including allergic reactions to anesthesia or death.

and we handle overpayments on a case-by-case basis.you only have 12 months to reverse the decision.

But only about 6% of Americans wait until they turn 70 to claim Social Security.Yet claimants have little recourse for fixing the problem or otherwise protecting themselves.Think about homeowners insurance.

700 rules that can easily trip up claimants and cost them tens of thousands of dollars in lost benefits.But its also an incredibly complex system.

but stem from the Social Security Administrations own missteps.

Kotlikoff told CBS MoneyWatch.the widow or widower is locking in their retirement benefit at the age when they make that claim.

But the program can be opaque and.not everyone might be able to hold off.

)People really need to understand that youre out there on your own.when they receive the maximum payout about 76% higher than at age 62.