CHAPTER4

Qualifying and Calculating Your Benefits

In This Chapter

  • How you qualify for Social Security benefits
  • How retirement benefits are calculated
  • Special strategies for spouses to increase benefits
  • How disability benefits are calculated

As we’ve discussed, Social Security was originally created to help fund retirement, but over the years it has grown considerably to provide benefits for you and your family if you become disabled and can’t work, and for your family if you should die. However, before you or anyone else in your family can receive these benefits, you have to qualify for them.

Not everyone who reaches the age of 62 or becomes ...

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