couple planning social security income protection

Social Security Income Protection

Social Security, also known as Old Age, Survivors, and Disability Insurance (OASDI) provides basic protection against the financial problems brought on by death, disability, and aging. Social Security extends coverage to virtually every American who is employed or self employed.

Choosing when to start receiving retirement benefits is one of the most important decisions when it comes to Social Security. If you choose to start receiving benefits when you reach your full retirement age, you’ll receive your full benefit amount. If you begin benefits before reaching full retirement, you’ll receive a reduced benefit amount. If you choose to delay receiving benefits beyond your full retirement age, you’ll receive an increased benefit.

Unfortunately, too many Americans have come to expect Social Security will fulfill all their financial needs. When you die…your spouse will only get to keep the larger of the two monthly SSI payments and the remaining smaller payment goes away. This could be the difference of losing up to 50% of your income when you need it the most.

Social Security augments but does not replace a sound personal insurance plan. You can enroll in a Social Security Income Protection plan to guarantee your spouse gets to keep both incomes for a certain amount of time after your death and vice versa. Protect yourself today by speaking with one of our ATIG agents!

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Peter Fournier

Pete specializes in life, health, medicare, annuities, retirement and group insurance. 

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