Laurence's Recent Stories
Nation Dec 01Collect your Social Security as if you may live to 100
If you live to 100, which is increasingly likely for middle class Americans in decent health, says Social Security expert Larry Kotlikoff, you’ll be extremely happy you waited until age 70 to collect your retirement benefit.
Nation Nov 24Retiring? Here’s how to get an extra month of Social Security benefits for free
If you are going to file for your Social Security retirement benefit early, and you play your cards right, Larry Kotlikoff has a new trick for you to maximize your benefits.
Nation Nov 17When Social Security will let you take only one benefit at a time
Once you have filed for two benefits, you get just the larger of the two. So to maximize your Social Security, the trick is to take one benefit -- a widows benefit, for example, or your own retirement benefit --…
Nation Nov 10How Social Security denied one woman the advice she deserved
Larry Kotlikoff and former Social Security technical expert Jerry Lutz intervene on behalf of a disabled divorcée who was getting all the wrong answers from the Social Security offices in her area.
Nation Nov 034 Social Security tips for boomers who never married
Much of Larry Kotlikoff's Social Security advice pertains to married couples or partners who are divorced, separated or widowed. But today, he speaks to those boomers who have never married, and tells them what they need to know should they…
Nation Oct 27Expecting a public pension? Don’t hold your breath for Social Security too
In some states, the earnings of government employees, like teachers, do not count toward Social Security. Any Social Security benefits they've earned, even those from a spouse, may be reduced by half of the public employee's non-covered pension.
Nation Oct 20Yes, Social Security can cancel your benefit. This is how
Expecting your Social Security check after paying FICA taxes for years? You may be disappointed. You won't receive your own Social Security benefit if you receive a survivor benefit, for example, that is larger. In other words, you cannot receive…
Nation Oct 14Can’t stand your spouse? Here’s a secret about collecting divorcée Social Security benefits
You may not need to be married for the full 10 years usually required to collect divorcée Social Security benefits. With the help of former Social Security technical expert, Larry Kotlikoff explains how eight years could do the trick.
Nation Oct 06You have your Social Security strategy all wrong
Larry Kotlikoff explains that remarried retirees cannot collect spousal benefits from an ex-wife or ex-husband, and steers a couple away from a Social Security strategy that wouldn't have worked for them.
Nation Sep 29What’s the cost of returning to work after taking Social Security early?
Benefit reductions from the earnings test can wreak havoc on your budget, explains Social Security expert Larry Kotlikoff, because they're not pro-rated. In other words, a retiree who has gone back to work to make ends meet after taking benefits…