Social Security is one of the most important retirement income decisions most families will ever make — yet many people claim benefits without fully understanding how timing, work income, spousal benefits, survivor benefits, and Medicare coordination may affect their long-term financial picture.

This educational presentation helps individuals and couples understand the key Social Security claiming rules before making a decision that may affect income for the rest of retirement. Attendees will learn how Full Retirement Age works, what happens when benefits are claimed early or delayed, how spousal and survivor benefits may apply, how working while collecting benefits can create surprises, and why Social Security timing should be viewed as a household decision — not just an individual choice.

The session is designed for adults approaching retirement, couples preparing for Social Security and Medicare decisions, widows and widowers, divorced individuals, public-sector retirees, self-employed professionals, and families who want greater clarity before making permanent retirement income decisions.

This program is for educational purposes only. It does not provide personalized financial, tax, legal, Social Security, Medicare, or investment advice. No specific insurance products, carriers, or plan recommendations will be discussed.