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Thursday, June 21, 2018

Near the end of last year, around the holidays, I wrote a column that addressed what I called the 12 Myths of Social Security. It was supposed to be a takeoff on the “12 Days of Christmas” — get it?

Anyway, earlier this year, I wrote another column addressing what I said was an even bigger misconception about Social Security benefits (that I hadn’t included in the list of 12 Myths) — the fact that a person may not take reduced benefits on a spouse’s Social Security record and then later switch to full benefits on his or her own account. (But please note that this rule does not apply to widows and widowers.)