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Retirement Benefits

May 18, 2023

When Should I Start By Benefits To Get My Full Age 70 Amount?

August 12, 2022

Which Month Should I Choose To Start My Benefits?

December 21, 2021

Should I Start Drawing My Benefits Before Age 70 If I'd Already Be Eligible For The Maximum Amount?

December 9, 2021

What Happens When Calculating My Retirement?

December 6, 2021

Am I Not Entitled To Benefits Based On P.L. 108-203?

November 3, 2021

Which Is Correct?

October 30, 2021

Will My Benefit Payments Resume If I Stop Working?

October 26, 2021

Can You Tell Me When I'll Get My First Payment?

October 4, 2021

Am I Eligible To Start Taking Social Security Benefits At My Age?

September 29, 2021

Is There A Maximum Social Security Benefit Amount An Individual Can Receive?

September 3, 2021

Why Am I Receiving More Than The Published Maximum Benefit Rate?

August 19, 2021

Do You Have Any Thoughts On The Benefit Estimates On My Social Security Statement?

August 12, 2021

Is There Any Way To Claim Benefits More Than Six Months Back?

August 11, 2021

Is It Correct That My First Check Will Arrive In November Instead Of October?

August 2, 2021

Will I Get A Higher Benefit Now That I've Returned To Work?

July 30, 2021

Will My Permanent Benefit Rate Go Down When I Stop Working?

July 28, 2021

How Will It Affect My Social Security Payment If I Start Drawing At Age 65 1/2?

July 16, 2021

Will I Receive My Current Benefit Amount For The Rest Of My Life?

June 22, 2021

Should My Husband Wait Until Next Year To Apply So That His 2021 Earnings Will Be Used To Calculate His Benefit Amount?

May 25, 2021

Will I Still Qualify For Social Security At Age 62 If I Haven't Worked In 21 Years?

May 25, 2021

Since My Husband Is 100% Disabled Through The VA, Can He Start His Social Security Benefits Early With No Reduction?

May 14, 2021

If I Take My Benefits Now But Keep Working Will I Automatically Get A Rate Increase?

May 5, 2021

Will I Even Qualify For Retirement Benefits?

April 21, 2021

How Do I Figure Out How Much My Benefit Will Be Reduced If I Start Drawing Early?

April 5, 2021

If I'm No Longer Paying Into SS Will My Benefit Go Down Each Year Until I Reach Age 67?

March 29, 2021

Which Month Should My Wife Claim Her Benefits To Receive Her Maximum Rate?

March 24, 2021

If I Start Drawing At Age 66 & 2 Months Is That The Full Maximum Benefit?

March 22, 2021

What Can I Do In The Next Few Years To Build Up Social Security Benefits For My Wife And Myself?

March 15, 2021

Do You Know If Congress Is Working To Fix The Benefit Calculation Problem For People Born In 1960?

March 12, 2021

Will Fifteen Years With Zero Earnings Lower My Benefit Amount?

February 27, 2021

Can Social Security Substitute The Earnings Years Used To Calculate My Benefit Rate?

February 26, 2021

Will I Get My Maximum Retirement Benefit Rate If I Start My Benefits With June?

February 19, 2021

If I Stop Working At Age 63 But Delay Taking Benefits Until Age 67, How Is The Increase In My Rate Calculated For Those Four Years?

January 15, 2021

Should I Take My Social Security Benefits Earlier Than Age 70?

December 31, 2020

Would My New Earnings Increase My Monthly SS Benefit?

November 8, 2020

How Will It Impact My Benefits If I Go Back To Work Part-Time?

November 5, 2020

If I Started Collecting Benefits At Age 62, Will I Get A Benefit Increase If I Quit Working?

October 22, 2020

Why Did My Wife And I Receive An Extra Deposit This Month?

October 19, 2020

How Can I Calculate My PIA?

October 12, 2020

What Should I Do?

August 25, 2020

Will My Benefit Rate Go Up Because Of My Future Earnings?

August 25, 2020

As I Continue To Work And Pay Taxes, Do My Social Security Benefits Increase From Year To Year?

August 22, 2020

How Will My Social Security Be Impacted If I Don't Return To Work?

August 16, 2020

Is It True That My 2020 Earnings Won't Be Used To Calculate My Benefit Amount If I Retire Early In 2021?

August 13, 2020

Can You Tell Me About Social Security's Benefit Formula?

August 12, 2020

How Much Extra Will I Receive When I Reach FRA?

August 12, 2020

Is It Good Or Bad To Claim My Benefits Early?

August 12, 2020

Will My Earnings After Age 60 Go Towards Calculating My Social Security Benefit?

August 12, 2020

Can I Start Collecting Retirement At Age 60?

August 11, 2020

Will My Wife's Full Retirement Age Rate Go Down If She Stops Working?

August 6, 2020

Can My Husband Get Benefits Now?

August 5, 2020

Will My Benefits Be Reduced Because I'm Collecting A Union Pension?

August 5, 2020

Can My Social Security Benefit Be Increased?

July 31, 2020

Does It Matter Whether I File Early Or Later?

July 27, 2020

Will Social Security Reduce My Monthly Benefits If I Wait Past Age 70 To File?

July 27, 2020

Is There Any Way For Me To Independently Verify That My Social Security Benefit Is Correct?

July 14, 2020

How Will Business Losses I Declared Affect My Social Security Benefits?

June 17, 2020

Is There A Provision For Increasing Monthly Benefits Now Or In The Future Not Counting The CPI?

June 4, 2020

Will My Current Lower Income Significantly Reduce My Full Retirement Benefit?

June 3, 2020

Does My Benefit Amount Go Up By 8% If I'm Not Working Or Getting Benefits?

June 2, 2020

If I Draw SS And Still Work Does My SS Increase?

June 2, 2020

Can I Take Full Retirement For A Little Extra?

June 2, 2020

What Do I Do As Far As Still Working While Drawing Benefits?

June 1, 2020

Will My Personal SS Benefits Continue To Grow Until Age 70 If I'm Receiving Widow's Benefits?

May 30, 2020

Will Social Security Include My 2020 Salary In My 35 Years Of Highest Earnings?

May 30, 2020

Which Month Will I Qualify For My Age 70 Benefit Rate?

May 27, 2020

Why Am I Getting Different Estimates When I Call Social Security?

May 26, 2020

Did I Miss Something With Regard To Maximizing Benefits?

May 26, 2020

Will Retiring At 59 1/2 Affect My Social Security In A Negative Way?

May 19, 2020

If I Get My Social Security At Age 68 And Continue Working Will My Social Security Payout Increase?

May 18, 2020

Are The AWI Calculations Already Baked In?

May 5, 2020

Which Month Should I Start My Retirement Benefits In Order To Receive My Maximum Monthly Rate?

April 28, 2020

When Could I Retire With Full Benefits?

April 16, 2020

What Can I Do To Get My Benefit Rate Increased?

April 3, 2020

What Month Do Choose If I Want To Receive An Unreduced Benefit?

March 23, 2020

How Is The Maximum Benefit Rate Calculated?

February 22, 2020

Does The Amount Taken Out Of My Paycheck For SS Affect My SS Check?

February 22, 2020

Would Replacing My Two Lowest Salary Years With Higher Salary Years Increase My Monthly Benefit?

February 7, 2020

Can I Assume That My SSA Estimate Will Be Accurate When I Apply At Age 62?

February 7, 2020

Is There A Way To Find Out What My Current Projected Benefit Will Be At Age 70?

February 2, 2020

Will Returning To Work Impact My Current Social Security?

January 26, 2020

Can You Help Me?

December 18, 2019

Is There Any Way I Can Get Credit For My Upcoming Q4 Payroll Returns?

December 18, 2019

Will I Lose Money By Waiting Until Age 70 Due To The Social Security Changes Occurring In 2021?

November 6, 2019

Will My Husband Still Be Eligible For Social Security If He Never Goes Back To Work?

November 1, 2019

Will My Benefit Amount Be Reevaluated Annually To Include My New Salary?

October 17, 2019

Is It True That My Earnings After Age 70 Can't Be Considered In Calculating My Benefits?

October 11, 2019

Is It True That They Look At Your Past 5 Years To Determine Your Benefit Rate?

September 30, 2019

What Should I Really Expect My Benefit Rate To Be Since I've Stopped Working?

September 24, 2019

How Can I Figure Out My Actual SS Payment?

September 23, 2019

Can I Do Anything To Receive My First Payment In November?

March 12, 2019

Did I Lose All Of My Previous Credits By Staying Home To Raise Children?

March 7, 2019

Why Is My Benefit Rate Less Than The Maximum Possible Amount?

February 26, 2019

How Does $0 Income For 8 Years Affect My Benefit?

February 22, 2019

Which Indexing Factors Are Used To Calculate A Person's Benefit Rate?

February 21, 2019

Will My SS Benefit Rate Be Drastically Reduced If I Switch To A Lower Paying Career?

February 2, 2019

Is It Correct That My Benefit Rate Would Be Permanently Reduced If I Return To Work At A Lower Paying Job?

January 26, 2019

Why Did I Get Different Benefit Estimates From Social Security?

January 11, 2019

Can I Increase My Benefit Rate If I Continue Working Past Age 70?

January 5, 2019

Is There A Best Time Of The Year To Retire And Reinstate My Benefits?

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