I listened to a social security online workshop. any misinformation of my notes is the fault of the note taker.

• To be eligible need 40 quarters (4 quarters in a year) / 10 yrs. of work history
• Go to the website and claims your use name and password, avoids someone else doing it in your name.
• They tax your provisional income including income in addition to Social Security. If you are singe, have 34K you get harged on 85
• Eight % is added each year to tax income if you delay your Social Security from 62-70.
• You can apply on line (is best), on phone (hold times is terrible) call first in the morning (mg).
• Pension: Using single life insurance rather than joint life works half of the time.
• What is the likelihood we have on social security in the future? It is very high. There will be a point of ore money will be going out rather than coming in. social security may change.
• the social security age base of 137 you don’t get taxes on earnings above that. They pay tax on all income.
• delay when one can be eligible for social security i.e. 70.
• politicians do not want to jeopardize the votes of those needing Social Security.