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Our powerful software will analyze your unique information and tell you how to leverage all the rules of Social Security to your full advantage. The software recommends the best claiming solution to maximize your benefits with only a few pieces of information you will need to provide to us. The result may be more money for you.
Your personal information is used to create your analysis only. We will never share it or sell it to any third party. We will always respect your privacy. REAP Financial Group, LLC is a registered investment advisory firm. All material presented herein is based on information provided by the recipient. It is believed to be reliable but we cannot attest to its accuracy. This information is not to be construed as an offer to sell or the solicitation of an offer to buy any securities. Any views expressed are provided for information purposes only and should not be construed in any way as an offer, an endorsement, or inducement to invest. Investment recommendations may change and readers are urged to check with their investment counselors before making any investment decisions as all investments involve risk.
In order to return a strategy for a divorcee you need to provide the Estimated Benefit Amount for yourself & your former spouse. Information about the your former spouse will not be provided by the Social Security Administration. You must be able to retrieve the information from either your former spouse or a Social Security Statement. If you are unable to obtain your former spouse's Estimated Benefit Amount, you may obtain it by going to the Social Security Administration with your divorce decree and marriage license and ask for your spousal benefit at full retirement age. Double that amount and you will have your former spouse's Estimated Benefit Amount. To run divorced scenario, the following conditions be met:
If your former spouse has not applied for benefits but is at least age 62 and eligible for benefits, the you may still be eligible for a divorced spouse benefit, as long as the divorce has been final for 2 full years prior to filing for benefits. You can receive divorced spouse benefits based on the earnings record of only one former spouse. If you have been divorced more than once, use the highest Estimated Benefit Amount of the former spouses.
Click HERE to visit the Social Security Administration website to create an account with my Social Security to download your Social Security Statement.
A Non-Covered pension is not common. This applies to some teachers, ministers & other federal employees. Teachers: If your school district opted out of Social Security, you have a non-covered pension. If you retire from a school district that does not participate in Social Security but you are eligible for benefits through your spouse, the Government Pension Offset (GPO) will reduce the amount of your spouse or survivor benefits by two-thirds the amount of your TRS Pension.
Click HERE for more information on the Government Pension Offset.
Complete earnings history if you paid into Social Security through other employment for at least 40 quarters. The vast majority of Texas school districts do not participate in Social Security, employees in those districts are entitled to Social Security Benefits only if you paid into the Social Security system through other employment for at least 40 quarters. Find your Earnings History on the 3rd page of your Social Security Statement.
Click HERE for more information on the Windfall Elimination Provision.