5 thoughts on “Forbes post, “Social Security Benefit Accruals Stop After 35 Years Of Work History. Is That Fair?”

  1. I read your article and I am amazed that an article coming from Forbes would not be better researched, and not misleading to the public. First, Social Security benefits being compared to a pension is not fair. SSA benefits were not meant to stand alone as retirement in full, but to SUPPLEMENT other retirements, such as 401k, pensions, etc. And, the computation of an individual’s SSA benefit does not stop after “35 years of work history” as you stated, the benefit uses a worker’s top 35 years of earnings in computing their benefit. So, if the worker’s 36th year of earnings is higher than any of their preceding 35…the new earnings would replace that lowest year of earnings to compute their new current benefit amount. And this replacement of highest earnings years continues until retirement. Once again, bottom line is that SSA benefits were never meant to be the sole retirement for individuals. I have given many retirement lectures/presentations on this and I get so frustrated when the questions I am asked come from articles which use language that can be misleading. Please be honest with your readers because retirement is life changing, and being informed correctly is very helpful. Respectfully…..

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