Maximizing Spousal Social Security Benefits

<50%: Benefits relative to spouse's PIA to qualify for additional Social Security payments

Are you a secondary earner? If so, and your Social Security benefits are less
than 50% of the primary earner’s insurance amount, you may be entitled to
receive spousal benefits in addition to your own benefits. However, if you
commence benefits prior to your full retirement age (FRA), all benefits, both
individual and spousal, will be reduced. This may have a significant impact on
both your spouse’s and your lifetime benefits, especially if you and your
spouse have long retirements.

Source: BlackRock

http://www2.blackrock.com/

Prepared by BlackRock

Delivered courtesy Joel W. Grams, CRPC®, CLTC,

Registered Representative, Financial Planner, 212 Capital Group

38 Main Street Suite 360, Westlake Ohio 44145

(440) 835-4501 Ext 17, jgrams@212capitalgroup.com

The foregoing discussion is general in nature and not intended as specific advice.
New England Financial nor its representatives are engaged in rendering tax,
accounting or legal advice. A qualified professional should be consulted regarding the effect of such considerations on the matters covered in this publication.

For information on New England Financial insurance or other financial products and services, please contact Joel W. Grams, CRPC®, CLTC, Registered  Representative, Financial Planner with /New England  Financial 38 Main Street Suite 360, Westlake, OH 44145, at (440) 835-4501 ext. 17, jgrams@212capitalgroup.com www.212capitalgroup.com    

New England Financial is the registered mark for New England Life Insurance Company (NELICO) Boston, MA 02116. Securities and investment advisory services offered through New England Securities, Corp. (NES)(member FINRA/SIPC) a Registered Investment Advisor. NELICO and NES are MetLife companies.

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