{"product_id":"the-social-security-playbook-the-decision-by-decision-guide-for-singles-and-couples-to-maximize-lifetime-benefits","title":"The Social Security Playbook: The Decision-by-Decision Guide for Singles and Couples to Maximize Lifetime Benefits","description":"\u003cdiv\u003e \u003cdiv\u003e \u003cdiv\u003e \u003cp\u003e\u003cspan\u003eMost people leave thousands of dollars on the table.\u003c\/span\u003e\u003cspan\u003e They filed without knowing which questions to ask, or in what order.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIf you are between 55 and 67 and have not yet claimed Social Security, every year you delay the wrong decision costs real money. And every year you delay the right one earns it.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eThe difference between claiming at 62 and waiting until 70 can exceed \u003c\/span\u003e\u003cspan\u003e$200,000 in lifetime benefits\u003c\/span\u003e\u003cspan\u003e for a couple with average earnings histories. The difference between a well-coordinated spousal strategy and a poorly timed one can cost tens of thousands more. These are not edge cases. They are the standard outcomes for people who did not know which questions to ask before filing.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eThis book answers those questions, in order, for your situation.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eYour claiming window is open. Here is what to do with it.\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan\u003e\u003cspan\u003eThe exact math behind early, full-retirement-age, and delayed claiming:\u003c\/span\u003e\u003cspan\u003e how to calculate which threshold applies to you and what each choice costs in real dollars\u003c\/span\u003e\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003e\u003cspan\u003eHow couples coordinate two benefit records\u003c\/span\u003e\u003cspan\u003e to protect the surviving spouse without sacrificing income today\u003c\/span\u003e\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003e\u003cspan\u003eThe Social Security Fairness Act of 2025,\u003c\/span\u003e\u003cspan\u003e which eliminated WEP and GPO for public employees and sent retroactive payments to millions. If yours has not arrived, this section tells you what to do next\u003c\/span\u003e\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003e\u003cspan\u003eThe Medicare window at 65:\u003c\/span\u003e\u003cspan\u003e the six-month enrollment period that, once missed, triggers permanent premium penalties\u003c\/span\u003e\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003e\u003cspan\u003eHow Social Security benefits become taxable income,\u003c\/span\u003e\u003cspan\u003e and the legal moves that reduce that exposure before you file\u003c\/span\u003e\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003e\u003cspan\u003eThe ten mistakes that come up most often,\u003c\/span\u003e\u003cspan\u003e and the dollar cost attached to each one\u003c\/span\u003e\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cspan\u003e\u003cbr\u003eAll figures are drawn from the current rules published by the SSA, CMS, and IRS. The scenarios are ones that come up every day: a single earner weighing 62 against 70, a couple with mismatched earnings histories, a divorcee unsure whether the spousal rules apply, a retired teacher waiting on Fairness Act payments that should have arrived months ago.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eAnyone can read this book. The work is only in deciding to act on it.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIf you have not yet claimed, your options are still open. Pick up the book and work through the decisions that apply to you.\u003c\/span\u003e\u003c\/p\u003e \u003c\/div\u003e \u003c\/div\u003e \u003c\/div\u003e","brand":"Books Prime","offers":[{"title":"Default Title","offer_id":45913593872575,"sku":"153b93c6-d048-41cd-af71-0575a96ddb94","price":18.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0761\/7550\/7647\/files\/a6eed19b8b96a06aa29a3ee912f5bb00.jpg?v=1785049147","url":"https:\/\/books-prime.com\/products\/the-social-security-playbook-the-decision-by-decision-guide-for-singles-and-couples-to-maximize-lifetime-benefits","provider":"Books Prime","version":"1.0","type":"link"}