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Social Security Benefits: Is It Worth It to Delay?

 

Get a firm understanding of Social Security retirement benefits and know when it makes sense to delay so you can properly advise your clients.

I believe that social security has been the American workers' greatest investment and has been labeled the third rail of politics, and perhaps rightly so. However, dire predictions have recently been published about the collapse of the system, but are those predictions really warranted? This topic will take you from the beginning of social security to the present day and probable future. From the eligibility requirements and the exact procedure for the determination of benefits of individuals and spouses, to a discussion of taking benefits early or delaying benefits to a later age. The penalties for either the worker or the spouse taking benefits prior to a normal retirement age will be discussed. The government pension offset and the windfall elimination provision will be explained. In making a decision to take social security benefits at a current age or delaying the benefits to a later age, this topic will show you when the break-even of total revenues from current or delayed benefits will occur and the probabilities of surviving to those ages.

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Social Security Benefits: Is It Worth It to Delay?

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Social Security Benefits: Is It Worth It to Delay?

Faculty

Robert Muksian, Ph.D.

Robert Muksian, Ph.D.

Robert Muksian

  • Professor Emeritus, mathematics department at Bryant University in Smithfield, Rhode Island
  • Past consultant to pension consultants for pre and post-retirement planning, attorneys at law and money managers
  • Publications include, Zero Risk - Market Returns for the Ultra Conservative Investor, Journal of Financial Planning, Financial Planning Association, January 2009; Calculating Break-even Ages for Delaying Social Security Beyond the Normal Retirement Age, Journal of Financial Planning, Financial Planning Association, March 2006; The Best Day of the Year to Invest, AAII Journal, American Association of Individual Investors, February 2006; The Effect of Retirement under Social Security at Age 62, Journal of Financial Planning, Financial Planning Association, January 2004; Delaying Social Security beyond Normal Retirement, Journal of Financial Planning, Financial Planning Association, March 2006; Social Security Benefits at 65: Delay or Take the Money and Run, AAII Journal, American Association of Individual Investors, August 2000; Financial Mathematics Handbook, Prentice-Hall, 1994; Mathematics of Interest Rates, Insurance, Social Security, and Pensions, Prentice-Hall, October, 2002; and Applied Interest Theory, Cengage Learning, 2016
  • Bryant University Distinguished Faculty Award in 2005 and the Bryant Federation Distinguished Faculty Award in 2004
  • Certificate of appreciation for establishing the actuarial mathematics major at Bryant University, 1982
  • Member of the American Society of Mechanical Engineers; past member Financial Planning Association and American Association of Individual Investors
  • B.S.M.E. and M.S. degrees in mechanical engineering; Ph.D. degree in mechanical engineering and applied mechanics, University of Rhode Island
  • Can be contacted at 401-203-6900, 401-781-1032 or [email protected]
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Social Security Benefits: Is It Worth It to Delay?

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