Olde Hornet
Well-Known Member
Avoid these 4 traps when claiming Social Security
Millions of Americans plan to apply for Social Security or disability benefits, but there are a few things that could go wrong when applying.
www.usatoday.com
Here are themajor traps awaiting you:.
Customer service representatives are not advisers:
You might think that the Social Security Administration customer service representative you’re speaking with is going to help you determine the best filing strategy. Not so, says Heather Schreiber, founder of HLS Retirement Consulting.
The Social Security Policy Operations Manual System (POMS, for short) specifically states that customer service representatives may "provide enough information so that claimants can make informed decisions, but do not give advice."