and timing of their bloom HAPPYLUKEcan provide information for climate change studies.

He also recommends that people check their Social Security history to make sure that the agency has your correct earnings history in their files.The widows scamAnother mistake that can result in lost benefits is what Kotlikoff calls the widows scam.HAPPYLUKE

Some of the pitfalls are detailed in a new book.your monthly benefits will be shaved by 30%.Kotlikoff thinks the Social Security AdministraHAPPYLUKEtion may inadvertently nudge people into claiming too early by providing a life expectancy calculator and actuarial tables that give the average number of additional years you could live.

where you can look through your past income to check for accuracy.Each persons situation is unique.

Know that its a good thing to lose money to the earnings test because for every dollar you lose to the earnings test.

The problem comes if the survivors benefit is higher because by claiming the retirement benefit at the same time.While staffing losses and resource constraints have challenged our service delivery.

which can also lead to a loss in future payouts.One of the 12 types of benefits offered by Social Security is the survivors benefit.

The earnings test scamAnother Social Security rule that can trip up older Americans is the so-called earnings test.it wont be possible to reverse that decision.