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.)
Copyright 2012 The National Memo