The Retirement and IRA Show Social Security,Estate Planning PSA, Annuity Payments: Q&A #2546
Nov 15, 2025
Listeners explore important topics around Social Security benefits, including the best time to apply for delayed credits and the implications of the earnings test before full retirement age. A helpful PSA suggests organizing estate planning for ease of access by trusted individuals. Concerns about healthcare and support for non-planner spouses are addressed too. Plus, an intriguing discussion arises over a listener's challenge with direct deposit for an IRA annuity when faced with naming discrepancies in a trust-titled account.
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Elk Hunt Came Up Empty This Year
- Jim recounts his recent elk hunting trip and explains he didn't bag an elk this year.
- He plans future hunts in Utah and New Mexico and already paid a deposit for next year's trip.
Benefit Payment Days Vary By Birth Date
- Social Security benefit payment days depend on your birth date and are processed in weekly batches.
- Birthdays 1–10 get the second Wednesday, 11–20 the third, and after 20 the fourth Wednesday each month.
Work Until FRA To Avoid Earnings Test
- If you work until full retirement age, the earnings test no longer applies starting that month.
- You cannot retroactively claim benefits before your full retirement age; six-month backdating only applies after FRA.