SOCIAL SECURITY

Incorporate Social Security to grow

Retiring clients fear outliving their savings. Having a strategy around Social Security can help. While many clients default to collecting at age 62, there are many other options to consider. The rules are complex, but even knowing the basics can help you maximize client benefits.

Optimize Social Security benefits

Help your married, divorced, widowed and single clients select their strategy by comparing lifetime benefits across collection strategies and longevity assumptions.
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Tailor conversations to client situations

Never married

Focus on the tradeoff of smaller benefits earlier compared to larger benefits later.

Married

Pay attention to spousal and survivor benefits. Collection decisions should be made jointly.

Divorced

Divorcees who are not remarried may be eligible for spousal or survivor benefits from marriages that lasted at least 10 years.

Children

Children under the age of 18 or adult children who are disabled may be entitled to benefits.

Share Social Security resources with clients

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Client brochure

Help your clients understand the fundamentals to make the best decision for their circumstances
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Frequently asked questions

Clients often ask similar questions about benefits and acronyms. Use our frequently asked questions to provide the guidance and answers your clients need.
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Quick reference guide

Share this “cheat sheet” of the important rules and time frames to help your clients make more educated decisions around collecting benefits.
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Medicare quick reference

Help clients make confident healthcare decisions by outlining Medicare’s key enrollment periods, coverage options and important deadlines.

Supplement Social Security income

View BlackRock’s top income ideas to help your clients achieve their investment goals.
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