Social Security, Medicare and Long Term Care Planning


One of the most important decisions you need to make before you retire is when to claim Social Security benefits. About 40 percent of retirees apply for Social Security as soon as they become eligible at age 62.1 But by doing so, they may significantly and permanently reduce the benefits that they — and possibly their spouses — could receive over a lifetime.

Social Security provides not only a guaranteed income stream but also longevity protection, spousal protection, and even some inflation protection. It may be the closest thing you receive to a traditional pension.

Do you understand the various claiming strategies
that could enhance your income?

Whether you're single, married, divorced, or widowed, there may be ways to maximize the lifetime Social Security benefits you receive. It's important to have a good understanding of these issues:

  • How married couples can coordinate benefits to help enhance
    spousal and survivor benefits
  • Claiming a spousal benefit while earning delayed retirement credits
  • How the “file and suspend,” “do over,” and “start, stop, restart”
    strategies work
  • How working could affect your benefits, and the taxability of
    Social Security benefits
  • How to receive retroactive benefits as a lump sum
  • The effect of remarriage on survivor benefits for widowed and
    divorced spouse

Beyond these important Social Security decisions, you will want to help protect the money you've accumulated in tax-deferred retirement plans from unnecessary current taxes and withdrawal penalties. 

The Social Security decisions you and your spouse make when you are in your 60's will determine the amount of total income you will recieve over your lifetime-including the lifetime of the spouse who lived the longest. This course is designed to review the little-known rules that can help single individuals and married couples get more out of the Social Security system.  

Medicare has become complex and this portion of the course will explain how and when to sign up, the different types of plans available,how to navigate the multiple choices, and the costs associated with Medicare.

Long Term Care is a widely overlooked planning topic. This section of the course will educate you on the consequences of not having a plan, how to develop a plan to mitigate these consequences,and what will pay for the plan.

Now is the time start planning for your income and expenses in retirement. This course will help you develop your plan, manage your income, and provide protection against rising costs.

Sponsored or Hosted By:

Dickinson College


Social Security Courses Brought To You By:


Special Thanks To:

AIACPA for hosting two financial courses in CY 2017

Hampden Township Parks & Recreation for providing locations for the Mechanicsburg community.