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Forbes: Ten Nasty Social Security Gotchas to Avoid

Ten Nasty Social Security Gotchas to Avoid

By Laurence Kotlikoff

Hidden deep within the 2,728 rules in Social Security’s Handbook and the thousands upon thousands of explanations of those rules contained in its Program Operating Manual System are a number of very nasty catch-22s.

Here is my list of Social Security’s worst gotchas. I want to be clear that the system, not the people in Social Security, is generating these gotchas. No one in Social Security is intentionally trying to get any of us to make the wrong decisions or end up with lower benefits than possible. But over the years, the rules governing benefit determination have become so convoluted and indecipherable that even the people working at the local Social Security offices routinely get things wrong.


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The opinions expressed are solely those of the author and do not necessarily reflect the views of Comcast.

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