Are you claiming Social Security at the wrong time? Joe and Shaun sit down again with Medicare and Social Security guru Paula Webber of Webber Insurance — back by popular demand — to reveal the Social Security mistakes that cost retirees thousands and the strategies that maximize every dollar you've earned. If you're approaching 62, 67, or helping a loved one navigate retirement, this is the conversation you can't afford to miss.

In this episode, we cover:

• 🔑 Create your SSA.gov account NOW — why you need one at ANY age (even in your 30s) to track earnings and catch errors early
• 🎂 Full Retirement Age (FRA) explained — why 67 is the magic number if you were born after 1960, and what happens if you claim at 62 vs. delay to 70
• 💰 The $24,600 trap — how working while collecting benefits can force you to PAY BACK Social Security
• 💸 Yes, Social Security is taxed — the $24K (single) / $30K (married) threshold where 85% of your benefits become taxable, and how to handle withholding
• 💍 Spousal benefits — how to claim up to HALF your spouse's benefit and the 10-year marriage rule most people get wrong
• 🕊️ Widow's benefits — what happens to your check if your spouse passes, and why remarrying before 60 changes everything
• ♿ Social Security Disability (SSDI) — why it's based on projected earnings and why it's not as easy to get as you think
• 🏥 The Medicare Part B surprise — why your premium is automatically deducted from your Social Security check
• 📞 "Is that call really from Social Security?" — why legitimate calls now show up as spam and how to verify them
• 🧭 Be your own advocate — why Paula says to never rely on the government to tell you what you're owed.

Paula breaks down complex rules into plain English, shares real-world stories from clients, and stresses one thing above all: get professional advice — because one wrong decision at 62 can cost you for the next 30 years.

👍 If this episode helped you, hit LIKE and SUBSCRIBE for more conversations that matter — from hair and beauty to health, retirement, and life after 40.

💬 When are YOU planning to claim Social Security — at 62, 67, or 70? Drop it in the comments and tell us why!

📧 Connect with Paula & David Webber — Webber Insurance:
http://webberinsurancellc.com


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This podcast is for educational purposes only and is not a substitute for professional financial advice. Always consult your own financial expert.

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