3 Common Misconceptions of Social Security

1. Social Security benefits exist in a vacuum.  That's not quite correct.  You should consider  IRAs, pensions, taxes , etc.
2. People can get all the help they need from SSA personnel.  Social Security Administration personnel look at what benefits are available right now.  They do not do long-term planning.
3. Rules of thumb apply to most situations.  Spousal benefits can require careful consideration for those who are the lower wage earner and later draw the Survivor benefit (see Deciding on Social Security).