Understand your future benefits, both for yourself and your family.

Longer lives mean more lifetime benefits

A financial adviser explains how a three-basket system guards against running out of money.

Q: I am 62 years old (born May 1953). My wife is 60 years old (born December 1955). Am I still eligible for the “file-and-suspend rule” if my wife is currently only 60 years old?...

Q: I will be 64 in October. My husband died in 2012. I am still employed and make about $48,000 a year. Can I start collecting my husband’s Social Security benefits before reaching the age...

The system is not going to zero.