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Calculating Retirement Benefits

May 18, 2023

Will Social Security Use My Medicare Earnings If They Are Higher Than My Social Security Earnings?

April 11, 2023

Isn't It True That People Turning 62 in 2023 Or Later Missed Out On The Past Two COLA Increases?

March 15, 2023

Can I Get Social Security Credit For My National Insurance Contributions In The UK?

January 18, 2023

Are You Familiar With The Benefit Adjustment That's Supposed To Occur When Some Of Your Benefits Were Withheld?

January 13, 2023

If I Continue Working After Claiming Benefits Will Those Years Count Toward My 35 Year Average?

December 9, 2022

How Is The Benefit Rate Calculated For People Who Start Benefits Early But Have Some Of Their Benefits Withheld?

November 18, 2022

Will My PIA Be Increased By The 8.7% COLA Even If I Only Earned $3K In 2022?

November 3, 2022

Is My Understanding Correct?

October 23, 2022

Will The Contributions From My Part Time Work Increase My Benefit Rate When My SSDI Turns Into Retirement?

October 17, 2022

Sould My Contributions Increase My Monthly Benefit Amount?

September 12, 2022

Will The Fact That I've Returned To Work Increase My Monthly Check?

August 24, 2022

Can I Expect My Benefits To Be Based On What My Salary Was In 2010?

August 7, 2022

Will Social Security Recalculate My Benefit Rate Since I'm Earning More Now Than I Did In In Some Of The Years They Used To Calculate My Current Rate?

August 5, 2022

Will My Current Earnings Replace Lower Years And Increase My Benefit Amount?

June 23, 2022

Should Social Security Recalculate My Benefit Rate If I Earn More Than I Did In One Of My Previous Highest 35 Years Of Earnings?

June 17, 2022

Can I Improve My Situation By Giving Myself A Salary?

June 5, 2022

Can You Help Me Understand If Working At A Lower Salary For The Next Five Years Will Significantly Reduce My Benefit Amount?

April 5, 2022

How Will Taking A Lower Paying Job Affect My Benefit Amount?

February 13, 2022

How Will My Benefits Compare To Someone Born In A Different Year?

December 28, 2021

What Percentage Reduction Would Be Applied To My Benefit If I File Now?

December 28, 2021

If I Claim Benefits Before FRA And If My Benefits Are Withheld Due To My Work Will Those Amounts Be Recredited At FRA?

December 11, 2021

How Can I Trust SSA To Calculate My Benefit Rate Correctly If My Online Estimates Appear To Be Wrong?

December 10, 2021

Do You Have Any Update Regarding The Wage Index Issue For People Born In 1960?

November 19, 2021

How Can I Determine When My Monthly Benefit Rate Would Reach $2,000?

October 29, 2021

Wouldn't I Multiply My Prior Year Rate By 1.08 To Calculate My Benefit Rate If I Delay My Benefits Between FRA And Age 70?

October 28, 2021

Will My SS Benefit Be Reduced If I Don't Go Back To Work?

October 21, 2021

Is There Any Update On The Glitch In Social Security Payments For People Who Turned 60 In 2020?

October 12, 2021

Do You Know If The SS ANYPIA Calculator Can Show SS Benefits For Any Month Beyond January?

October 7, 2021

Is It Correct That Earnings After Age 70 Won't Change My SSA Payment?

October 1, 2021

How Does Retiring Mid-Year Affect The Calculation Of Your Benefit Amount?

September 27, 2021

Do I Need To Start Drawing My Benefits This Year To Get The Upcoming Social Security COLA?

September 25, 2021

Does My Primary Insurance Amount Get Adjusted By COLAs Even If I Haven't Yet Claimed My Benefits?

September 17, 2021

Do I Get An Increase In Social Security Since I'm Still Working?

September 12, 2021

How Much Would Each Year Of My Annual Salary Affect My Benefit Amount?

September 11, 2021

How Are COLAs And DRCs Applied?

September 1, 2021

Will My Monthly Benefit Amount Continue To Decrease Due To Lower Earnings?

August 31, 2021

How Do I Get Social Security To Give Me The Rest Of My Delayed Retirement Credits?

August 30, 2021

Why Aren't My Part Time Earnings Causing My Benefit Rate To Increase?

August 19, 2021

What Is The Correct Maximum Possible Benefit Rate?

August 17, 2021

What Effect Will Working Part-Time Have On My Benefit Calculation?

August 11, 2021

Should I Start My Benefits This Year Because Of A Possible Drop In The 2020 Average Wage Index?

August 6, 2021

Is My PIA Available Online?

August 6, 2021

If I Earn Enough In The Years I Reach Age 63 And 64 Will Those Earnings Be Used When Calculating My PIA?

August 4, 2021

WIll My Benefit Rate Go Up Now That I'm 75 And Ready To Retire?

August 3, 2021

Why Are My Estimated Benefits Going Down?

August 1, 2021

How Big A Drop In Monthly Benefits Would I Incur If I Stop Working At Age 65?

July 29, 2021

How Will My 2021 Earnings Affect My Benefit Rate?

July 27, 2021

Will Not Working Again Affect My Monthly Benefit Rate?

July 22, 2021

Will You Provide A Calculator For People Who Were Born In 1960?

July 21, 2021

What Will I Receive When I Start Receiving Social Security Retirement Benefits?

July 8, 2021

If I Work Post-Retirement Will That Change The Way WEP Is Applied?

July 7, 2021

Is It Possible That Social Security Isn't Including COLAs In My Own Benefit Calculation Because I Already Received COLAs As A Spouse?

June 27, 2021

Is Congress Working On A Fix For People Who Turned 60 During COVID-19?

June 14, 2021

Will My Social Security Payment Go Up When I Reach Full Retirement Age?

June 12, 2021

When I File For My Social Security Will They Count The $50K Per Year That I've Been Receiving From My Long Term Disability Policy?

May 31, 2021

Will It Reduce My SS Benefit Is I Do A Phased Retirement?

April 22, 2021

How Will Six Years Of Zero Earnings Affect My SS Benefit?

April 17, 2021

Does Social Security Recalculate My Benefit Amount To Include Earnings I've Had After I Started To Draw Benefits?

March 24, 2021

How Can My Wife And I Estimate What Our SS Benefits Might Be?

February 18, 2021

How Can I Know With Certainty That My Benefit Amount Is Correct?

February 17, 2021

Do You Think Legislators Will Fix The Benefit Calculation Problem For People Born In 1960?

January 15, 2021

Why Isn't My Benefit Much Higher Than My Husband's Even Though I Paid In A Lot More?

January 7, 2021

If I'm Not Working Will My Benefit Rate Continue To Increase?

January 2, 2021

How Much Can I Claim At Age 70?

December 31, 2020

Can You Explain Why Paying The Maximum Contribution For 35 Years Isn't Necessarily Sufficient To Earn The Maximum Benefit?

September 4, 2020

Where Can I Find This Year's Publication For Calculating Social Security Benefits?

April 28, 2020

Will Social Security Recalculate My WEP Reduction If I Have Additional Substantial Earnings Years?

About the Author

Laurence J. Kotlikoff 

Laurence J. Kotlikoff is a William Fairfield Warren Professor and Professor of Economics at Boston University, a Fellow of the American Academy of Arts and Sciences, a Fellow of the Econometric Society, and a Research Associate of the National Bureau of Economic Research.
Professor Kotlikoff received his B.A. in Economics from the University of Pennsylvania in 1973 and his Ph.D. in Economics from Harvard University in 1977. Kotlikoff is the Director of the Fiscal Analysis Center.
A New York Times Bestselling author, he has written nineteen books and hundreds of professional articles and op-eds. He is a frequent television and radio guest. His columns have appeared in the New York Times, Wall Street Journal, London Financial Times, the Boston Globe, Bloomberg, Forbes, Yahoo.com, Fortune, and other major publications. In 2014, The Economist named him one of the world's 25 most influential economists