Archive - July 26, 2012

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Getting Advice On Retirement Planning And Long-Term Care Insurance
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The Restricted Application for Social Security Spousal Benefits

Getting Advice On Retirement Planning And Long-Term Care Insurance

In a culture where youth is sometimes worshipped, many people don’t want to think about getting older and they certainly don’t want to plan for it. However, whether you plan for it or not, you are going to get older. When you consult a Fee-Only financial planner, you can make important decisions about your future with expert guidance. A Fee-Only financial planner can not only talk to you in general about retirement planning, but can also work with you to set up your finances so you will have money as you age.

In, “Long-Term Care: Is It in

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The Restricted Application for Social Security Spousal Benefits

One provision of Social Security benefits that is relatively unknown is the restricted application for Spousal Benefits.  This provision allows a person to apply for benefits based upon his or her spouse’s record while delaying receipt of benefits based upon his or her own record.

The restricted application is only available when three factors have been met:

1 – the individual filing the restricted application has reached Full Retirement Age (FRA); and

2 – the individual has not filed for his or her own Retirement Benefit; and

3 – the individual’s spouse has filed for his or her own Retirement …

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