According to the Center for Retirement Research at Boston College: http://squaredawayblog.bc.edu/squared-away/misconceptions-about-social-security/ There are 567 ways for a married couple to file for Social Security benefits. Social Security is the most important source of retirement income for most workers. Yet too many older Americans lack a basic understanding of certain aspects of Social Security benefits. The U.S. Social Security Administration calculates pensions using a formula based on the average of a worker’s 35 highest years of earnings. This information is important, because each additional year of work could substitute current earnings for an early year of low earnings – or even zero earnings prior to the worker’s entry into the labor force.

According to www.ssa.gov the average retirement benefit is $1285 per month. Growing at 2% for 20 years, that’s a cumulative benefit of over $493,000.00 or almost $1,000,000.00 for a couple

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