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Filing for your benefits at the wrong time can cost you tens, even hundreds of thousands of dollars. Especially if you're married or was married. Get the facts before you file for benefits. 


Married couples have 81 options when filing for their Social Security.  When it comes to Social Security being married really can pay.

Single Person Benefit


If you are single, your primary concern will be to determine how long you think you will live and what sources of income you have available.  For example, if you intend to work and you are not full retirement age (66-67), you need to be aware that earning too much income can lead to a loss of Social Security Income.  This year ( 2018), the income threshold is $17,040/yr. ($1,420/mo.), if you earn more, you will lose $1 of Social Security for every $2 earned over the threshold.   This is referred to as a penalty. 


In addition, each year you delay the withdrawal of your Social Security between the ages of 62 and your full retirement age (66-67, your future payment will be increased by 6.5% (this number can be larger when COLA’s are factored in).  After your full retirement age, your future Social Security Income is will be increased  8% each year until you're age 70.

When Are Others Filing


Over 96% of Americans will not wait until age 70 to file for benefits, according to Social Security’s Annual Statistical Supplement, 48 percent of women and 42 percent of men who claimed retired-worker benefits in 2013 were age 62, after excluding those on disability benefits who were switched to regular Social Security at age 66.


The next most popular claiming age was the Full Retirement Age (FRA), which was 65 until 2003 and gradually increased to 66 for workers turning 65 in 2008. Twenty-seven percent of women and 34 percent of men claimed benefits at the FRA. The other age groups individually account for a much smaller percentage of initial benefit awards.


The disadvantage if married could equate to hundreds of thousands of unclaimed benefits.

Why Planning Pays


Their Initial Plan


Gary (66) and Linda (63) were ready to file for their Social Security.  Linda had retired and did not plan to return to work. Therefore, she wanted to file for her Social Security checks to travel.  Gary, still employed knew he could collect his Social Security without a penalty while working. 

  *  Gary’s Social Security at age 66 would
      be $2534 monthly/ $30,408 yr.

  *  Linda’s Social Security at 63 is $1136
      monthly / $13,632

Another Spousal Benefit


Fred (64) and Renee (66) married in 1973 and  Renee was a stay at home mother/wife and never worked. Therefore she did not qualify for her own Social Security.


Fred, now 64 wanted to wait until 66 to collect his Full Retirement Benefit (FRA).  We informed him he would be better off to file at age 64, at which time Renee would qualify for ½ of his FRA benefit because she is 66 now.



Fred will collect $2,210 a month, and Renee will receive $1,275 a month, equal to 1/2 of Fred’s Full Retirement Age (FRA) benefit. Together they will collect $3,485 a month. 



Michael J Eberhardt, a Social Security and Retirement Income Specialist,  Arizona Licensed and Bonded will provide a Complimentary consultation, including a Social Security and lifetime Income projection to illustrate the best time to start your Social Security and to let you know if your money and Social Security will last throughout your life expectancy.   

Your Complimentary Holiday Is Valued  

$1,485  VALUE


Chandler Downtown Library

22 S Delaware Street - Chandler, AZ 85233

Wednesday - July 11, 2018

6:00 PM

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