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Post-Divorce Planning for Social Security

• First Things First: 10 Years, Not 9 Years and 11 Months
• Benefit Cessation Warning
• Length of Marriage Requirements Vary
• Other Eligibility Criteria for Exes
• Independently Entitled Ex-Spouse
• How Much Are We Talkin’?

Beware of WEP/GPO Outliers

• Pension Plus
• Simultaneous Entitlement
• Lump Sum Beware
• Payments from Primary Retirement Plans and Optional Savings Plans
• A Dependent Spouse’s Early Claim Can Lead to Long-Term Cash Flow Deficiencies
• Survivor Step-Up
• Spousal Dependency Beware
• The Quasi-Dependent Spouse

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Annette Hammortree CLTC,

Bridging Social Security Gaps with Life Insurance

• Dollars for Dependents
• Family Maximum Rules May Limit Benefits
• Gap Years
• Widow(er)’s Penalty Beware
• Supplementing Life Insurance

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Mark Annese,

2024 Mid-Year Frequently Asked Questions

• Social Security’s Struggles
• Spousal Benefits
• Sidestepping the Earnings Limit
• Calculating the COLA
• Taxes on Benefits
• Benefit Estimates
• Mastering the Medicare Maze
• Medicare for the Disabled
• Getting Back to Work
• All in the Family
• Taxation and SSDI
• Steps for Application Success

Executive Summary

GUEST EXPERT:
Robert Wright,

Disability Insurance: A Crucial Part of Social Security

• Patience Required
• Defining Disability
• Starting the Process
• Banking On the Blue Book
• When Cash Starts Flowing
• Calculating SSDI Benefits
• Medicare for the Disabled
• Getting Back to Work
• All in the Family
• Taxation and SSDI
• Steps for Application Success

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Jean Priest
J Priest Solutions Retirement &

Overhauling Overpayments

• Changing Times
• Cases in Point
• Overpayment Waiver Criteria
• Smaller Comfort
• Better Safe than Sorry
• Receipt of Other Types of Benefits
• Other Status Changes
• Restoring Faith

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Brad Pistole RICP®,

Top Social Security and Medicare Developments of 2023

• Help Wanted
• Cooler COLA
• Shifting into Reverse
• Defining Disability
• Taking Social Security Taxation to Tax Court
• Medicare Moderation
• Telehealth Tactic
• Dis-Inviting IRMAA
• Advantage Plans’

2023 Mid-Year Frequently Asked Questions

• Social Security Inflation and Insolvency
• End of the Road for Crafty Strategies
• Pre-FRA Earnings
• Mixing Retirement Benefits and Social Security Disability
• Social Security Auxiliary Benefits
• Social Security and Earnings
• Medicare and Pesky “Aunt” IRMAA

Executive Summary

GUEST EXPERT: Matthew Collins,

SECURE 2.0: The Case of the Missing Mammoths

• StaffSupport
• Required Distributions Delayed ρ Higher and Highest
• Mastering the Mystery
• Tax Trimmers
• Going for 70

Executive Summary

Advisor Mailbag

Calculating Social Security Benefits

GUEST EXPERT: Shelley Giordano,

Social Security Outlook Cloudy After Firing of Top Executive

• Down, Then Out
• Behind the Scenes
• Back to Work?