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Postponing Social Security Benefits

Posted on:6/1/2013
A common fear among retirees is that their retirement benefits will be short lived and will not last their entire lifetime - a concern that will probably become even greater as people live longer.

Speak to an experienced social security attorney. When planning for retirement, never assume an average (or less) life expectancy.


For individuals who share the fear of outliving their benefits, postponing the start of social security benefits is logical, because this strategy provides the largest inflation adjusted monthly benefit that continues as long as they live. An experienced social security attorney can review your situation and advise you whether or not you should postpone the start of your social security benefits.


Individuals who have not saved enough may elect to continue working and contributing to 401 (k) plans and other retirement savings investments as well as allowing for an increase in their monthly social security benefits. For individuals who continue to earn more than the threshold amounts, there is usually greater benefit to postponing social security benefits, especially if the benefits received are subject to income taxation. Speak to an experienced social security attorney to know if your social security benefits will be subject to taxation.


Social security benefits may be taxable at very high effective tax rates if individuals have other earnings. People who are affected by this tax torpedo will usually do well to postpone their social security benefits and take appropriate steps to arrange their finances to avoid such losses, once they finally begin receiving social security benefits.

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