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How to Maximize Social Security Benefits

How to Maximize Social Security Benefits - In 1935, the U.S. established Social Security, motivated by the Great Depression. Approximately, two-thirds of U.S. retirees count on the mandated supplemental retirement program for most of their retirement income, which sustains them for the remainder of their lives and keeps them out of poverty. The government funds this mandated program through payroll taxes, collecting a percentage of paychecks automatically for the Social Security fund. This provides benefits to retirees and current Social Security recipients. You can apply for as much as 50 percent of your spouse's social security benefit payout if your spouse's benefit is higher than yours. You can gain from this provision when one spouse never worked outside the home or when one spouse has lower earnings than the other. The lower-earning spouse can receive 50 percent of the spouse's benefit when the spouse reaches full retirement age. How to Maximize Social Security Benefits As odd as it sounds, you can claim social security benefits twice. This applies only when both earning spouses reach their full retirement age. People can sign up for their spouse's benefits once the spouse reaches full retirement age. Allow your Social Security benefit to continue to accrue. As long as you are working, you can continue to earn credits even as you collect a spousal benefit. At a later date, file for your own benefits. The government will base your benefit on your own work record. In most cases, the amount you receive will result in a higher monthly payment than you were getting prior to filing for your own benefit. How to Maximize Social Security Benefits

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