Restricted Spousal Benefits, Survivor Benefits, Laid-Off Effects: Q&A #1943

November 9, 2019

Restricted Spousal Benefits, Survivor Benefits, Laid-Off Effects: Q&A #1943

While Jim is out elk hunting, Chris flies solo answering topics about restricted spousal benefits, survivor benefits, and laid-off effects on Social Security.

(4:10) A fellow Coloradoan asks questions about benefit amounts after filing for restricted spousal benefits.

(9:55) An Oklahoma listener wants to confirm information about survivor benefits.

(13:40) A Georgia listener would like to clarify the meaning of “income” in regards to the Earnings Test.

(18:00) A North Carolinian asks if her survivor benefit will be reduced if she starts withdrawing at a certain age.

(23:05) A listener from Kansas wants clarity on the timing and mechanics of the Earnings Test.

(27:15) A Californian would like to know how being laid off will affect Social Security benefits.


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Jim Saulnier and Associates | 970-530-0556 | 506 East Mulberry Street, Fort Collins, Colorado 80524

Ed Slott Advisor recognition requires an advisor to be well versed on the rules and regulations regarding IRAs. The advisor must attend two live training sessions and pass two written exams annually to remain in the program. Jim Saulnier & Associates, LLC (“RIA Firm”) is a registered investment adviser located in Fort Collins, CO. Jim Saulnier & Associates, LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Current registered states: CA, CO, PA, TX, WA, IL Insurance products and services are offered and sold through James H. Saulnier, a Colorado licensed insurance producer, only in those states in which he is reciprocally licensed or qualifies for an exemption or exclusion from licensing requirements. Current reciprocal insurance licensing in these states: AZ, CA, CA, CN, FL, HI, IA, MA, MD, NY, PA, SC, TN, TX, VA, WA, WI, WY Click here for a more detailed disclosure.