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Unreduced Social Security spousal and dependent benefits and the family maximum

October 27, 2020 by indyfinance Leave a Comment

Become a Patron! Last week I wrote about the way age differences can play an important role in thinking about the timing of Social Security old age benefit claims. Specifically, spouses need to take into account two separate variables: the increase in the primary worker's old age benefit by delaying their old age benefit between ages 62 and 70, and the increase in the … [Read more...] about Unreduced Social Security spousal and dependent benefits and the family maximum

The spooky effects of age differences on Social Security benefits

October 21, 2020 by indyfinance Leave a Comment

Become a Patron! I was skimming one of the interminable posts over at Michael Kitces's Nerd's Eye View blog by Jeff Levine and was struck by his description of a very strange feature of the Social Security spousal benefit calculation. To spare you from trudging through the post, there are three curious features of Social Security benefits to consider: A worker's old age … [Read more...] about The spooky effects of age differences on Social Security benefits

Wage replacement is an important measurement, whether or not it’s good policy

February 6, 2020 by indyfinance Leave a Comment

Become a Patron! I've written before about the FAMILY Act, the leading Democratic initiative in the House and Senate to create a nationwide system of paid family and medical leave like that enjoyed by citizens of virtually every other country in the world. One of the things advocates say when describing the FAMILY Act is that it's based on a "social insurance model." This … [Read more...] about Wage replacement is an important measurement, whether or not it’s good policy

Biden is wrong about Social Security, but so is everybody else

January 19, 2020 by indyfinance Leave a Comment

Become a Patron! In a bit of a surprising turn in the lead-up to the Iowa caucuses, former Vice President and Delaware Senator Joe Biden has finally come under sustained criticism for his career-long advocacy for cuts to Social Security. I'm not sure why his rivals didn't elevate this criticism earlier, but it's obviously correct: he has advocated and voted for cuts to … [Read more...] about Biden is wrong about Social Security, but so is everybody else

What the media can’t get right about retirement, and why

November 22, 2019 by indyfinance Leave a Comment

Become a Patron! A long-time reader passed along an article from the World Economic Forum's blog (yes, for some reason the World Economic Forum has a blog) titled "To retire at 65, American millennials need to save almost half their paycheck." While the article is absolute drivel, it's a good starting point to understand some things the business and financial press gets … [Read more...] about What the media can’t get right about retirement, and why

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