Dec 23 Will Social Security count my big earnings if I lose my job before 66? By Laurence Kotlikoff If you lose your high-paying job before full retirement age, you don't lose Social Security benefits you've already paid for, says expert Larry Kotlikoff. What you might miss out on, though, is an opportunity to raise your lifetime benefits even… Continue reading
Dec 15 Why does it feel like Social Security’s ripping me off? By Laurence Kotlikoff You may be entitled to Social Security benefits on more than one account and believe that you deserve all of those benefits after you and your (ex)-spouses contributed to the Social Security system. But the reality, Larry Kotlikoff explains, is… Continue reading
Dec 11 How Social Security still discriminates against same-sex couples By Laurence Kotlikoff Even if a same-sex couple is married in a state where same-sex marriage is legal, if they live in a state where it's not, and one spouse tries to collect spousal or survivor benefits, he or she will not be… Continue reading
Dec 11 Multiemployer pensions could face cuts By Tom Murphy and Tom Raum, Associated Press WASHINGTON — Retirees covered by financially troubled multiemployer pensions could soon see their benefits cut under a congressional spending deal to keep the government running. Continue reading
Dec 03 Should you ditch your employer’s insurance for Medicare? By Philip Moeller In the last few days before Medicare open enrollment ends for the year, Making Sen$e Medicare Maven Phil Moeller takes a question from a reader of a certain age who's not sure whether he should choose one of his employer's… Continue reading
Dec 01 Collect your Social Security as if you may live to 100 By Laurence Kotlikoff If you live to 100, which is increasingly likely for middle class Americans in decent health, says Social Security expert Larry Kotlikoff, you’ll be extremely happy you waited until age 70 to collect your retirement benefit. Continue reading
Nov 26 If I’m turning 65 and still working, do I have to file for Medicare? By Philip Moeller People who have group health policies through their employers generally do not have to sign up for Medicare when they turn 65. But there are exceptions. Making Sen$e Medicare Maven Phil Moeller fills you in on the rules and takes… Continue reading
Nov 24 Retiring? Here’s how to get an extra month of Social Security benefits for free By Laurence Kotlikoff 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. Continue reading
Nov 19 Don’t be fooled by Medicare drug plans with low premiums By Philip Moeller When shopping for Medicare drug plans, many consumers are wowed by lower monthly premiums and don’t look at other plan details that will affect their total out-of-pocket expenses. Making Sen$e's Medicare Maven Phil Moeller tells readers what other costs to… Continue reading
Nov 17 When Social Security will let you take only one benefit at a time By Laurence Kotlikoff 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 --… Continue reading