Professional Secrets on Social Security Retirement Strategies Secure Your Future

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BALTIMORE - Jan. 25, 2018 - PRLog -- Scott S.London's professional experience tackling Social Security claims and disputes earns his firm a strong reputation. London Disability's expertise helps those wondering how to best handle Social Security and retirement. Government shutdowns, changing laws and confusing language strike fear into the hearts of retiring Americans. Practicing with London Disability since 1996, London and his colleagues offer calm amid the storm.

The expertise and knowledge of this firm guide individuals through Social Security retirement strategies. They work to identify the best path for the individual. London Disability helps gather information needed to submit or appeal claims, relieves the stress of navigating the path to retirement alone and provides support in doing so.

As millions of Americans approach birthday number 66, questions and concerns regarding future security arise. According to Stephanie Genkin, a New York financial planner, "When you take benefits can significantly affect your overall retirement income." In fact, the longer retirees wait, the greater the benefits.

Individuals apply for Social Security retirement benefits as early as age 62. However, the monthly benefit amount reduces by 30 percent this early in the game. Waiting until age 70 raises the payment by 32 percent. So, when is the best time to start receiving benefits? Why do nearly half of all Americans claim benefits early? What are the risks of waiting until after age 66?

London Disability knows the answers.

Furthermore, how to claim benefits leaves many bewildered. While the Social Security website offers help, document gathering and language barriers add to the confusion. The Social Security office guarantees free counseling. However, the experience and knowledge of Social Security employees varies and impacts the quality of this counsel.

Plus, the benefits awarded may not appear to reflect the work an individual contributed. While a formula determines the monthly benefits of an individual, understanding the limiting factors becomes frustrating. What if the benefits awarded seem wrong? Do individuals get the opportunity to question or appeal a decision? How does an individual sort out the numbers?

London Disability knows the answers.

Often, retirement conjures images of leisure and travel. For some, toe tapping actually results. What happens when those receiving their Social Security retirement benefits return to work — out of boredom? Do they lose Social Security income? Can benefits continue after a time of suspension? At what rate do they continue? Are benefit credits still earned after age 66?

For some, the need to work continues well after retirement age. According to the Transamerica Center for Retirement Studies, 82 percent of workers over age 59 expect to work past age 65. Realizing a reduced standard of living after retirement and a concern of outliving investments and savings contribute to this percentage. How does this impact Social Security benefits?

London Disability knows the answers.

Knowing the additional fees and taxes associated with retirement proves useful information. Is Social Security benefit income taxed? How does income from other sources (i.e. IRAs, pensions and capital gains) combine with Social Security benefits? Does it matter if the claimant is married? Planning and timing reduce the Social Security benefit tax burden.

Additionally, the concern as to the future of Social Security benefits leaves many near-retirees nervous. Will the government cut benefits to shift funding elsewhere? How does inflation impact benefit amounts, before and after claiming them? What does a government shutdown do to benefits? The factors impacting individual benefit amounts seem overwhelming.

London Disability knows the answers.

The years of retirement average higher than in the past. Today, 25 percent of 65-year-olds live beyond age 90, according to the Social Security Administration. Ten percent see the other side of 95. Doing the math, these facts indicate that a retiree may need retirement savings and income to last 28 to 38 years. In reality, some do not work this long.

While financial guru, Suze Orman, recommends reducing the burden by retiring after age 70, 46 percent of retirees leave the workforce earlier than planned. Health problems and disability often explain this early retirement. Planning for financial security is vital for retiring Americans. Reducing their personal stress and the burden on family and government proves important.

London Disability helps navigate the decisions around Social Security retirement benefits, leaving the fear behind. Compassionate, experienced attorneys explain Social Security processes and the intricacies of the law. They help clients look at their entire situation to identify the best retirement strategies and determine the best plan of action.

Without support, the journey to retirement proves nerve-wracking and filled with potential pitfalls. Fortunately, qualified, professional help is available. The staff of London Disability advocates for clients by removing the burden of research and document gathering, form completion, and timeline and deadline management.

For more information, visit

Contact: London Disability

400 E. Pratt Street, Suite 510

Baltimore, Maryland 21202

Telephone: 877-978-3136



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Scott S. London
Tags:Social Security Disability, Disability, Law Firm
Location:Baltimore - Maryland - United States
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