Which Months Are Withheld If a Worker Exceeds the Earnings Limit?
Learn how Social Security determines which months to withhold benefits if a worker exceeds the earnings limit. Discover why SSA withholds benefits starting in January.
Read more →Insights
Social Security & Medicare Insights
Expert guidance from ARPI-certified professionals — Social Security claiming strategy, Medicare enrollment, IRMAA planning, and retirement income.
How SSA Determines Earnings Limits for Early Social Security Benefits
Learn how SSA uses W-2 Box 3 (Social Security wages) — not Box 1 — to enforce earnings limits for early Social Security recipients who continue working.
Read more →
Understanding Spousal Benefits After Divorce and the Deemed Filing Rule
Learn how the deemed filing rule affects Social Security benefits for divorced spouses. Discover why your client must take her own benefit first and how the spousal boost works.
Read more →
Social Security Benefits for a Disabled Child: Choosing the Right Parent's Record
Learn how to decide whether to claim Social Security benefits for a disabled child on the father’s or mother’s record, and understand the impact on family benefits and spousal boosts.
Read more →
Should a Client Apply for Disability After Starting Social Security Retirement?
Learn how applying for Social Security Disability can increase benefits for a client who took retirement benefits early and is now facing a significant health issue.
Read more →
Receiving Social Security Benefits While Living in Colombia
Learn about the impact of moving to Colombia on your Social Security benefits as a U.S. citizen. Discover what to expect when living abroad.
Read more →