it makes the decisionbased on trend analysis.

That risks the person losing out on thousands of higher benefits they would have received if they waited until full retirement age.and the steady stream of monthly income keeps millions of seniors from slipping into poverty.

He said people should claim Social Security based on the maximum number of years they could live not the average.you should set that money aside because theyre going to come back for it at some point.which means people who collect Social Security before age 67 will get $1 deducted from their Social Security payments for every $2 they earn above that limit.

as reported by 60 Minutes earlier this month.where you can look through your past income to check for accuracy.

While staffing losses and resource constraints have challenged our service delivery.

The earnings test scamAnother Social Security rule that can trip up older Americans is the so-called earnings test.Your chance of being one of those people is pretty high.

is something called the adjustment of reduction factor.That often dissuades older workers from continuing to work after they claim.

if you decide you claimed too early.Thats why Kotlikoff urges people to keep careful records of their interactions with the Social Security Administration.