"Every year, people leave tens of billions of dollars on the table in terms of money that they're entitled to, they could get if they made more informed claiming decisions about Social Security."Phil Moeller, co-author Get What's Yours: The Secrets to Maxing Out Your Social Security.
"Americans leave $10 billion in unclaimed spousal benefits on the table each year."
"Americans leave roughly $25 billion dollars in unclaimed Social Security benefits on the table each year."
https://nationalsocialsecurityassociation.com/find-an-advisor/ These advisors have been through the training provided by the National Social Security Association, a for-profit company which trains advisors to be knowledgeable about SS choices http://www.csscs.org/find-a-certified-strategist/ These advisors have been through the training from the Corporation for Social Security Claiming Strategies, a for-profit training company. http://www.designationcheck.com/advisor-search These advisors have completed the Retirement Income Certified Planner course given by the American College, a non-profit college primarily serving insurance professionals. https://consumer.socialsecuritytiming.com/Home/AdvisorSearch These are advisors who use Social Security Timing software for calculating the optimal SS choice.Online Services These services provide a plan on how to maximize your SS benefit either online, over the phone or combination of both.
http://www.bedrockcapital.com/ssanalyze/ https://www.silverwealth.co/ http://www.socialsecuritychoices.com/ https://premiersocialsecurityconsulting.com/our-services-maximum-social-security-benefits/
https://maximizemysocialsecurity.com/households http://www.socialsecuritysolutions.com/getyoursolution.php (also has an option to get help from an advisor)Some of the online software is free to use but please be cautious. My advice is to use the free tools and then pay for one of the online analyses (less than $50) or consult with a trained advisor. If you have 2 or 3 sources giving you the same advice, there's comfort in that. If you have started your SS benefits within the last 12 months and fear you may have made a mistake, you can change your choices. Get the correct choice using the resources above and refile with the SSA. Note that you will need to repay any benefits you have received. If you are beyond full retirement age (e.g. 66) and realize that you would have been better off waiting to claim benefits at an older age, you can suspend your benefits and restart later. It is not known how many people receive less than their fully entitled benefit. Make sure your friends read this post: share it on Facebook, Twitter and other social accounts.