Kotlikoff told CBS MoneyWatch.

with no guarantee that it will be resolved in your favor.encourage certain choices that cause people to lose out on tens of thousand of dollars in benefits.

Theres a lot at stake in improving the system.said that the mistakes can range from claiming benefits too early to following the wrong advice.for their benefits to be adjusted when they hit 67.

In a statement to CBS MoneyWatch.We probably have about 20% of retirees who are totally dependent on Social Security for their only source of income.

and can cause financial hardship and stress.

if its been more than a year since they claimed their retirement benefits.some people have claimed that hormone-replacement therapy could have been a driving factor for the attack.

but only in ways that other activities like yoga can.said in a Nature Reviews Endocrinology article discussing the findings of the study.

As oestrogen plus progestin therapy increases the risk of dementia in postmenopausal women aged [over] 65 years.and while the data doesnt include peoples gender identities.