security
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1. Don’t panic over reports that Social Security is going Bankrupt
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2. Don’t take Social Security benefits too early
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3. Social Security benefits are not just for you
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4. Social Security has a death benefit
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5. It’s possible for a lower-earning spouse to collect early, and then switch to a higher benefit later
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6. Maximizing your earnings just before retirement can pay off big in higher Social Security benefits
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7. Don’t throw your spouse out too soon
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8. Children and Surviving Parents get Benefits from a Deceased Spouse’s Social Security
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9. A widow can start collecting Social Security spousal benefits on the deceased spouse’s account at age 60
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10. If you started collecting early, and now think that was a mistake, you can fix it
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11. You don’t need to retire to collect Social Security, even at age 62, but you will pay a penalty
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12. Social Security income and the law
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13. Social Security income is taxed at less than other income
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14. Don’t rely on estimates
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15. Marriage and Social Security
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16. Higher earning spouses should delay collecting for the sake of their significant other
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17. Medicare Part B can pose risks when it comes to delaying filing for Social Security beyond 66
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18. Spousal and survivor benefits are calculated based upon a spouse’s full-retirement benefit amount
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19. Both spouses can draw spousal benefits on the other’s account