{"id":376,"date":"2020-01-29T19:01:00","date_gmt":"2020-01-29T19:01:00","guid":{"rendered":"https:\/\/www.simplywise.com\/blog-2023\/?p=376"},"modified":"2023-06-22T20:30:53","modified_gmt":"2023-06-22T20:30:53","slug":"costly-social-security-mistakes","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/costly-social-security-mistakes\/","title":{"rendered":"New Study Reveals 4 Costly Social Security Mistakes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"376\" class=\"elementor elementor-376\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4992915 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4992915\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fecb512\" data-id=\"fecb512\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f27b1f elementor-widget elementor-widget-text-editor\" data-id=\"6f27b1f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>A new study by\u00a0<a href=\"https:\/\/www.simplywise.com\/\">SimplyWise<\/a>\u00a0asked a panel of 60 to 70 year old\u2019s about their knowledge of specific social security rules and identified the four misconceptions that were the most prevalent.<\/p><p>Social Security has a massive reach, with an estimated\u00a0<a href=\"https:\/\/www.ssa.gov\/news\/press\/factsheets\/basicfact-alt.pdf\">64 million Americans having received benefits in 2019<\/a>, according to the Social Security Administration. The impact is deep, with 61% of Americans age 60 to 70 viewing it as an \u201cextremely important\u201d source of income during retirement.<\/p><p>Despite the significant role it plays in Americans\u2019 lives, few have a true understanding of\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-retirement-benefits\/\">how Social Security works<\/a>\u00a0and how to get the most out of the program. The SimplyWise survey found that only one out of every eight people age 60 to 70 considered themselves \u201cvery knowledgeable.\u201d Moreover, some of the most common misunderstandings are likely hitting seniors\u2019 pockets in a big way.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8d14f67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d14f67\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f71d234\" data-id=\"f71d234\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bba813e elementor-widget elementor-widget-template\" data-id=\"bba813e\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/elementor\/css\/custom-pro-widget-call-to-action.min.css?ver=1764022918\">\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65f1d60 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65f1d60\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-247a2d2\" data-id=\"247a2d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e49f528 elementor-widget elementor-widget-text-editor\" data-id=\"e49f528\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Error 1: Collecting spousal benefits after divorce<\/h2><p>More than half (51%) of survey participants believe that divorced spouses could need consent from their ex in order to\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-social-security-spousal-benefits\/\">receive spousal benefits<\/a>. This is simply not true. Not only does the Social Security Administration not impose this special hurdle on divorcees,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-benefits-for-divorced-spouses\/\">the rules are generally more lenient in the case of divorce<\/a>, as long as the marriage lasted 10 years or more (if not, ex-spouses are not eligible). In fact, if the divorce is over two years old, divorced spouses can claim spousal benefits even if their ex has not yet started collecting Social Security; this right is not granted to married couples.<\/p><p>This mistake can cause not just headaches but tangible financial pain. People who do not file and instead pursue the consent of an ex-spouse could be missing out on important monthly income.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bfc7b80 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bfc7b80\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c370244\" data-id=\"c370244\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b149ff1 elementor-widget elementor-widget-image\" data-id=\"b149ff1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"866\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/consent-757x1024.png\" class=\"attachment-large size-large wp-image-379\" alt=\"collect spousal benefits consent\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/consent-757x1024.png 757w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/consent-222x300.png 222w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/consent-768x1038.png 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/consent-1136x1536.png 1136w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/consent-1515x2048.png 1515w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/consent.png 1898w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f242305 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f242305\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff1a626\" data-id=\"ff1a626\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-80017b1 elementor-widget elementor-widget-text-editor\" data-id=\"80017b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Error 2: Social Security survivor benefits for ex spouse<\/h2><p>The confusion over benefits for divorcees doesn\u2019t stop at spousal benefits. In the SimplyWise survey, 62% of respondents said that divorced spouses could not collect\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-social-security-and-death\/\">survivors benefits<\/a>. Exceptions to the rule do exist. For example, disabled people who remarry before turning 50 or non-disabled people who remarry before 60 cannot claim survivors benefits for their ex-spouse. But if divorced spouses meet normal eligibility rules (age, for example), they can collect survivors benefits.<\/p><p>This misunderstanding is potentially more costly than confusion over spousal benefits, since\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-social-security-and-death\/\">survivor benefits can pay up to 100%<\/a>\u00a0of the deceased\u2019s earned benefit.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-02f5aa5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"02f5aa5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b151fc\" data-id=\"4b151fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c2113f5 elementor-widget elementor-widget-image\" data-id=\"c2113f5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"873\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/60and-751x1024.jpeg\" class=\"attachment-large size-large wp-image-380\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/60and-751x1024.jpeg 751w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/60and-220x300.jpeg 220w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/60and-768x1047.jpeg 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/60and-1127x1536.jpeg 1127w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/60and-1502x2048.jpeg 1502w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/60and.jpeg 1878w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32836aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32836aa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4a53c12\" data-id=\"4a53c12\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b0849b3 elementor-widget elementor-widget-text-editor\" data-id=\"b0849b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Error 3: Claiming survivor benefits<\/h2><p>Survivor benefits claiming rules can also cause misunderstanding. A shocking 91% of survey participants did not know the earliest age that survivor benefits can be collected. The correct answer is 60, which differs from earned benefits and spousal benefit eligibility, which begins at 62.<\/p><p>Considering the emotional and financial burdens of the death of a spouse, missing out on Social Security income can be devastating. For those confusing the age requirements with earned or spousal benefits, the two years of forgone survivor benefits could cost somewhere from $36,000 to $81,000.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad57ced elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad57ced\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-63ecd17\" data-id=\"63ecd17\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36709ff elementor-widget elementor-widget-image\" data-id=\"36709ff\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"822\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/jaenwid-797x1024.jpeg\" class=\"attachment-large size-large wp-image-381\" alt=\"widow claim survivor benefits\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/jaenwid-797x1024.jpeg 797w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/jaenwid-234x300.jpeg 234w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/jaenwid-768x986.jpeg 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/jaenwid-1196x1536.jpeg 1196w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/jaenwid-1595x2048.jpeg 1595w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/jaenwid.jpeg 1878w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc6457a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc6457a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-680cc1c\" data-id=\"680cc1c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7368783 elementor-widget elementor-widget-text-editor\" data-id=\"7368783\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2>Error 4: Maximizing monthly Social Security payments<\/h2><p>For many Americans, the decision of when to claim Social Security is crucial. However, the new SimplyWise survey shows that many go into their decision making ill-informed, with only 42% understanding the age at which their monthly payments are maximized.<\/p><p>Today\u2019s seniors can start collecting Social Security retirement benefits at age 62, but the monthly amount they are entitled to increases for every month they don\u2019t claim until they reach 70. In the survey, 35% believed that waiting until full retirement age \u2013\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-benefits-by-age\/\">somewhere between 66 and 67 years old<\/a>\u00a0for those surveyed \u2013 would do the trick, while another 17% thought that the magic number was 72.<\/p><p>For someone with a long life expectancy, who would prefer higher monthly payments, claiming at full retirement age (FRA) instead of 70 could be costly:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-afa124b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"afa124b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-95104f7\" data-id=\"95104f7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8250a04 elementor-widget elementor-widget-image\" data-id=\"8250a04\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"395\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simply-wise-Income-Lost-vs-life-Expentancy-2-1024x632.jpeg\" class=\"attachment-large size-large wp-image-382\" alt=\"collecting life expectancy\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simply-wise-Income-Lost-vs-life-Expentancy-2-1024x632.jpeg 1024w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simply-wise-Income-Lost-vs-life-Expentancy-2-300x185.jpeg 300w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simply-wise-Income-Lost-vs-life-Expentancy-2-768x474.jpeg 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simply-wise-Income-Lost-vs-life-Expentancy-2-1536x948.jpeg 1536w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simply-wise-Income-Lost-vs-life-Expentancy-2.jpeg 1786w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-91e34ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"91e34ac\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60e13c4\" data-id=\"60e13c4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b4346ed elementor-widget elementor-widget-text-editor\" data-id=\"b4346ed\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Waiting until after 70 also has disadvantages, with the claimant simply losing out on two important years of retirement income. For a person entitled to a $3,000 monthly benefit, this would equate to $72,000!<\/p><h2>Education on Social Security is severely lacking<\/h2><p>Fundamentally, there is a dire need for people to become better informed about the benefits to which they are entitled. On the public side, the Social Security Administration website offers extensive material online,\u00a0<a href=\"https:\/\/blog.ssa.gov\/\">including a blog<\/a>, to help people sort through their blindspots. On the private side, some companies \u2013\u00a0SimplyWise, for example\u00a0\u2013 have emerged to fill in the gap, providing in-depth and current material as well as interactive resources like benefits calculators. Additionally, message boards like Reddit often have\u00a0<a href=\"https:\/\/www.reddit.com\/r\/SocialSecurity\/\">spaces where people can share stories<\/a>\u00a0and give each other advice.<\/p><p>Millions of Americans have worked to earn their retirement benefits. Unfortunately,\u00a0confusion is common, highlighted by misconceptions around spousal benefits, survivors benefits,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-child-benefits\/\">child benefits<\/a>,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/taxes-and-social-security\/\">taxes on Social Security<\/a>,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/work-and-maximize-ss-benefits\/\">maximizing Social Security while working<\/a>,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/maximize-ss-married-couple\/\">maximizing benefits as a married couple<\/a>,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/ssa-cost-of-living-adj\/\">cost of living increases<\/a>,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-application-process\/\">how to apply<\/a>\u00a0and more.<\/p><p>Hopefully, with better education around the topic, they can maximize what they\u2019ve deserved.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0fbc9a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0fbc9a2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fc200a6\" data-id=\"fc200a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5db27fb elementor-widget elementor-widget-template\" data-id=\"5db27fb\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A new study by&nbsp;SimplyWise&nbsp;asked a panel of 60 to 70 year old\u2019s about their knowledge of specific social security rules and identified the four misconceptions that were the most prevalent. Social Security has a massive reach, with an estimated&nbsp;64 million Americans having received benefits in 2019, according to the Social Security Administration. The impact is [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":377,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>New Study Reveals 4 Costly Social Security Mistakes - SimplyWise Cost Estimator<\/title>\n<meta name=\"description\" content=\"64 million people receive Social Security benefits each year, but few know how to maximize what they earn. Here are the mistakes costing people big money...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplywise.com\/blog\/costly-social-security-mistakes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New Study Reveals 4 Costly Social Security Mistakes - SimplyWise Cost Estimator\" \/>\n<meta property=\"og:description\" content=\"64 million people receive Social Security benefits each year, but few know how to maximize what they earn. Here are the mistakes costing people big money...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.simplywise.com\/blog\/costly-social-security-mistakes\/\" \/>\n<meta property=\"og:site_name\" content=\"SimplyWise Cost Estimator\" \/>\n<meta property=\"article:published_time\" content=\"2020-01-29T19:01:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-22T20:30:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/shutterstock_1113437423-8.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Allie Fleder\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Allie Fleder\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.simplywise.com\/blog\/costly-social-security-mistakes\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.simplywise.com\/blog\/costly-social-security-mistakes\/\"},\"author\":{\"name\":\"Allie Fleder\",\"@id\":\"https:\/\/www.simplywise.com\/blog\/#\/schema\/person\/e1e876d7736d540f0047b6adc84e2ba1\"},\"headline\":\"New Study Reveals 4 Costly Social Security Mistakes\",\"datePublished\":\"2020-01-29T19:01:00+00:00\",\"dateModified\":\"2023-06-22T20:30:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.simplywise.com\/blog\/costly-social-security-mistakes\/\"},\"wordCount\":818,\"publisher\":{\"@id\":\"https:\/\/www.simplywise.com\/blog\/#organization\"},\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.simplywise.com\/blog\/costly-social-security-mistakes\/\",\"url\":\"https:\/\/www.simplywise.com\/blog\/costly-social-security-mistakes\/\",\"name\":\"New Study Reveals 4 Costly Social Security Mistakes - SimplyWise Cost Estimator\",\"isPartOf\":{\"@id\":\"https:\/\/www.simplywise.com\/blog\/#website\"},\"datePublished\":\"2020-01-29T19:01:00+00:00\",\"dateModified\":\"2023-06-22T20:30:53+00:00\",\"description\":\"64 million people receive Social Security benefits each year, but few know how to maximize what they earn. 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