Social Security For Dummies

Social Security For Dummies
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**Social Security For Dummies, 2nd Edition (9781119293330) was previously published as Social Security For Dummies, 2nd Edition (9781118967560). While this version features a new Dummies cover and design, the content is the same as the prior release and should not be considered a new or updated product.

Praise for* Social Security For Dummies*:**

"*Social Security for Dummies* is a must read for people of any age who want a comfortable retirement. Jonathan Peterson does a great job of explaining this complicated system and helps you understand how to get the most from the benefits you've earned. The difference between a smart claiming strategy and a dumb one can cost you hundreds of thousands of dollars, so you'll want to invest in this book."

–**Liz Weston**, personal finance columnist and author of *The 10 Commandments of Money*

"This is your go-to book on Social Security. Chock-full of useful tips, easy to use, and well organized, it answers all your questions about Social Security."

–**Steve Vernon**, author of *Money for Life: Turn Your IRA and 401(k) Into a Lifetime Retirement Paycheck* and CBS MoneyWatch commentator

"*Social Security for Dummies* is indispensable for anyone who wants to get the best possible deal from Social Security—and that means all of us, young and old, because everyone will need Social Security benefits in this era of disappearing pensions and dwindling savings. Strategies for single people, for married couples, for survivors, for divorced people: You can find expert advice on all these subjects and more in this easy-to-understand guide to a very complex subject."

–** Bob Rosenblatt**, editor of HelpwithAging.com and Senior Fellow at the National Academy of Social Insurance

**About the book:

Take the mystery out of Social Security and maximize your benefits when you retire**

Social Security For Dummies is the definitive resource to navigating the often-complex world of Social Security retirement benefits and the U.S. Social Security Administration. If you're nearing retirement age, or assisting someone who is, this guide will show you how to avoid common pitfalls, determine when you should claim your benefits, and figure out how much you can expect to receive each month.

This newest edition provides updates to relevant dates and resources as well as an in-depth look at policy changes that will affect those about to retire. Packed with information that will help you make decisions that will maximize your financial well-being, this great resource makes it easy to understand everything you need to know quickly and easily.

Understand new Social Security Administration policies and what they mean for you

Determine how to incorporate Social Security into your overall retirement plan

Get answers to common questions

Find resources to use when you're stumped

With *Social Security For Dummies*, you can take charge of your retirement and successfully navigate the U.S. Social Security Administration.

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Social Security For Dummies, 2nd Edition

Published by: John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030-5774, www.wiley.com

Copyright © 2015 by AARP. All rights reserved. AARP is a registered trademark.

Media and software compilation copyright © 2015 by John Wiley & Sons, Inc. All rights reserved.

Published simultaneously in Canada

No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as permitted under Sections 107 or 108 of the 1976 United States Copyright Act, without the prior written permission of the Publisher. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or online at http://www.wiley.com/go/permissions.

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Library of Congress Control Number: 2014954676

ISBN 978-1-119-29333-0 (pbk); ISBN 978-1-119-29615-7 (ebk); ISBN 978-1-119-29616-4 (ebk)

Social Security For Dummies (9781119293330) was previously published as Social Security For Dummies, 2nd Edition (9781118967560). While this version features a new Dummies cover and design, the content is the same as the prior release and should not be considered a new or updated product.

Introduction

You’re reading this book, so you’re probably thinking about the future – for yourself or for your loved ones. You probably want to know more about the Social Security benefits that could go to you and your family one day and how that money will meet your needs. You may also be thinking about the next phase of your life. Will it be financially comfortable? Will it be a struggle? If you’re like many people, you wonder whether you’re going to outlive your savings. Will Social Security keep you afloat? Can you count on your Social Security benefits? What should you know about the program? How can you find the information you need?

Despite its significance in modern life, Social Security is rarely explained clearly in one place. Not in a way that lays out the program and explains how you fit in, all the protections Social Security offers, and what they mean for you and your loved ones. Not in a way that empowers you to plan right and face the bureaucracy with your eyes open. Not in a way that tells you what you need to know about the rules that affect benefit amounts and eligibility. But understanding this stuff is important – for you and for those who depend on you.



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