the amount the program pays for a medical service is determined by three geographically weighted components: a physicians work.

or about five years before the full retirement age for most people.which usually stems from poor decisions about filing for benefits that can lead to lower payments.

Kotlikoff told CBS MoneyWatch.Here are four common mistakes that people often make in claiming Social Security.as well as the information they send to the agency.

if you decide you claimed too early.In a statement to CBS MoneyWatch.

But its also an incredibly complex system.

as reported by 60 Minutes earlier this month.if a majority of unionized autoworkers decide to reject the Big 3s proposals.

Autoworkers who voted no are likely pushing for better retiree health care benefits and a defined benefits pension plan.Autoworkers are also rejecting those the agreements because they still have an issue with the automakers two-tier wage system.

But whats happening with the Big 3 is slightly different.and many of them still want tiers to be shed.